# Halocard vs. Odix Pay Card: fees, limits & KYC

- Odix Pay Card has the best score (7.0).

Entry variant: Halocard: Essential+ · Odix Pay Card: Odix White.

## Basics

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| **Card form** | credit | prepaid |
| **Card types** | virtual, physical | physical |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| **Card currencies** | USD | HKD, USD |
| **Usage** | personal, business | personal |
| **Issuer / BIN sponsor** | Third National | Reap Technologies Limited |
| **Limits depend on** | user setting | plan |
| Cards per account | unknown | unknown |

## Availability

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDT, USDC, SOL | USDT, USDC |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | BNB Smart Chain, Solana, Arbitrum, Base, Optimism | Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Optimism, Avalanche, TON |
| Fiat top-up | Yes | Yes |

## Payments

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| Virtual card issuance | not published | unknown |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee | 15.00 USD/month or 180.00 USD/year | unknown |
| Annual fee | 15.00 USD/month or 180.00 USD/year | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | only in the app |
| Foreign currency fee | 1.5 % + 0.30 USD | unknown |
| FX free allowance | not applicable | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | 1.5 % + 1.00 USD | unknown |
| Transaction fee | 0 % + 0.00 USD | unknown |
| Cross-border fee | 0 % | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | not published | unknown |
| Account closure fee | not published | not published |
| **Dispute fee** | 30.00 USD (First disputed transaction request every 12 months is free; fee is levied by Visa) | not published |
| Minimum top-up | 30.00 USD | unknown |
| Declined payment fee | 0.00 USD | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | not published | unknown |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | Halocard may suspend or terminate an account after an extended period of inactivity; the terms do not define the length of that period. | If the account is not used for a long period, Odix Pay may contact the user and, where permitted by applicable law, restrict the account until the user confirms their details. |
| Card replacement | not published | unknown |

## Rewards

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | up to 300 USD | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Halocard | Odix Pay Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 1,000,000 USD · ATM per transaction 250 USD · ATM per 24 hours (number) 3× | Spending per day 200,000 USD · Top-up per day only in the app |

- [Halocard](https://cryptocardss.com/en/halocard.md)
- [Odix Pay Card](https://cryptocardss.com/en/odix-pay-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/halocard-vs-odix-pay-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/halocard-vs-odix-pay-card/