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Comparison

BitPay Card vs. Oppi Wallet Card: fees, limits & KYC

In short

  • Oppi Wallet Card has the lowest foreign currency fee (2–2.5 %).
  • Fewest documents: Oppi Wallet Card (No ID).
  • Oppi Wallet Card has the best score (6.4).
Show

differs best value same for all

Attribute Illustration: BitPay Card BitPay CardBitPay Illustration: Virtual Card Oppi Wallet CardOppi Wallet
Overview Requires KYC Private Virtual Physical KYC free (limited) Private & business Virtual Physical
Score average average
CostsWeight 25 % 4.8 7.7
TrustWeight 20 % 6.9 5.8
KYC and privacyWeight 15 % 6.5 10.0
FeaturesWeight 15 % 8.1 7.5
AvailabilityWeight 10 % 2.4 not scored
RewardsWeight 10 % not scored 0.0
CommunityWeight 5 % 3.1 5.2
KYC KYC: ID document KYC: No ID, ID + proof of address for higher volumes
Limits (entry level)
  • Top-up per transaction: 10,000 USD
  • Top-up per day: 10,000 USD
  • Spending per day: 10,000 USD
+5
no limits captured
Basics
Card formsame for all prepaid bitpay.com checked 29 Oct 2026
prepaid oppiwallet.com checked 30 Oct 2026
Card typessame for all virtual, physical bitpay.com checked 29 Oct 2026
virtual, physical oppiwallet.com checked 30 Oct 2026
Card networksame for all Mastercard bitpay.com checked 29 Oct 2026
Mastercard oppiwallet.com checked 30 Oct 2026
Custodysame for all self-custody bitpay.com checked 31 Oct 2026
self-custody oppiwallet.com checked 30 Oct 2026
Funding modelsame for all fiat balance bitpay.com checked 29 Oct 2026
fiat balance oppiwallet.com checked 30 Oct 2026
Card currenciessame for all USD bitpay.com checked 29 Oct 2026
USD oppiwallet.com checked 30 Oct 2026
Usage (differs) personal bitpay.com checked 29 Oct 2026
personal, business oppiwallet.com checked 30 Oct 2026
Issuer / BIN sponsor Metropolitan Commercial Bank bitpay.com checked 29 Oct 2026
unknown
Limits depend on unknown
KYC level oppiwallet.com checked 30 Oct 2026
Cards per account 1 bitpay.com checked 29 Oct 2026
unknown
Availability
Available in unknown
not published oppiwallet.com checked 30 Oct 2026
Crypto
Supported assets (differs) BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP bitpay.com checked 29 Oct 2026
+ 3 more BTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC
BTC, ETH, USDT, USDC oppiwallet.com checked 30 Oct 2026
Number of supported assets unknown
40 oppiwallet.com checked 30 Oct 2026
Top-up networks (differs) Polygon bitpay.com checked 30 Oct 2026
Ethereum, Tron, BNB Smart Chain, Solana, Polygon oppiwallet.com checked 30 Oct 2026
Fiat top-up (differs) Yes bitpay.com checked 30 Oct 2026
No oppiwallet.com checked 30 Oct 2026
Payments
Mobile wallets (differs) Apple Pay bitpay.com checked 29 Oct 2026
Apple Pay Google Pay oppiwallet.com checked 30 Oct 2026
ATM withdrawalssame for all Yes bitpay.com checked 29 Oct 2026
Yes oppiwallet.com checked 30 Oct 2026
Contactlesssame for all Yes bitpay.com checked 29 Oct 2026
Yes oppiwallet.com checked 30 Oct 2026
Fees
Virtual card issuance (differs) 0.00 USD bitpay.com checked 29 Oct 2026
5.00 USD oppiwallet.com checked 30 Oct 2026
Physical card issuance 0.00 USD bitpay.com checked 30 Oct 2026
unknown
Free cards unknown
unknown
Shipping (differs) not published bitpay.com checked 30 Oct 2026
free oppiwallet.com checked 30 Oct 2026
Monthly feesame for all 0.00 USD bitpay.com checked 29 Oct 2026
0.00 USD oppiwallet.com checked 30 Oct 2026
Annual fee (differs) not published bitpay.com checked 30 Oct 2026
0.00 USD oppiwallet.com checked 30 Oct 2026
Top-up fee free bitpay.com checked 29 Oct 2026
unknown
Crypto deposit fee unknown
unknown
Crypto conversion fee not published bitpay.com checked 30 Oct 2026
unknown
Foreign currency fee (differs) 3 % bitpay.com checked 29 Oct 2026
2–2.5 % oppiwallet.com checked 30 Oct 2026
FX free allowance unknown
unknown
Minimum FX fee unknown
unknown
ATM fee unknown
unknown
Transaction fee free bitpay.com checked 29 Oct 2026
unknown
Cross-border fee unknown
unknown
Withdrawal fee unknown
unknown
Activation fee (differs) 0.00 USD bitpay.com checked 29 Oct 2026
10.00 USD oppiwallet.com checked 30 Oct 2026
Account closure fee (differs) 0.00 USD bitpay.com checked 31 Oct 2026
not published oppiwallet.com checked 31 Oct 2026
Dispute feesame for all not published bitpay.com checked 31 Oct 2026
not published oppiwallet.com checked 31 Oct 2026
Minimum top-upsame for all not published bitpay.com checked 30 Oct 2026
not published oppiwallet.com checked 30 Oct 2026
Declined payment fee 0.00 USD bitpay.com checked 29 Oct 2026
unknown
Refund fee unknown
unknown
Inactivity fee 5.00 USD bitpay.com checked 29 Oct 2026
unknown
Minimum monthly spend unknown
unknown
Inactivity rule Dormancy fee assessed each month after 90 days of no transaction. bitpay.com checked 29 Oct 2026
unknown
Card replacement unknown
unknown
Unknown for allFree cards · Crypto deposit fee · FX free allowance · Minimum FX fee · ATM fee · Cross-border fee · Withdrawal fee · Refund fee · Minimum monthly spend · Card replacement
Rewards
Cashback (differs) only in the app bitpay.com checked 29 Oct 2026
not applicable oppiwallet.com checked 30 Oct 2026
Referral bonus (invited friend) only in the app bitpay.com checked 30 Oct 2026
unknown
Referral bonus (you) (differs) only in the app bitpay.com checked 30 Oct 2026
not published oppiwallet.com checked 30 Oct 2026
Welcome bonus unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

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