# Agora Card vs. Kem Card: fees, limits & KYC

- Agora Card has the lowest foreign currency fee (1.5 %).
- Fewest documents: Agora Card (No ID).
- Agora Card has the best score (61.53).

## Basics

|  | Agora Card | Kem Card |
| --- | --- | --- |
| Card form | unknown | debit |
| Card types | virtual, physical | virtual, physical |
| **Card network** | not published | Visa |
| Custody | custodial | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| Card currencies | USD | USD |
| Usage | unknown | personal |
| **Issuer / BIN sponsor** | not published | Third National |
| **Limits depend on** | plan | not published |
| Cards per account | unknown | unknown |

## Availability

|  | Agora Card | Kem Card |
| --- | --- | --- |
| Available in | Not available in 24 countries and regions | unknown |

## Crypto

|  | Agora Card | Kem Card |
| --- | --- | --- |
| **Supported assets** | USDT, USDC | USDT |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | Ethereum, Polygon, Arbitrum, Optimism |
| Fiat top-up | unknown | Yes |

## Payments

|  | Agora Card | Kem Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Apple Pay |
| ATM withdrawals | unknown | Yes |
| Contactless | unknown | Yes |

## Fees

|  | Agora Card | Kem Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 0.00 USD |
| Physical card issuance | unknown | 0.00 USD |
| Free cards | unknown | unknown |
| Shipping | unknown | not published |
| Monthly fee | unknown | 0.00 USD |
| Annual fee | unknown | 0.00 USD |
| Top-up fee | unknown | not published |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| **Foreign currency fee** | 1.5 % | 3 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | only in the app |
| Transaction fee | unknown | 1 % |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | not published |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | The account remains active after a long period without use; no inactivity period is specified. |
| Card replacement | unknown | not published |

## Rewards

|  | Agora Card | Kem Card |
| --- | --- | --- |
| Cashback | unknown | 2–5 % |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Agora Card | Kem Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day (physical card) 240,000 USD · Spending per month (physical card) 900,000 USD · ATM per day (physical card) 1,500 USD | no limits captured |

- [Agora Card](https://cryptocardss.com/en/agora-card.md)
- [Kem Card](https://cryptocardss.com/en/kem-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/agora-card-vs-kem-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/agora-card-vs-kem-card/