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Comparison

Kem Card vs. SafePal Mastercard compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Kem CardKem
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on SafePal MastercardSafePal

In short

  • SafePal Mastercard has the lowest foreign currency fee (1 %).
  • SafePal Mastercard ask for the least (ID document).
  • SafePal Mastercard has the higher score (63.14).
Attribute Kem CardKem Requires KYC Private Virtual Physical SafePal MastercardSafePal Requires KYC Private Virtual
Score average average
CostsWeight 25 % 67 92
KYC and privacyWeight 20 % 0 35
FeaturesWeight 15 % 75 68
AvailabilityWeight 10 % 97 42
RewardsWeight 10 % 65 not scored
TrustWeight 10 % 78 88
CommunityWeight 10 % not scored not scored
KYC KYC: Full verification KYC: ID document
Limits (entry level) no limits captured
  • Spending per day: 10,000 USD
  • Spending per day (number): 100×
  • Spending per month: 20,000 USD
+2
Basics
Card form 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? debit Source and check Source safepal.com Wording at the source Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types (differs) 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? virtual Source and check Source safepal.com Wording at the source Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network (differs) 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? Mastercard Source and check Source safepal.com Wording at the source Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody 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? custodial Two sources, two values Showncustodial safepal.comchecked 28 Oct 2026 If the User is using any Centralized Digital Asset Exchange, Banking Accout and Card Services, Fiat Currency and Digital Asset on-ramp and off-ramp service or any centralized service provided by Third... Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model 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? stablecoin balance Source and check Source safepalsupport.zendesk.com Wording at the source Having EUR24, USD24, and CHF24 in your wallet signifies that you possess the equivalent amount of legal currency in your Fiat24 IBAN account. When you transfer funds from your Fiat24 IBAN account, the... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies (differs) 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? CHF, CNY, EUR, USD Source and check Source safepalsupport.zendesk.com Wording at the source Enjoy zero FX fees when spending in EUR, CHF, USD, and CNY, along with no deposit fees for seamless funding—making everyday transactions cost-effective and efficient. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Usage 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? personal Source and check Source safepal.com Wording at the source If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) 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? Fiat24 (SR Saphirstein AG) Two sources, two values ShownFiat24 (SR Saphirstein AG) safepal.comchecked 28 Oct 2026 3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,... Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs) unknown user setting Source and check Source safepal.com Wording at the source Customize your spending limit for advanced security2 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account unknown unknown
Availability
Available in (differs) unknown Available in 42 countries and regions Source and check Source safepal.com Wording at the source $100,000 monthly transaction limit with Mastercard support Aland Islands(ALA) Australia(AUS) Austria(AUT) Belgium(BEL) Canada(CAN) Cyprus(CYP) Czech Republic(CZE) Denmark(DNK) Estonia(EST) F... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) 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? USDC Source and check Source safepalsupport.zendesk.com Wording at the source Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets unknown unknown
Top-up networks (differs) 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? Arbitrum Source and check Source safepalsupport.zendesk.com Wording at the source Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up 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? Yes Source and check Source safepalsupport.zendesk.com Wording at the source Step 2: Select IBAN, then select the fiat account you want to deposit. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs) 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? Apple Pay Google Pay Samsung Pay Source and check Source safepal.com Wording at the source Spend crypto via popular and established payment platforms like Paypal, Apple Pay, Google Pay, Samsung Pay, and more Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals 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? Yes Source and check Source safepalsupport.zendesk.com Wording at the source ATM Withdrawal: Switch it off when you don't have contactless withdrawal requirements Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless 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? Yes Source and check Source safepal.com Wording at the source For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs) 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? unknown
Physical card issuance (differs) 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? unknown
Free cards unknown unknown
Shipping (differs) unknown not applicable Source and check Source safepal.com Wording at the source Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Monthly fee 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? 0.00 USD Source and check Source safepalsupport.zendesk.com Wording at the source There are no account opening fees, management fees, or any other additional charges. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Annual fee 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? 0.00 USD Source and check Source safepalsupport.zendesk.com Wording at the source There are no account opening fees, management fees, or any other additional charges. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Top-up fee (differs) unknown free Two sources, two values Shownfree safepalsupport.zendesk.comchecked 29 Oct 2026 The standard deposit/top-up fee is set at 0% . Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers. 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?
Crypto deposit fee (differs) unknown free Two sources, two values Shownfree safepalsupport.zendesk.comchecked 29 Oct 2026 The standard deposit/top-up fee is set at 0% . Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers. 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?
Crypto conversion fee unknown unknown
Foreign currency fee (differs) 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? 1 % Two sources, two values Shown1 % safepalsupport.zendesk.comchecked 28 Oct 2026 Mastercard transactions settled in non-USD currencies will incur a 1% currency exchange fee. A processing fee of 1 USD/1 EUR/1 CHF/7 CNH will be charged per refund, depending on the payment currency. Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) 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? unknown
Transaction fee unknown 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) 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? unknown
Card replacement (differs) 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? unknown
Rewards
Cashback (differs) 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? unknown
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown unknown
Welcome bonus unknown unknown

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