Bitpanda Card vs Karta
Bitpanda Card scores 11/16, Karta scores 9/16 on the CBL Card Score. Here is every criterion side by side.
 Bitpanda Card |  Karta | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 2 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 11 | 9 |
The short verdict: Bitpanda Card leads overall (11 to 9). 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). |
| Karta | The homepage meta text claims "25% cashback on purchases", but the page body only describes earning from referred friends' spending and no rate on the cardholder's own purchases is published; the fees articles do not mention cashback (official, karta.io and help centre, checked 20 Oct 2026). |
Cashback is shown as a dated fact and never scored.