Bitpanda Card vs Bitrefill Card
Bitpanda Card scores 11/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Bitpanda Card |  Bitrefill Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 11 | 6 |
The short verdict: Bitpanda Card leads overall (11 to 6). Custodial; crypto segregated under MiCA, 0% from Bitpanda; Visa rate applies FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Bitpanda Card | "All users receive a flat 1% cashback on eligible purchases paid with cryptocurrencies", paid in the same crypto (official, help centre FAQ, checked 20 Oct 2026). Purchases funded by EUR, precious metals, stocks or stablecoins (USDT, USDC, EUROCV) earn nothing (official). The card page metadata still reads "up to 2%", a leftover from the earlier BEST VIP scheme (official, checked 20 Oct 2026). |
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
Cashback is shown as a dated fact and never scored.