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secured-credit Card•
OrbitX Card
by OrbitX Network Group Pte. Ltd.
OrbitX Card is a secured credit card backed by crypto collateral (USDC/USDT) in a non-custodial smart contract wallet. It features two distinct tiers (Neo and Lux) with significant differences in materials, fees, and limits. Spending limits are dynamic based on collateral, but tiers impose their own caps. No traditional cashback rewards; value proposition focuses on crypto-liquidity and non-custodial control.
ORBITX CARD
OrbitX Network Group Pte. Ltd.
Cashback
Variable
Annual Fee
$NaN
FX Fee
2%
Staking
None
N/A
Max Cashback
$NaN
Annual Fee
0
Premium Perks
Available Regions
Unique Features
- Card tiers tied to specific fee structures and materials (Plastic vs Metal)
- Dynamic spending limits based on real-time collateral value
Pros
- Non-custodial (Smart Contract Wallet)
- 0% Deposit Fees
- No Credit Check
- High Limits (Unlimited on Lux)
- Supports Apple Pay & Google Pay
Cons
- Annual Fees ($12-$30)
- High Issuance Fees ($100-$350)
- FX Fees apply (1-2%)
- Transaction Decline Fees ($0.05-$0.10)
- High ATM fees
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
Global availability (excluding sanctioned regions)
AvailableExcludedUnknown
Available In (1)
Global
Not Available In (18)
BelarusChinaCubaIndiaIranIraq
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic/Metal
Issuance$100
ShippingFree
Replacement$100
Tier Comparison
Neo
0% CashbackStake Required
Free
Issuance Fee
$100
Replacement Fee
$100
FX Fee
2.00%
ATM Fee
Base ATM charges + 2% + $2
Fee Structure
Annual Fee$NaN
Monthly Fee$12
FX Fee2%
Issuance Fee$100
Shipping FeeFree
Replacement Fee$100
Inactivity FeeNone
Crypto ConversionFiat Conversion Fee: $0.10-$0.20 per transaction%
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After LimitBase + 2% + $2.00%
Detailed Fee Structure
ATM Fee2% + $2.00 (Base + 2% + $2)
Component 12%
Component 2$2.00
Base + 2% + $2
Detailed Limits
Spending Limits$50,000/day
Daily
50,000 USD
Fee Details
Fees are tier-dependent. Decline Fee: $0.05-$0.10. Withdrawal Fee (Non-ATM): $2.00. ATM Fee: Base + 2% + $2.00.
Limits & Conditions
Neo capped at $50k/day spend; Lux is unlimited. Collateral must cover 100% of spend (1:1 LTV implied).
Crypto Capabilities
Security & Custody
Custody ModelNon-Custodial
Wallet TypeSmart Contract
InfrastructureProprietary
Supported Assets
Chains
Polygon
Base
Solana (Upcoming)
Tron (Upcoming)
Tokens
USDC
USDT
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsNo spending rewards/cashback. Referral program only (10% off card purchase for friend, 10% rewards on account for referrer).
Exclusions
Prohibited: Crypto purchases, drugs, gambling, weapons, unauthorized multi-level marketing, and spending in sanctioned countries.
