This is a trade between a lower running cost and a real, ongoing reward. OKX states it charges no foreign transaction fee and issues a virtual card free; ether.fi charges 1–1.5% and 10 USD. But ether.fi pays 3% on the first 2,000 USD you spend each month, and that is published with its cap — where OKX’s 20% was a 30-day launch promotion the issuer says may not continue. ether.fi also runs on credit against collateral, so your assets stay on-chain, and it offers a physical card. OKX does not.
In 30 seconds
Foreign transaction feeOKX — none stated, against 1–1.5%
Cost to get the cardOKX — free; ether.fi charges 10 USD
Ongoing cashback you can rely onether.fi — 3% on the first 2,000 USD a month
Spend without sellingether.fi — credit against collateral
Physical cardether.fi only
Full comparison
Read straight from the same database as each card’s review.
We mark a winner only when one card’s worst case still beats the other’s best case —
where the ranges overlap we say so instead of picking for you.
Where you can apply
Item
ether.fi
OKX
Taiwan
Available — we applied ourselves
Available — we applied ourselves
Hong Kong
Not on the issuer’s exclusion list
The issuer does not say
The card
Item
ether.fi
OKX
Network
Visa
Mastercard
Card type
Debit
Virtual only
Physical card
Yes
No — virtual only
Fees
Item
ether.fi
OKX
Annual feeSame
Free
Free
Virtual only
10 USD (Core / Luxe / Pinnacle); free for VIP
betterFree
Physical card issuanceNot applicable to one of them
Core 50 USD; Luxe and Pinnacle 100 USD; free for VIP (covers the card and shipping)
Not published
Foreign transaction fee
FX base rate of about 1%, plus a tier margin: Core +0-0.5% / Luxe +0-0.25% / Pinnacle and VIP no margin
betterFree (the issuer states it charges no FX fee)
Crypto conversion
Not published
About 0.1% market spread
ATM withdrawal
Supported; the issuer does not publish a rate
Not published
Cashback
Item
ether.fi
OKX
Base cashback
3%
The issuer does not publish a base rate
Maximum cashback
3%
better20% — requires: First 30 days after launch, on USDG spending. After the promotion it follows VIP tier, and the issuer states plainly that ordinary users may get no ongoing rebate
Cashback cap
2,000 USD/month — 3% on the first 2,000 USD, 1% from 2,001–3,000 USD, 0.5% above that
The issuer does not publish a cap
Hands-on in Taiwan
Item
ether.fi
OKX
Apple Pay
Works
We have not tested this
Google Pay
Works
We have not tested this
LINE Pay
Works
We have not tested this
7-11
Declined in testing
We have not tested this
FamilyMart
Works via Apple Pay
We have not tested this
Verification
Item
ether.fi
OKX
Last checked
2026-08-05
2026-08-05
“Not published” and “we have not tested this” are different things, and neither means zero.
We do not fill gaps to make the table look complete.
Who is ether.fi Cash Card for?
You hold on-chain assets and would rather borrow against them than sell
Your monthly spend lands at or under 2,000 USD, where the full 3% applies
You want a physical card
Who is OKX Card for?
Your spending is large but irregular, so a monthly cashback cap does you little good
A virtual card is enough
You want the lowest possible cost per transaction and no reliance on rewards
So which one — ether.fi or OKX?
Do the arithmetic once and it settles itself. At 2,000 USD a month, ether.fi returns 60 USD in cashback and costs about 30 USD in foreign transaction fees — net positive 30. OKX saves that 30 USD but pays nothing back, so it lands at zero. If you can fill ether.fi’s cashback allowance, it comes out ahead. If your spending is lumpy and you rarely reach the cap, OKX’s stated 0% is the safer bet.
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ether.fi Cash Card 
OKX Card