# Karma Card

by Karma · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [karmapay.xyz](https://www.karmapay.xyz)

## Facts

- Karma Card is a Visa credit card from Karma.
- Payments in foreign currencies cost 1 %.
- It works with Apple Pay.
- Custody: self-custody.
- Supported assets: USDC.
- Issuer / BIN sponsor: Third National.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | credit |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | unknown |  |  |
| Card network | Visa |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | self-custody |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | stablecoin balance |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay |  | docs.karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | docs.karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | unknown |  |  |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| Physical card issuance | unknown |  |  |
| Shipping | unknown |  |  |
| Monthly fee | unknown |  |  |
| Annual fee | unknown |  |  |
| Top-up fee | unknown |  |  |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 1 % |  | docs.karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | 0.5 % |  | docs.karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | unknown |  |  |

## KYC and limits

KYC: ID document

### ID document

- KYC at Karma — Requires: Name and date of birth, ID document, Selfie / liveness; In some cases: Proof of address (conditional: if requested) — docs.karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | not published |

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| Residency requirement | Card is intended for people outside the United States; applicants attest they are not US citizens. |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | unknown |
| Austria | unknown |
| Switzerland | unknown |
| United States | unknown |
| United Kingdom | unknown |
| France | unknown |
| Spain | unknown |
| Italy | unknown |
| Netherlands | unknown |
| Türkiye | unknown |
| Brazil | unknown |
| Nigeria | unknown |
| India | unknown |
| United Arab Emirates | unknown |
| Singapore | unknown |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | USDC |  | docs.karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | unknown |  |  |
| Fiat top-up | unknown |  |  |

## Bonuses and promotions

What Karma offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

- Referral bonus · You (referrer): not published · code — docs.karmapay.xyz

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Third National |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | Rain |  | karmapay.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Headquarters | unknown |  |  |
| Support channels | unknown |  |  |

## Company and trust

- Card since 02/2026

### Company

- Headquarters: United Kingdom (Source: karmapay.xyz)
- Registered address: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ (Source: karmapay.xyz)

### Card history

- Card launched: 02/2026 (Source: docs.karmapay.xyz)

### Issuer

- Third National (United States)
- Registered name: Nimbus LLC
- Register number: NMLS 2612780
- Issues 20 card programmes in our catalogue

### Transparency

- Transparency 86 %
- 0 of 11 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

53.63 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 67 | 16.7 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 53 | 8.0 |
| Availability | 10 % | not scored | counts neutral (5.0) |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 70 | 7.0 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Score changed from 49.7 to 53.62.
- 29 Oct 2026: Score changed from 47.99 to 49.7.
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: Score changed from 49.3 to 47.99.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Market launch: February 1, 2026.
- 29 Oct 2026: Headquarters: United Kingdom.
- 29 Oct 2026: Score changed from 51.8 to 49.3.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/karma-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/karma-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/karma-card/