RedotPay Card vs Karta Personal
On real usage, RedotPay Card leads: $423.5M was spent with it in October 2026, against $53.6M for the other card. On our computed rating, RedotPay Card scores higher (6.0 vs 3.7 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | RedotPay Card | Karta Personal |
|---|---|---|
| Our rating | 6.0 / 10 (provisional) | 3.7 / 10 (provisional) |
| Network | Card networks vary by region | Visa |
| Model | Prepaid · Debit | Prepaid |
| Card formats | Virtual · Physical | Virtual · Physical |
| Availability | RedotPay's Help Center (August 2026) lists around 40 unsupported countries and regions where registration and KYC are unavailable, including the United States, Mainland China, Russia, Iran, North Korea, Cuba, Syria, Myanmar, Venezuela, Ukraine, and Belarus. If you are physically located in a restricted area you cannot access the app at all. RedotPay P2P is available in 100+ countries and regions; the app shows the current list for your location. | 150+ countries. Provider does not publish the full list. |
| Rewards | Standard cards have no cashback. RedotPay Pro (launched June 2026) costs $12.90/month or $129/year and pays 3% cashback on Apple Pay and Google Pay purchases, credited in USDs for future card spending. The monthly plan waives the $10 virtual card fee; the annual plan waives the $100 physical card fee, adds up to $1,000/month of ATM withdrawals without RedotPay's withdrawal fee, and adds 1% APY on RedotPay Earn balances where available. Membership fees are non-refundable and auto-renew. | No cashback advertised. |
| Pricing | The official fee schedule (effective December 1, 2025) lists a $10 virtual-card issuance fee and $100 physical-card issuance fee, with account maintenance waived. Virtual card replacement costs $5 for the first update and $10 for each subsequent update; standard-mail delivery of the physical card is waived. Spending: 1% crypto conversion fee on default-currency purchases, plus 1.2% on non-default currency purchases. ATM withdrawals: 2% on HKD cards, and 2% on USD cards up to $10,000 of monthly withdrawals, then 3%. Small purchases of $1 or less are free for the first 5 per card each month, then $0.20 each; declined transactions are free for the first 3 per card each month, then $0.50 each. Card limits: $100,000 per transaction, $1,000,000 daily; ATM withdrawals 3 per day and 30 per month, $3,750 daily and $50,000 monthly on USD cards (in some countries $3,000 daily and $10,000 monthly). The $5 welcome reward cannot be used to pay the card issuance fee. | Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. |
| Funding | Stablecoins and other supported assets are managed through the RedotPay app and converted for card spending or withdrawals. On-chain crypto deposits are free; bank-card top-ups cost 3% and Binance Pay top-ups cost 1%. Since November 2026 the app also offers a Buy Crypto flow for purchasing USDT and USDC with a credit or debit card saved to the app, so repeat purchases take one tap; the fee in RedotPay's launch video example works out to the same 3% as the published bank-card top-up fee. | Topped up with crypto from the user's wallet; top-ups are free. A wallet-direct model is in development on Tempo, the payments chain from Stripe and Paradigm: the user approves the card once with a spending limit (Tempo Access Keys), and at the terminal the card debits the user's own wallet with nothing to sign, settlement final in about 500 ms and a chain fee of about $0.001 paid in stablecoins. Karta's treasury already runs on Tempo and the user app is moving over, per @xKseilas (November 2026); the pre-funded top-up model is what is live today. |
| Spent in October 2026 | $423.5M · #1 of 28 tracked · Issuer-reported | $53.6M · #5 of 28 tracked · Onchain, daily batches |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | No cashback | No cashback |
RedotPay Card
Stablecoin users who want a card plus app-based payment rails, subject to local availability.
Karta Personal
Frequent travelers who want a high-acceptance Visa Signature card with free crypto top-ups.
Questions about this pair
Which is used more, RedotPay Card or Karta Personal?+
In October 2026, $423.5M was spent with RedotPay Card and $53.6M with Karta Personal, across the programs tracked by PaymentScan and republished by Castle Labs. RedotPay Card is the more used of the two on that measure. One of these programs reports its own figures, which are not independently verified onchain.
Which pays better cashback, RedotPay Card or Karta Personal?+
On the published terms in this directory, RedotPay Card lists: Standard cards have no cashback. RedotPay Pro (launched June 2026) costs $12.90/month or $129/year and pays 3% cashback on Apple Pay and Google Pay purchases, credited in USDs for future card spending. The monthly plan waives the $10 virtual card fee; the annual plan waives the $100 physical card fee, adds up to $1,000/month of ATM withdrawals without RedotPay's withdrawal fee, and adds 1% APY on RedotPay Earn balances where available. Membership fees are non-refundable and auto-renew. Karta Personal lists: No cashback advertised. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between RedotPay Card and Karta Personal?+
RedotPay Card: The official fee schedule (effective December 1, 2025) lists a $10 virtual-card issuance fee and $100 physical-card issuance fee, with account maintenance waived. Virtual card replacement costs $5 for the first update and $10 for each subsequent update; standard-mail delivery of the physical card is waived. Spending: 1% crypto conversion fee on default-currency purchases, plus 1.2% on non-default currency purchases. ATM withdrawals: 2% on HKD cards, and 2% on USD cards up to $10,000 of monthly withdrawals, then 3%. Small purchases of $1 or less are free for the first 5 per card each month, then $0.20 each; declined transactions are free for the first 3 per card each month, then $0.50 each. Card limits: $100,000 per transaction, $1,000,000 daily; ATM withdrawals 3 per day and 30 per month, $3,750 daily and $50,000 monthly on USD cards (in some countries $3,000 daily and $10,000 monthly). The $5 welcome reward cannot be used to pay the card issuance fee. Karta Personal: Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. Provider fees and regional terms change, so confirm on the official fee pages linked from each profile.
More comparisons
Spend figures are settled payments tracked by PaymentScan and republished by Castle Labs for October 2026; see the spend tracker for methodology and caveats. Ratings are computed from structured listing facts by a fixed formula; see how we rate. This comparison is educational content, not a personal recommendation.