Orbitx Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
OrbitX prices self-custody like a luxury good: 100 dollars plus 12 a year for Neo plastic, 350 plus 30 for Lux metal, against a 100% collateral requirement and a flat 2% FX on every non-USD transaction. It even bills declined transactions, 5 to 10 cents each. What that buys is a smart-contract wallet where you hold the keys, Visa Signature perks, named IBANs in USD, EUR, GBP and AED via partner banks, and a 50,000-dollar daily limit on Neo (unlimited on Lux). Stablecoin deposits ride Polygon and Base today, with Solana and Tron promised. There is no cashback. As a high-limit self-custody package with bank rails it hangs together. Try to justify it on value alone and the fee stack falls apart.
This is a Visa crypto card. It uses a self-custody model.
Fees & Limits
| Issuance Fee | Neo $100; Lux $350 |
|---|---|
| Annual Fee | Neo $12/year; Lux $30/year |
| FX Fee | 2% FX on all non-USD for both Neo and Lux tiers |
| ATM Limit | Available; high ATM fees (Base + 2% + $2) |
| Spending Limit | Neo: $50000/day; Lux: Unlimited |
These figures can change. Confirm the current fees, FX and network in Orbitx’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: USDC, USDT stablecoins on Polygon, Base; Solana and Tron coming
- Available Countries: Global (B2B/CaaS model; retail issuance country list not disclosed)
Banking & Fiat Rails
Yes — named IBANs; USD, EUR, GBP, AED accounts (via partner banks)
Who issues the Orbitx Card
Our issuer directory has no verified entry for the Orbitx Card yet, so the bank behind it is not confirmed here even where the card's own terms name one. Around a quarter of the cards we track are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Orbitx Card with crypto; the 3 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Any blockchain via OrbitX routing; USDC-centric (non-custodial)
Who Is the Orbitx Card Best For?
The Orbitx Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Global availability, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
Avoid if
- You want a card that earns cashback
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the Orbitx Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- True non-custodial with smart contract wallet; Visa Signature premium benefits; unlimited spending on Lux tier; multi-currency IBANs
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Available in most countries
- Virtual card ready right away, no shipping wait
Cons
- High issuance fees ($100-$350); annual fees ($12-$30); transaction decline fees ($0.05-$0.10); 100% collateral required
- Does not offer cashback or rewards
- Card issuance fee: Neo $100; Lux $350
- Annual fee: Neo $12/year; Lux $30/year
- Full KYC required, no anonymous tier
How to Get the Orbitx Card
Here is what the sign-up process looks like, from application to first purchase.
Create your Orbitx account
A few minutesGo to the Orbitx website or download the app.
Complete identity verification
Varies by issuerOrbitx runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with USDC, USDT stablecoins on Polygon, Base; Solana and Tron coming through the funding screen.
Start spending immediately
InstantYour virtual Orbitx Card shows up in the Orbitx app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The Orbitx Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Orbitx website to confirm before you apply.