CASHBACK
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VIRTUAL CARD
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APPLE PAY
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Our Official Verdict
Pudgy Penguins Luxe: 12% Cashback - KAST's Highest Rate
The KAST Pengu Luxe Card delivers 12% cashback - the highest rate in the entire KAST ecosystem. Pricing is not yet confirmed - check the KAST app for current availability.
Fees & Charges
Annual Fee
TBD
FX Fee
TBD
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USDC, USDT
KAST Pengu Luxe Card Review
The KAST Pengu Luxe Card is a co-branded Visa with Pudgy Penguins offering 12% cashback on all purchases - the highest rewards rate in the KAST ecosystem.
12% Cashback: The Highest in KAST
The KAST Pengu Luxe Card is the top tier of the Pudgy Penguins collaboration. At 12% cashback on every purchase, it delivers the highest rewards rate in the entire KAST ecosystem - 50% more than the Solana Gold's 8% Season 5 points, and as guaranteed cashback rather than speculative pre-TGE points.
Pricing for the Luxe Pengu tier has not been publicly confirmed. The card launches virtual-first with Apple Pay and Google Pay at 150M+ Visa merchants in 170+ countries.
Pengu Luxe vs KAST's Existing Luxe
| Feature | Pengu Luxe | Solana Gold (Luxe) | Solana Solid Gold (Luxe) |
|---|---|---|---|
| Annual fee | TBD | $10,000 | $10,000 (invite-only) |
| Rewards rate | 12% cashback | 8% points | 8% points |
| Rewards type | Cashback (guaranteed) | Points (speculative) | Points (speculative) |
| Card material | Virtual first | 24K gold plated | 37g solid gold |
| SOL staking | TBD | 1x | 1x |
| VIP concierge | TBD | Yes | Yes |
The Pengu Luxe's 12% guaranteed cashback is 50% higher than the existing Luxe tier's 8% points. Even if the Pengu Luxe costs $10,000/yr, the higher cashback rate means a break-even of $83,333/yr ($6,944/mo) versus the Solana Gold's $125,000/yr ($10,417/mo).
Spending and Mechanics
- Network: Visa (150M+ merchants worldwide)
- Regions: 170+ countries, 18+ local currencies
- Assets: USDC, USDT, cash, or cryptocurrency deposits
- Card format: Virtual first (Apple Pay, Google Pay), physical coming later
- KYC: Required (KAST account with identity verification)
Fee Analysis
- Annual fee: Not yet published
- FX/ATM fees: Not yet published
- Spending/ATM limits: Not yet published
Without confirmed pricing, break-even depends on the annual fee: break-even = annual fee / 0.12.
ROI Scenarios (Hypothetical)
| If Annual Fee Is... | Break-Even Spend | Monthly Target |
|---|---|---|
| $1,000 | $8,333/yr | $694/mo |
| $2,500 | $20,833/yr | $1,736/mo |
| $5,000 | $41,667/yr | $3,472/mo |
| $10,000 | $83,333/yr | $6,944/mo |
Even at $10,000/yr (matching existing Luxe pricing), the 12% rate breaks even $41,667 earlier annually than the Solana Gold's 8%.
Market Context: 12% in Perspective
Few crypto cards offer double-digit cashback rates:
| Card | Cashback | Annual Cost | Type |
|---|---|---|---|
| KAST Pengu Luxe | 12% | TBD | Guaranteed cashback |
| Bybit Supreme | Up to 10% | $0 | Tied to trading volume |
| KAST Solana Gold | 8% points | $10,000/yr | Speculative (pre-TGE) |
| Crypto.com Obsidian | 5% | $0 ($400K CRO stake) | Guaranteed |
The Pengu Luxe's 12% is the highest flat cashback rate we have tracked across any crypto card, though the specifics of the cashback denomination (PENGU tokens, fiat, or stablecoin) remain unconfirmed.
Verdict
The KAST Pengu Luxe Card's 12% cashback is unprecedented in the crypto card space. The unknown pricing is the only variable. For cost-conscious users, the Pengu Card (6%, free) or Pengu Premium (8%) offer strong alternatives. If you can hit the break-even threshold on the Luxe tier, no other crypto card delivers more cashback per dollar spent.
Best for: High-volume spenders who want the absolute highest cashback rate available in crypto cards. Look elsewhere if: You need confirmed pricing before committing, or prefer guaranteed stablecoin cashback from ether.fi or Nexo.
Fees and break-even math
Annual fee: TBD. At 12% cashback, break-even = annual fee / 0.12. If priced at $10,000/yr (matching existing Luxe): break-even at $83,333/yr ($6,944/mo). FX/ATM fees and spending limits not yet published.
Competitor comparison
- Bybit Supreme: Up to 10% cashback, $0 annual. Closest competitor by rate but tied to trading volume.
- KAST Solana Gold: 8% points, $10,000/yr. Lower rate, speculative, but includes 24K gold card + VIP concierge.
- Crypto.com Obsidian: 5% cashback, $400K CRO stake. Lower rate but established ecosystem with lounge access.
Sources
This is a prepaid card. Merchants that require pre-authorization holds (gas stations, hotels, car rentals, toll booths) may decline it. Fund only what you plan to spend.
Your funds are held by KAST. If the provider faces insolvency, your balance may be at risk. This card does not offer self-custody protection.
Fees shown above are the card's disclosed fees. Additional costs may apply: Visa/Mastercard network spread (typically 0.5-0.9%), crypto-to-fiat conversion spread at point of sale, and blockchain gas fees for on-chain top-ups.
Last verified: Feb 12, 2026 · Data sourced from official KAST documentation. · Methodology
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