Bitpanda Card vs Plasma One
Bitpanda Card scores 11/16, Plasma One scores 10/16 on the CBL Card Score. Here is every criterion side by side.
 Bitpanda Card |  Plasma One | |
|---|---|---|
| Custody | 1 of 2 | 2 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 0 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 2 of 2 |
| Total | 11 | 10 |
The short verdict: Bitpanda Card leads overall (11 to 10). 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). |
| Plasma One | Paid in XPL. Lite 2% headline, laddered by spend band in the help centre. Core 3% on the first $1,000 a month, 2% on the next $1,000, 1% on the next $1,000, 0.25% after that, plus 5% on AI subscriptions up to $500 a month. Platinum 4% on the first $3,000, 3% on the next $7,000, 2% on the next $5,000, 1% after that, plus 10% on AI spend and on eligible flights up to $600 a year (official, tier pages and rewards addendum, checked 20 Oct 2026). "Rates are variable and subject to change" (official). |
Cashback is shown as a dated fact and never scored.