Best Crypto Cards in Georgia (2026)

The NBG (Sakartvelos Erovnuli Banki, National Bank of Georgia) provides general financial oversight. Georgia does not have crypto-specific legislation, but the NBG has issued statements acknowledging crypto and monitoring developments.

The GRS (Georgia Revenue Service, Shemosavlebis Samsakhuri) oversees tax compliance. Georgia's regulatory approach is permissive: crypto is not banned, not explicitly regulated, and the territorial tax system means most crypto gains are untaxed.

KAST, Crypto.com, xPlace, and RedotPay may serve Georgian residents under global coverage. Georgia's growing expat community drives awareness of globally available card products.

Georgia's permissive approach and territorial tax system make it one of the world's most attractive jurisdictions for crypto card spending.

Georgia uses a territorial tax system. Personal income tax is 20%, but it applies only to Georgian-source income. Crypto gains from non-Georgian sources (which includes most crypto trading and DeFi) are not taxed for Georgian residents.

Example: You bought BTC on a global exchange and spend it through your card in Georgia. The gains are from a non-Georgian source. Tax = GEL 0.

Exception: If you operate a Georgian-registered crypto business or provide crypto services to Georgian clients, the income may be classified as Georgian-source and taxed at 20%.

No stablecoin strategy needed for tax purposes if your crypto is from non-Georgian sources. Spend whatever maximizes your rewards. Georgia is one of the few countries where zero crypto tax is the default for most users.

Georgian crypto card applications require a piradobis mowmoba (Georgian ID card) or saertashoriso pasporti (international passport) for citizens. Foreign residents need a passport plus residence permit. The piradis nomeri (personal number, 11 digits) is the primary identifier.

Proof of Georgian address via utility bill (komunaluri gadsakhdeli), bank statement (amoniweris), or lease agreement (ijaris khelshekruleba). TBC Bank and Bank of Georgia statements are widely accepted.

Physical cards ship to Georgian addresses within 10-21 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.

Zero Tax + Low Cost of Living = Maximum Value

Georgia combines zero crypto tax (non-Georgian source) with one of Europe's lowest costs of living. At 2% cashback on GEL 3,000/month spending, you earn GEL 720/year completely tax-free. In Tbilisi, that covers 3+ weeks of groceries or 40+ restaurant meals.

Card Selection by Use Case

• KAST (2% cashback, free): Best no-fee starter for most residents
• Tria Premium (6%, $250/year): Best for higher spenders
• Crypto.com (up to 5%): Best for metal tiers
• Bleap (2% cashback, free): Best self-custody card

Spending Scenario: GEL 3,000/month (~$1,100)

Both approaches yield GEL 720/year completely tax-free. No stablecoin strategy needed.

FX Is Critical for GEL Users

GEL is not pegged to any currency. Cards with 0% FX fees save 2-3% per transaction versus TBC Bank or Bank of Georgia debit cards. On GEL 3,000/month, that is GEL 720-1,080/year in FX savings, effectively doubling the cashback benefit.

Local Payment Infrastructure

Card acceptance in Tbilisi is strong and growing: malls (East Point, Galleria Tbilisi), supermarkets (Carrefour, Goodwill, Nikora), restaurants, and cafes on Rustaveli Avenue accept contactless Visa/Mastercard. TBC Pay and BOG iPay handle mobile payments (bank-only). Cash is still common at bazaars (Dezerter Bazaar), marshrutkas, and smaller shops outside Tbilisi. Apple Pay is supported at major retailers.

Global card issuers: Crypto.com (up to 5%), KAST (2%), xPlace (0.5%), and RedotPay may serve Georgian residents under global coverage. Tria (up to 6%) and Bleap (2%) offer self-custody spending.

Local/regional: CryptoGeorgia and smaller local platforms serve the Georgian market but do not offer card products. The growing expat community uses internationally available platforms for trading and card access.

ether.fi (3%, credit-based) offers a borrow-to-spend model to keep crypto earning staking yield while spending. In Georgia's zero-tax environment, the combined staking + cashback strategy maximizes returns.

Georgia's growing digital nomad community means strong word-of-mouth adoption of globally available crypto cards.