ZEN Card vs OKX Card
The short answer
Winner: OKX Card — 7.2/10 versus 6.7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
OKX Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
2%
ATM fee
1.5%
Free
FX fee
0.5%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
Unlimited
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
2.5%
0.1%
ATM per transaction
Unlimited
Unlimited
Network
mastercard
mastercard
IBAN
✓
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
25
17
Coins
BTC, ETH, USDC, USDT
USDC
ZEN Card vs OKX Card FAQ
On our composite score OKX Card edges ahead (7.2/10 vs 6.7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.