# Karta Card vs. SafePal Mastercard: fees, limits & KYC

- Karta Card has the higher score (68.27).

## Basics

|  | Karta Card | SafePal Mastercard |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | virtual, physical, metal | virtual |
| **Card network** | Visa | Mastercard |
| **Custody** | self-custody | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| **Card currencies** | USD | CHF, CNY, EUR, USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Third National | Fiat24 (SR Saphirstein AG) |
| **Limits depend on** | not published | user setting |
| **Cards per account** | not published | unknown |

## Availability

|  | Karta Card | SafePal Mastercard |
| --- | --- | --- |
| **Available in** | Not available in 21 countries and regions | Available in 42 countries and regions |

## Crypto

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

## Payments

|  | Karta Card | SafePal Mastercard |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Apple Pay, Google Pay, Samsung Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Karta Card | SafePal Mastercard |
| --- | --- | --- |
| **Virtual card issuance** | 30.00 USDT | unknown |
| **Physical card issuance** | unknown | not applicable |
| Free cards | unknown | unknown |
| **Shipping** | unknown | not applicable |
| Monthly fee | 0.00 USD | 0.00 USD |
| **Annual fee** | unknown | 0.00 USD |
| **Top-up fee** | unknown | free |
| **Crypto deposit fee** | unknown | free |
| **Crypto conversion fee** | 0 % above the market rate | unknown |
| **Foreign currency fee** | 1 % above the network rate | 1 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 2.5 % + 1.00 USDT | unknown |
| **Transaction fee** | 1.5 % | 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

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

## Limits (entry level)

|  | Karta Card | SafePal Mastercard |
| --- | --- | --- |
| Limits (entry level) | no limits captured | Spending per day 10,000 USD · Spending per day (number) 100× · Spending per month 20,000 USD |

- [Karta Card](https://cryptocardss.com/en/karta-card.md)
- [SafePal Mastercard](https://cryptocardss.com/en/safepal-mastercard.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/karta-card-vs-safepal-mastercard/
- **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-safepal-mastercard/