# Karta Card vs. Kem Card: fees, limits & KYC

- Karta Card has the lowest foreign currency fee (1 % above the network rate).
- Fewest documents: Karta Card (ID document).
- Karta Card has the best score (68.27).

## Basics

|  | Karta Card | Kem Card |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | virtual, physical, metal | virtual, physical |
| Card network | Visa | Visa |
| **Custody** | self-custody | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| Issuer / BIN sponsor | Third National | Third National |
| Limits depend on | not published | not published |
| Cards per account | not published | unknown |

## Availability

|  | Karta Card | Kem Card |
| --- | --- | --- |
| Available in | Not available in 21 countries and regions | unknown |

## Crypto

|  | Karta Card | Kem Card |
| --- | --- | --- |
| **Supported assets** | USDT, USDC | USDT |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism | Ethereum, Polygon, Arbitrum, Optimism |
| Fiat top-up | Yes | Yes |

## Payments

|  | Karta Card | Kem Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Apple Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Karta Card | Kem Card |
| --- | --- | --- |
| **Virtual card issuance** | 30.00 USDT | 0.00 USD |
| Physical card issuance | unknown | 0.00 USD |
| Free cards | unknown | unknown |
| Shipping | unknown | not published |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | unknown | 0.00 USD |
| Top-up fee | unknown | not published |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | 0 % above the market rate | unknown |
| **Foreign currency fee** | 1 % above the network rate | 3 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 2.5 % + 1.00 USDT | only in the app |
| **Transaction fee** | 1.5 % | 1 % |
| 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 | not published |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | The account remains active after a long period without use; no inactivity period is specified. |
| Card replacement | unknown | not published |

## Rewards

|  | Karta Card | Kem Card |
| --- | --- | --- |
| **Cashback** | 25 % (spend from 0/month) · in KARAT | 2–5 % |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | 5 USD | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Karta Card | Kem Card |
| --- | --- | --- |
| Limits (entry level) | no limits captured | no limits captured |

- [Karta Card](https://cryptocardss.com/en/karta-card.md)
- [Kem Card](https://cryptocardss.com/en/kem-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/karta-card-vs-kem-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/karta-card-vs-kem-card/