Comparison
Karma Card vs. Prive Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Karma CardKarma
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Prive CardPrive
In short
- Karma Card has the best score (53.63).
| Attribute |
Karma CardKarma
|
Prive CardPrive
|
|---|---|---|
| Overview | Requires KYC Private | Requires KYC Private & business Virtual Physical Metal |
| Score | average | weak |
| CostsWeight 25 % | 67 | 0 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 53 | 70 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 70 | 77 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs)same for all |
credit
karmapay.xyz checked 29 Oct 2026
Source and check
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? |
prepaid
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
4.4 Top-Ups and Funding You are responsible for ensuring sufficient funds are available for your Prive Card through our designated top-up methods. We may establish minimum and maximum funding amounts.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame for all | unknown |
virtual, physical, metal
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
Premium metal and virtual cards built for everyday travel and lifestyle. Spend your stablecoins using a Prive cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card networksame for all |
Visa
karmapay.xyz checked 29 Oct 2026
Source and check
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? |
Visa
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Visa Platinum is a premium card linked to your Prive wallet. It is accepted at over 130 million locations worldwide and supports both virtual and physical form factors.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
karmapay.xyz checked 29 Oct 2026
Source and check
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? |
self-custody
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
Prive works with regulated partners to hold fiat balances. Stablecoin wallets are self-custodial — your keys, your funds. We apply rigorous compliance and security standards across all products.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
karmapay.xyz checked 29 Oct 2026
Source and check
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? |
stablecoin balance
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
You can top up instantly from your Prive wallet balance directly within the app. Top-ups reflect on the card in real time.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
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? |
unknown |
| Usage (differs)same for all |
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? |
personal, business
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
2.2 Our Services are available to individuals and businesses seeking access to premium payment infrastructure and curated lifestyle solutions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
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? |
unknown |
| Limits depend onsame for all | unknown |
KYC level
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
Prive offers significantly higher transaction limits than standard cards. Specific limits depend on your verification tier. See the card fees page for details.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown | unknown |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
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? |
USDT, USDC, PYUSD, EURC
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
You can hold USDC, USDT, EURC, and PYUSD and add cash in GBP, USD, EUR, NGN, KES, MXN, and BRL via FPS, ACH, SEPA... Off-ramps are available to local bank accounts in 80+ countries, including USD, GBP...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all | unknown | unknown |
| Fiat top-upsame for all | unknown | unknown |
| Unknown for all | Number of supported assets · Top-up networks · Fiat top-up | |
| Payments | ||
| Mobile walletssame for all |
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? |
unknown |
| ATM withdrawalssame for all |
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? |
unknown |
| Contactlesssame for all | unknown | unknown |
| Unknown for all | Contactless | |
| Fees | ||
| Virtual card issuancesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown | unknown |
| Monthly feesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual feesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs)same for all |
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? |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
only in the app
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
The Prive Fee Disclosure has not been published yet. Current fees are shown in-app at the time of every transaction and itemised on your receipt. For questions, contact [email protected].Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
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? |
unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown | unknown |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Shipping · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | unknown |
| Referral bonus (invited friend)same for all | unknown |
Standard:
Reduced card top-up fees, with the reduction determined by the referrer's chosen commission split.
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
For Your Referral - Reduced fees on card top-ups - Bonus points upon first card top-up - Full access to the Prive platform and card - Ability to refer others and earn as wellChecked Verified Value wrong? No earlier versions What does [s] mean? 1 more country/regionUnited Kingdom: not applicable prive.money checked 29 Oct 2026 Source and check Source prive.money Wording at the sourceFor UK users, Prive hides: - — The "Refer & Earn" entry point in Settings. - — Invite-code entry on the welcome / onboarding screens. - — Referral discounts on card top-ups and swap fees. - — Any...Checked Verified Add this value? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs)same for all |
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? |
Standard:
Recurring commission on every qualifying card top-up made by the referral; the member controls the commission split.
prive.money checked 29 Oct 2026
Source and check
Source
prive.money
Wording at the source
How long does the referral commission last? 12 months from the date your referral signs up. After that period, the full service fee reverts to Prive. When are earnings credited? Instantly. Commissi...Checked Verified Value wrong? No earlier versions What does [s] mean? 1 more country/regionUnited Kingdom: not applicable prive.money checked 29 Oct 2026 Source and check Source prive.money Wording at the sourceFor UK users, Prive hides: - — The "Refer & Earn" entry point in Settings. - — Invite-code entry on the welcome / onboarding screens. - — Referral discounts on card top-ups and swap fees. - — Any...Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Cashback · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Karma Card · Prive Card: promotions and bonuses as well as warnings and incidents.