Comparison
Karma Card vs. THORWallet 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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thorwallet.org29 Oct 2026
Image source
Source
thorwallet.org
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
THORWallet CardTHORWallet
In short
- THORWallet Card has the higher score (66.41).
| Attribute |
Karma CardKarma
Requires KYC
Private
|
THORWallet CardTHORWallet
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | average | good |
| CostsWeight 25 % | 67 | 100 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 53 | 70 |
| AvailabilityWeight 10 % | not scored | 84 |
| RewardsWeight 10 % | not scored | 22 |
| TrustWeight 10 % | 70 | 83 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs) |
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? |
unknown |
| Card types (differs) | unknown |
virtual, physical
thorwallet.org checked 29 Oct 2026
Source and check
Source
thorwallet.org
Wording at the source
20% off with invite Card typePhysical + VirtualChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
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? |
Mastercard
thorwallet.org checked 29 Oct 2026
Source and check
Source
thorwallet.org
Wording at the source
Yes. It's a Mastercard issued under licence and accepted anywhere Mastercard is, online and in store. Mastercard is a registered trademark of Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
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
thorwallet.org checked 29 Oct 2026
Source and check
Source
thorwallet.org
Wording at the source
Yes. Your wallet balance stays in self-custody - your keys never leave your device. You top up the card from your wallet when you want to spend, so you stay in control of your funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
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
faqs.thorwallet.org checked 29 Oct 2026
Source and check
Source
faqs.thorwallet.org
Wording at the source
Users can top up the card with USDC.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
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? |
USD
thorwallet.org checked 29 Oct 2026
Source and check
Source
thorwallet.org
Wording at the source
CurrenciesUSDChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Usage (differs) |
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
thorwallet.org checked 29 Oct 2026
Source and check
Source
thorwallet.org
Wording at the source
The Service is made available to both individual and business users.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
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 on (differs) | unknown |
KYC level, plan
faqs.thorwallet.org checked 29 Oct 2026
Source and check
Source
faqs.thorwallet.org
Wording at the source
THORWallet offers different card plans with different benefits, limits, and fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets |
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? |
USDC
faqs.thorwallet.org checked 29 Oct 2026
Source and check
Source
faqs.thorwallet.org
Wording at the source
The THORWallet Card allows users to spend with a virtual or physical Mastercard, top up with USDC, and use their card globally across supported countries.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | unknown | unknown |
| Payments | ||
| Mobile wallets (differs) |
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 withdrawals |
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? |
Yes
thorwallet.org checked 29 Oct 2026
Source and check
Source
thorwallet.org
Wording at the source
ATM withdrawals cost $1 (domestic) or $5 (international) on Basic and PremiumChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless | unknown | unknown |
| Fees | ||
| Virtual card issuance | unknown | unknown |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee | unknown | unknown |
| Annual fee | unknown | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee (differs) |
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? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | 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? |
unknown |
| 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 | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback (differs) | unknown | 0.5 % (Premium); 0.5 % (Premium); 0.5 % (TITN) · in USDC |
| Referral bonus (invited friend) | unknown | 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? |
unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Karma Card · THORWallet Card: promotions and bonuses as well as warnings and incidents.