Comparison
Cypher Card vs. Karma Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cypher CardCypher
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Karma CardKarma
In short
- Karma Card has the lowest foreign currency fee (1 %).
- Cypher Card has the higher score (58.48).
| Attribute |
Cypher CardCypher
Requires KYC
Private
Virtual
Physical
Metal
|
Karma CardKarma
Requires KYC
Private
|
|---|---|---|
| Score | average with variant Premium (discontinued): 58.28 | average |
| CostsWeight 25 % | 68 | 67 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 76 | 53 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 81 | 70 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
credit
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
# CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDITChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
credit
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
Cards are issued either by the issuer identified on the back of the Karma Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you (in each case, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical, metal
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card network |
Visa
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
self-custody
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
4. Your Karma wallet is non-custodial. You alone hold and control your assets, and balances are not pooled or commingled with Karma funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
- Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet....Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
Trade across chains, spend with a crypto card, and receive euros, dollars, and pounds. Self-custodial, one stablecoin balance.Self-custodial, settled to one stablecoin balance.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- You will use the Cypher Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
You will use the Karma Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor |
Third National
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
- "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Third National
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
plan
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
ETH, USDC, SOL
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USDC
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Eligible Ethereum USDC balances now appear alongside other Cash balances when topping up a Karma card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. HyperliquidChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-up (differs) |
No
cypherhq.io checked 29 Oct 2026
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Source
cypherhq.io
Wording at the source
No, it's not possible to fund the card with fiat.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Apple Wallet support — add your Karma card to Apple Wallet for tap-to-payChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Implemented an updated fee collection mechanism for Karma card transactions, covering pass-through costs and service fees. Fees are automatically calculated and collected alongside each transaction wi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless (differs) |
Yes
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Virtual card✅ Free ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuance | unknown | |
| Free cards | unknown | |
| Shipping | unknown | |
| Monthly fee | unknown | |
| Annual fee |
199.00 USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Premium$199 billed annuallyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
1.75 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.75 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1 %
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
FX fee: 1% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
3 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Transaction fee (differs) |
0.5 %
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Karma service fee: 0.5% per transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback | unknown | |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) (differs) |
not published
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Referrals — invite friends with your own custom invite code.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Cypher Card · Karma Card: promotions and bonuses as well as warnings and incidents.