KAST vs RedotPay
Side-by-side comparison of KAST and RedotPay crypto cards. Data sourced from official issuer documentation and verified by SpendNode.
Comparing 2 Cards
Side-by-side comparison of features and benefits
| Attribute |  |  |
|---|---|---|
| Max Cashback | 12%Highest | 3% |
| Annual Fee | TBD | FreeBest |
| FX Fee | TBD | 1.2% |
| Custody Model | Custodial | Custodial |
| Network | VISA | VISA |
| Regions | GLOBAL | GLOBALAPACLATAMEEA |
| Supported Assets | 2+ assets USDCUSDT | 5+ assets SOLUSDTUSDCBTCETH |
| Cashback | Yes | Yes |
| Staking | No | No |
| Points | No | No |
| Airdrops | No | No |
| Lounge access | No | No |
| Subscription rebates | No | No |
| Metal card | No | No |
| Virtual Cards | Yes | Yes |
| Physical Cards | No | No |
| Visa | No | No |
| Mastercard | No | No |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | No |
| Self-custody spend | No | No |
| Stablecoin spend | Yes | Yes |
| No annual fee | No | Yes |
| No FX fee | No | No |
| ATM free allowance | No | No |
| No KYC | No | Yes |
| Virtual vs Physical | Yes | Yes |
| Debit vs Prepaid | No | No |
| Best For | Best for Cashback | Best for No Annual Fee |
Note: All data verified as of February 2026. Rewards and fees may vary based on your spending tier and region. Check each card's detailed page for complete terms.
KAST vs RedotPay: Key Differences
Two global Visa prepaid cards with very different value propositions. [KAST](/crypto-cards/kast-card/) delivers 2-8% Season 5 points farming before TGE, 4% $MOVE [cashback](/crypto-cards/cashback/), the Pengu Card collection with 6-12% cashback, and metal/gold card tiers across 170+ countries. [RedotPay](/crypto-cards/redotpay-virtual-card/) delivers zero permanent cashback with 2.2% total fees (1% conversion + 1.2% FX) but offers $1,000,000 daily spending limits, [no-KYC](/crypto-cards/no-kyc/) virtual access, and instant activation in 50+ countries. KAST is for airdrop farmers and cashback maximizers. RedotPay is for high-capacity off-ramping at scale.
The right choice depends on your priorities: cashback rates, regional availability, custody model, and which ecosystem you already use. Below, we break down who should choose each card.
Product Overview
KAST - Custodial Visa prepaid via Lead Bank. Multiple collections: Original (K Card free/2% points, X Card $1K/yr/5%, Gold $10K/yr/8%) and Pengu (Standard free/6%, Premium 8%, Luxe 12%). All cards earn 4% $MOVE cashback additionally. Season 5 points farming (Dec 2025 - Mar 2026) before TGE targeted Q2 2026. GLOBAL (170+ countries). Assets: USDC, USDT. App Store: 4.5, 10 reviews.
RedotPay - Custodial Visa prepaid with three tiers: Virtual ($10, no-KYC, instant setup), Solana Edition ($10, limited-time 3% promo cashback), Physical ($100, ATM withdrawals). Every transaction carries 1% conversion + 1.2% FX. No ongoing cashback program. Limits: $1M/day, $100K/tx. Coverage: 50+ countries. Supports USDT, USDC, BTC, ETH, SOL. App Store: 4.8 stars, 2,619 reviews.
Rewards: Farming vs None
| Tier | KAST (rewards / cost) | RedotPay (rewards / cost) | KAST value on $3K/mo | RedotPay value on $3K/mo |
|---|---|---|---|---|
| Free (points) | 2% S5 pts + 4% $MOVE / $0 (K Card) | 0% / $10 (Virtual) | Points + approx. $80/mo $MOVE | -$792/yr |
| Free (cashback) | 6% / $0 (Pengu Standard) | 0% / $10 (Virtual) | $2,160/yr | -$792/yr |
| Premium | 8% / TBD (Pengu Premium) | 0% / $100 (Physical) | $2,880/yr | -$792/yr |
| Max | 12% / TBD (Pengu Luxe) | 0% / $100 (Physical) | $4,320/yr | -$792/yr |
SpendNode's winner by category on free-tier economics: KAST's Pengu Standard (free, 6% cashback) versus RedotPay Virtual (free, 0%, 2.2% fees) is a $2,952/year swing on $3,000/month spending. KAST earns $2,160/year. RedotPay loses $792/year. Both are free to hold. Both are custodial Visa cards. The rewards gap is the widest in any comparison at these price points.
KAST's 4% $MOVE cashback is additional and immediate. $MOVE is live and tradable on Binance, OKX, and Bybit. On $2,000/month qualifying spend (the cap), that is approximately $80/month or $960/year in liquid token rewards - on top of Season 5 points or Pengu cashback.
Transaction Limits: Where RedotPay Wins
| Metric | KAST | RedotPay |
|---|---|---|
| Daily spending | Not publicly documented at scale | $1,000,000 |
| Per transaction | Standard prepaid limits | $100,000 |
| ATM monthly | Standard prepaid limits | $50,000 (Physical) |
| KYC required | Under 2 min (standard) | No (Virtual) |
| Activation | Instant virtual | Instant virtual |
RedotPay's $1M daily limit is infrastructure-grade. For converting large crypto positions to fiat, paying business expenses, or handling real estate deposits in crypto, RedotPay handles volumes that standard prepaid cards cannot. KAST serves daily consumer spending, not high-volume off-ramping.
Airdrop Farming: KAST's Core Advantage
KAST Season 5 (Dec 2025 - Mar 2026) is the final points-earning phase before TGE targeted Q2 2026. Standard cards earn 2%, Premium 5%, Luxe 8% in points. 1 KAST Point = 1 KAST token at TGE. This is explicit, documented, and time-bound.
RedotPay offers seasonal promotions (Solana Edition 3% cashback, limited-time) and referral bonuses. No token farming, no airdrop system, no ecosystem points.
For users who want to farm tokens before a TGE event, KAST is purpose-built. RedotPay does not compete in this category.
What People Get Wrong
Using RedotPay for regular spending when KAST Pengu offers 6% cashback for free. RedotPay's 2.2% fee costs $792/year on $3,000/month spending. KAST Pengu Standard earns $2,160/year on the same volume at zero cost. The $2,952/year difference is not close. RedotPay's only daily-spending advantage over KAST: broader asset support (BTC, ETH natively) and no-KYC access. If neither matters, KAST wins on pure economics. How to avoid it: If you spend regularly and want rewards, use KAST Pengu or any other cashback card. Reserve RedotPay for high-limit transactions that other cards cannot process.
Dismissing RedotPay because KAST has better rewards without considering volume needs. A business owner who needs to convert $500,000 in USDT to fiat over a week cannot do this efficiently on KAST. RedotPay handles $500,000 in a single day with its $1M daily limit. The 2.2% fee on $500,000 is $11,000 - expensive but potentially competitive with OTC desk spreads for the convenience and speed. How to avoid it: Match the card to the use case. Under $10,000/month: KAST for rewards. Over $50,000 in single transactions: RedotPay for capacity.
The Fast Answer
For daily spending rewards and token farming: KAST with Pengu cards (6-12% cashback) or original cards (2-8% Season 5 points + 4% $MOVE). The rewards outclass RedotPay at every level.
For high-volume crypto off-ramping: RedotPay with $1M daily limits and $100K per transaction. Accept the 2.2% fee as infrastructure cost.
For instant no-KYC access: RedotPay Virtual with $10 issuance. KAST requires standard KYC (under 2 minutes).
For pre-TGE farming: KAST Season 5 points before Q2 2026 TGE. RedotPay has no token farming mechanism.
Outlook: KAST and RedotPay occupy different niches with minimal overlap. KAST competes with cashback and farming cards (Crypto.com, COCA). RedotPay competes with off-ramp infrastructure. Both are custodial, both are Visa, both work globally - but for entirely different purposes. The user who benefits most from both: farm rewards on KAST for daily spending, keep RedotPay for occasional high-limit conversions.
Fee Breakdown
| Fee | KAST | RedotPay |
|---|---|---|
| FX Fee | TBD | 1.2% |
| Annual Fee | TBD | Free |
| ATM Fee | TBD | TBD |
Fees pulled from issuer documentation. Verify on the official site before applying.
Who Should Choose KAST
The KAST Pengu Luxe Card is best suited for users who:
- Want up to 12% cashback on spending
- Are based in GLOBAL
Who Should Choose RedotPay
The RedotPay Solana Card is best suited for users who:
- Want up to 3% cashback on spending
- Prefer a card with no annual fee
- Are based in GLOBAL, APAC, LATAM, EEA
Our Verdict
**SpendNode compared both cards across rewards and utility: KAST wins on rewards at every level while RedotPay wins on transaction limits and speed of access.** At the free tier, KAST K Card (2% Season 5 points + 4% $MOVE) generates meaningful token-denominated rewards on $3,000/month spending. RedotPay Virtual (0%, 2.2% fees) loses $792/year. The KAST Pengu Card (free, 6% cashback) is the strongest free comparison: $2,160/year in cashback versus RedotPay's -$792/year. The swing is $2,952/year between two free cards. But RedotPay's $1,000,000 daily limit and $100,000 per-transaction capacity serve a use case that KAST does not address. KAST's limits are not publicly documented at RedotPay's scale. For daily spending and token farming, KAST wins overwhelmingly. For high-volume crypto-to-fiat conversion, RedotPay is purpose-built.
Frequently Asked Questions
Which has better cashback, KAST or RedotPay?
KAST offers up to 12% cashback compared to RedotPay's 3%. Actual rates depend on your spending tier and card variant.
Which card has lower fees?
Check the fee comparison table above for the latest fee structures.
Is KAST or RedotPay better for self-custody?
Both use custodial models. If self-custody is important, consider providers like Gnosis Pay or ether.fi.
Which card is available in more regions?
RedotPay is available in 4 regions (GLOBAL, APAC, LATAM, EEA) compared to KAST's 1 region (GLOBAL). Always verify eligibility on the issuer's website.