Ethena Pay vs Bitrefill Card
Ethena Pay scores 10/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Ethena Pay |  Bitrefill Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 1 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 10 | 6 |
The short verdict: Ethena Pay leads overall (10 to 6). Self-custodial; user holds the keys, about 1% network fee, no markup FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Ethena Pay | Paid in AVAX once daily after settlement, by monthly spend band. Standard 4% on the first $2,500, 1% to $4,000, nothing above. Pro 4.5% on the first $8,000, 2% to $10,000, 1% to $12,000, 0.5% above. VIP 5% on the first $20,000, 2% to $30,000, 1% to $40,000, 0.5% above. Minimum qualifying transaction $1; reversed on refunds or chargebacks (official, pricing page, updated 30 Sep 2026; FAQ). |
| 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 Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ).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.