Best Crypto Cards in Pakistan (2026)
Compare 14+ crypto cards available in Pakistan. High crypto adoption driven by remittances, young population, and PKR currency challenges.
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Card Type
Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Bitget Visa Card
Bybit Card
Bybit Supreme VIP Card
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Jupiter Global
KAST Bitcoin Black Card
KAST Bitcoin Silver Card
KAST Founders Edition
KAST K Card
KAST Solana Card
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
MetaMask Metal Card
MetaMask Virtual Card
OKX Mastercard Debit
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Wirex Elite Card
Wirex Standard Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Verified for Pakistan
39 crypto cards available
Local currency: PKR
Pakistani banks like HBL, UBL, MCB, and Allied Bank offer basic products with high FX fees. Pakistan's 14+ globally available crypto cards deliver up to 6% cashback and zero FX fees, providing an alternative for international spending.
Pakistan consistently ranks in the top 10 for global crypto adoption, driven by remittance needs ($30B+ annually), PKR depreciation, freelancer payments, and a young tech-savvy population. The SBP (State Bank of Pakistan) has been exploring regulatory frameworks.
| Card | Max Cashback | Annual Fee | FX Fee | Type | Best For |
|---|---|---|---|---|---|
| Crypto.com | 5% | $0 | 0% | Prepaid | Metal tiers (CRO stake) |
| KAST | 2% | $0 | 0% | Prepaid | No-fee starter card |
| Bybit | 2% | $0 | 0% | Debit | Traders with Bybit balances |
| RedotPay | 0% | $0 | 0% | Prepaid | Budget stablecoin spending |
| MetaMask | 1% | $0 | 0% | Debit | Self-custody Mastercard |
| Wirex | 8% | $0 | 0% | Debit | Highest potential cashback |
KAST is the best free starter: 2% cashback, zero fees. Crypto cards offer critical FX savings for Pakistan's large freelancer and diaspora communities.
Best Card For Every Need in Pakistan
Top 10 Crypto Cards in Pakistan
1. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
2. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
3. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
4. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
5. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
6. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
7. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
8. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
9. KAST Founders Edition
Strictly Limited: $5,000 One-Time + VIP Concierge + No Annual Fee
10. KAST Solana Illuma Card
Illuminating Metal: 5% Points + 4% $MOVE at $1,000/yr
Crypto Card Regulation in Pakistan
Pakistan's crypto regulatory stance has shifted multiple times. The SBP (State Bank of Pakistan) banned banks from processing crypto transactions in 2018. However, in 2023-2024, Pakistan's government signaled openness to crypto regulation, with the SECP (Securities and Exchange Commission of Pakistan) and the FMU (Financial Monitoring Unit) exploring frameworks.
A draft crypto regulatory framework has been discussed. Pakistan's FBR (Federal Board of Revenue) has expressed interest in taxing crypto income. The PMEX (Pakistan Mercantile Exchange) explored crypto derivatives.
Crypto.com, KAST, and Wirex may serve Pakistani residents under global coverage. Users should verify current availability and banking restrictions.
Pakistan's regulatory environment is evolving from restriction toward regulation, driven by the need to capture tax revenue from widespread crypto adoption.
Tax Treatment of Card Rewards in Pakistan
Pakistan's tax treatment of crypto is evolving. The FBR (Federal Board of Revenue) has proposed taxing crypto under income tax provisions. Current income tax rates are progressive up to 35%. Capital gains tax on securities is 15% (for holding over 1 year) to 20% (for shorter).
Example: If taxed as income: You earned PKR 500,000 gain. Tax = up to PKR 175,000 (35%). If taxed as capital gains: PKR 75,000-100,000 (15-20%).
Formal crypto tax guidance from FBR is limited. The ambiguity means many users do not report crypto gains. Compliance is recommended as regulation develops.
| Cashback Type | When Received | When Spent via Card | Total Tax Burden |
|---|---|---|---|
| BTC cashback (if income) | Up to 35% | Up to 35% | Varies |
| BTC cashback (if CGT) | 15-20% | 15-20% | Varies |
| USDC cashback | ~0% | ~0% | ~0% |
USDC funding recommended given the ambiguous and potentially high tax rates. Consult a local tax advisor.
How to Apply from Pakistan
Pakistani crypto card applications require a CNIC (Computerized National Identity Card, 13 digits) issued by NADRA, or passport for citizens. Overseas Pakistanis can use NICOP (National Identity Card for Overseas Pakistanis). Foreign residents need a passport.
The CNIC number is the primary identifier. Proof of address via utility bill (WAPDA/K-Electric electricity, Sui Gas), bank statement (HBL, UBL, MCB), or rental agreement.
Physical cards ship to Pakistani addresses within 21-30 business days. Virtual cards are available immediately and are the most practical option for quick access.
Spending Tips for Pakistan
FX Savings and Currency Hedging
Pakistani banks charge 3-7% FX markup on international transactions. PKR has experienced significant depreciation. Crypto cards with zero FX fees provide massive savings and stablecoin holdings hedge against further PKR weakness.
Card Selection by Use Case
- KAST (2% cashback, free): Best no-fee starter
- RedotPay (0%, free): Best for pure stablecoin spending
- Crypto.com (up to 5%): Best metal tier range
- MetaMask (1%, free): Best self-custody Mastercard
Spending Scenario: PKR 50,000/month (~$180)
| Funding Method | Annual Spend | Cashback (2%) | Est. Tax | Net Cashback |
|---|---|---|---|---|
| BTC (appreciated) | PKR 600,000 | PKR 12,000 | Varies | PKR 12,000 max |
| USDC (stablecoin) | PKR 600,000 | PKR 12,000 | ~PKR 0 | PKR 12,000 |
Plus FX savings of 3-7% on international transactions - often worth more than the cashback.
Freelancer and Remittance Use Case
Pakistan's large freelancer community (Upwork, Fiverr) and diaspora ($30B+ annual remittances) can benefit from crypto as a payment rail. Receiving payments in USDC and spending via card avoids multiple FX conversion steps.
Local Payment Infrastructure
Card acceptance is growing: shopping malls (Dolmen Mall, Centaurus, Emporium), supermarkets (Imtiaz, Chase Up, Al-Fatah), restaurants, and hotels in Karachi, Lahore, Islamabad, and Rawalpindi accept Visa/Mastercard. Mobile wallets (JazzCash, Easypaisa) are more widely used than cards. Cash dominates at bazaars and smaller shops.
Supported Exchanges & Wallets in Pakistan
Global issuers: Crypto.com (up to 5%), KAST (2%), Wirex (up to 8%), and RedotPay may serve Pakistani residents under global coverage. MetaMask (1%) offers self-custody spending.
Local/regional: Binance P2P is the most popular crypto on-ramp in Pakistan, supporting PKR pairs. LocalBitcoins (legacy), Paxful, and other P2P platforms serve the market. Rain (Bahrain-based) may be accessible.
ether.fi (3%, credit-based) offers a borrow-to-spend model. Given Pakistan's tax ambiguity, staking ETH while spending borrowed funds provides additional yield.
Pakistan's top-10 global crypto adoption and $30B remittance market drive strong demand for crypto financial products.
Frequently Asked Questions
Is crypto legal in Pakistan?
Pakistan's regulatory stance is evolving. Banks are restricted from crypto transactions (2018 SBP ban), but individual ownership is widespread. The SECP and FBR are developing regulatory frameworks. P2P platforms are the primary on-ramp.
Which crypto card is best for Pakistan?
KAST K Card: 2% cashback, zero fees. More importantly, zero FX fees save 3-7% versus Pakistani bank cards on international purchases. Stablecoin funding hedges against PKR depreciation.
Can freelancers use crypto cards in Pakistan?
Yes. Pakistani freelancers can receive crypto/stablecoin payments and spend via card, avoiding multiple FX conversion steps. This is particularly valuable for Upwork/Fiverr earnings where traditional withdrawal methods charge fees.
How does PKR depreciation affect crypto card value?
Stablecoin-funded crypto cards maintain USD purchasing power regardless of PKR movements. If PKR drops 10%, your USDC balance effectively gains 10% in PKR terms. This hedging benefit often exceeds the cashback value.