OKX Card EEA: How It Works, Fees, Rewards & Eligibility
The OKX Card is a crypto-backed payment card designed for everyday use across the European Economic Area (EEA). It allows users to spend supported stablecoins through the Mastercard network, combining crypto-native funding with established card payment infrastructure. The card is built for users who already operate within crypto ecosystems and are looking for a practical way to use stablecoins in real-world transactions, without manual conversions, preloaded balances, or additional payment applications.
How the OKX Card works
The OKX Card enables users to pay with stablecoins held in their OKX Pay account. When a card payment is made, the transaction is processed via Mastercard, and settlement occurs in euros. Merchants receive fiat currency, while the user’s payment is funded by their stablecoin balance.
This structure allows the card to function like a conventional payment card from the merchant’s perspective, while remaining crypto-backed from the user’s perspective. The card is connected to a smart wallet, meaning ownership of the crypto remains with the user until the moment of transaction. Supported spending assets currently include USDC and USDG held in the OKX Pay account.
Fees and foreign exchange
The OKX Card is positioned around transparent cost mechanics.OKX does not charge transaction fees or foreign exchange (FX) fees for card spending. This applies to both EUR and non-EUR transactions. For non-EUR purchases, the exchange rate is provided by the Mastercard network, without an additional FX markup applied by OKX. For the conversion from stablecoins to fiat currency a 0.4% market spread applies. This spread reflects standard crypto-to-fiat conversion mechanics rather than a card-specific fee.There are no issuance fees, monthly fees, annual fees, or inactivity fees for the OKX Card. The card is currently issued as a virtual card only
Rewards and cashback
During the initial launch period, the OKX Card offers promotional cashback on eligible purchases with USDG. Cashback is credited instantly in crypto, with no staking or lock-up requirements. For the first 30 days after launch, users may earn up to 20% cashback, subject to caps and user tier. After the promotional period, cashback rates and caps depend on the user’s OKX VIP level. For example, VIP users may receive ongoing cashback with defined monthly limits, while standard users may receive no ongoing cashback outside promotional periods. As with all promotions, cashback rates, eligibility, and caps are subject to change and should be reviewed at the time of use.
Eligibility and availability
The OKX Card EEA is available to users across the EU and Norway, excluding Iceland and Liechtenstein. It is built for crypto-active users who are comfortable using stablecoins, wallets, and onchain services, while remaining simple and intuitive for everyday payments.
OKX is licensed under MiCA, and the card operates on the Mastercard network. Although the card itself is not a MiCA-licensed product, it is issued and operated in line with applicable European regulatory requirements.
Getting started
To use the OKX Card, users activate the card within the OKX App and hold supported stablecoins in their OKX Pay account. Once activated, the card can be used for online and in-store payments wherever Mastercard is accepted. The card can also be added to Apple Pay or Google Pay on supported devices. Manual asset conversions, advance top-ups, or separate payment applications are not required.
Summary
The OKX Card EEA is designed to make stablecoin spending compatible with everyday European payment habits. By combining crypto-backed funding with the Mastercard network, it enables users to spend stablecoins directly while maintaining familiar card payment flows. Key characteristics include transparent fees, automated conversion mechanics, promotional cashback during launch periods, and availability across most of the EEA. For crypto-native users seeking real-world usability without additional operational steps, the OKX Card provides a regulated and infrastructure-aligned option.
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