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Comparison

Karta Card vs. Kem Card compared

  • Karta Card Image source Source karta.io Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Karta CardKarta.io
  • Illustration: Kem Card Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Kem CardKem

In short

  • Karta Card has the lowest foreign currency fee (1 % above the network rate).
  • Karta Card ask for the least (ID document).
  • Karta Card has the higher score (71.41).
Attribute Karta Card Karta CardKarta.io Requires KYC Private Virtual Physical Metal Illustration: Kem Card Kem CardKem Requires KYC Private Virtual Physical
Score good average
CostsWeight 25 % 80 57
KYC and privacyWeight 20 % 35 0
FeaturesWeight 15 % 89 75
AvailabilityWeight 10 % 79 97
RewardsWeight 10 % 100 65
TrustWeight 10 % 81 77
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: Full verification
Limits (entry level) no limits captured no limits captured
Basics
Card form debit Two sources, two values Showndebit karta.iochecked 29 Oct 2026 - Debit card (Visa Signature) accepted at 150 million merchants Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? debit Source and check Source kemapp.io Wording at the source The Kem Card is a Visa-network debit card connected to your Kem app wallet. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types (differs) virtual, physical, metal Source and check Source karta.io Wording at the source Step 4: Consider upgrading to Karta's physical metal card (from 100 USDT) if you prefer having a physical card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? virtual, physical Source and check Source kemapp.io Wording at the source The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network Visa Source and check Source karta.io Wording at the source Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Visa Source and check Source kemapp.io Wording at the source The Kem Card is a Visa-network debit card connected to your Kem app wallet. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody (differs) self-custody Source and check Source karta.io Wording at the source Only you control your wallet. Secure by design — send, receive, and manage your crypto. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? custodial Source and check Source kemapp.io Wording at the source Client digital assets may be held: • in segregated blockchain wallet addresses; or • through regulated or approved third-party custodial service providers. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model stablecoin balance Two sources, two values Shownstablecoin balance karta.iochecked 29 Oct 2026 a Visa card funded from your stablecoin balance. Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? stablecoin balance Source and check Source kemapp.io Wording at the source It draws from your USDT balance and lets you spend at any Visa-accepting merchant — online, in-store, or while traveling — across more than 150 countries. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies USD Source and check Source legal.karta.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 Source and check Source kemapp.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?
Usage personal Source and check Source legal.karta.io Wording at the source The primary purpose of your Account is for personal expenses. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal Source and check Source kemapp.io Wording at the source The primary purpose of your Account is for personal expenses. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor Third National Source and check Source legal.karta.io Wording at the source "Karta Finance Inc" 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 Source and check Source kemapp.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?
Limits depend on unknown unknown
Cards per account unknown unknown
Availability
Available in (differs) Not available in 21 countries and regions Source and check Source legal.karta.io Wording at the source Karta Accounts are not available in the following jurisdictions: - Bangladesh - Belarus - Brazil - Cuba - Democratic People's Republic of Korea - Egypt - Iran - Iraq - India - Israel - Myanmar - Chin... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Crypto
Supported assets (differs) USDT, USDC Source and check Source karta.io Wording at the source Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USDT Source and check Source kemapp.io Wording at the source The Kem Card is funded by USDT (Tether). You can also hold USD, gold, and crypto in the Kem app, all convertible to USDT for spending. 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 (differs) Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism Source and check Source karta.io Wording at the source Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Ethereum, Polygon, Arbitrum, Optimism Source and check Source kemapp.io Wording at the source "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of the Issu... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up Yes Source and check Source karta.io Wording at the source Fiat transfers: ACH (USD), SWIFT (USD), Domestic Wire (USD), SEPA (EUR), PIX (BRL), Bank Transfer (COP), and SPEI (MXN). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source kemapp.io Wording at the source Kem supports Apple Pay, Debit and Credit card, your wallet balance, and deposits from external crypto wallets. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs) Apple Pay Google Pay Source and check Source karta.io Wording at the source Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Apple Pay Source and check Source kemapp.io Wording at the source The Kem Card is accepted at all merchants that accept Apple Pay in physical stores, and the card number works on any e-commerce or digital purchase. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals Yes Source and check Source karta.io Wording at the source Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source kemapp.io Wording at the source - Physical card — available for in-store, ATM, and tap-to-pay use Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless Yes Source and check Source karta.io Wording at the source For in-store contactless payments, add your Karta virtual card to your mobile wallet: Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source kemapp.io Wording at the source - Physical card — available for in-store, ATM, and tap-to-pay use Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs) 5.00 USDT Source and check Source karta.io Wording at the source Signing up is free, and you can get started right away. There's a one-time fee of 5 USDT for issuing your virtual Visa Signature® card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source kemapp.io Wording at the source The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance (differs) unknown 0.00 USD Source and check Source kemapp.io Wording at the source The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Free cards unknown unknown
Shipping unknown unknown
Monthly fee 0.00 USD Source and check Source karta.io Wording at the source Karta alternative: Zero monthly fees. Your account remains active as long as you use it, with no minimum balance requirements and no hidden maintenance charges. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source kemapp.io Wording at the source Yes. There is no card issuance fee and no monthly or annual fee for the Kem Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee (differs) unknown 0.00 USD Source and check Source kemapp.io Wording at the source Yes. There is no card issuance fee and no monthly or annual fee for the Kem Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee (differs) unknown not published Source and check Source kemapp.io Wording at the source 3.2 Fees and pricing will be disclosed in-app or on the platform prior to transaction confirmation. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto deposit fee unknown unknown
Crypto conversion fee (differs) 0 % above the market rate Source and check Source karta.io Wording at the source While competitors charge 2-5% just to load your card, Karta offers 0% commission on crypto deposits. Your 100 USDT becomes $100 in spending power—no hidden conversion spreads, no "processing fees," no... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Foreign currency fee (differs) 1 % above the network rate Two sources, two values Shown1 % above the network rate karta.iochecked 29 Oct 2026 💡 Visa network charge: Visa applies a standard 1% international transaction fee on payments made in currencies other than USD. This is a Visa network standard separate from Karta's fees. Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 3 % Source and check Source kemapp.io Wording at the source Foreign Exchange Fee (non USD): up to 3% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) 2.5 % + 1.00 USDT Two sources, two values Shown2.5 % + 1.00 USDT karta.iochecked 29 Oct 2026 | ATM withdrawal (successful) | 1 USDT + 2.5% | Differingvalue not recorded karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? only in the app Source and check Source kemapp.io Wording at the source - ATM withdrawals: Available (check app for current limits and any applicable fees) Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Transaction fee (differs) 1.5 % Source and check Source karta.io Wording at the source | Card payment fee | 1.5% per transaction | Checked 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 (differs) unknown The account remains active after a long period without use; no inactivity period is specified. Source and check Source kemapp.io Wording at the source Your account would still be active for whenever you'd like to come back. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card replacement (differs) unknown not published Source and check Source kemapp.io Wording at the source We will disclose any Fees to you when you are approved for a Kem Card through your Kem Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days' n... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Rewards
Cashback (differs) 25 % Source and check Source karta.io Wording at the source Every USDT purchase earns 25% back in Karat—Karta's internal reward token. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 2–5 % Source and check Source kemapp.io Wording at the source Pay with your Kem card and earn instant cashback — up to 5% back on food delivery, plus rides and flights across the region. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown unknown
Welcome bonus unknown unknown

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