Karta vs SafePal Mastercard
Karta scores 9/16, SafePal Mastercard scores 8/16 on the CBL Card Score. Here is every criterion side by side.
 Karta |  SafePal Mastercard | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 1 of 2 |
| Funding cost | 0 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 | 0 of 2 | 0 of 2 |
| Total | 9 | 8 |
The short verdict: Karta leads overall (9 to 8). Per-user Fireblocks wallet; self-custody claim unverified, 1% Visa fee on non-USD spend FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 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). |
| SafePal Mastercard | None found on any official SafePal or Fiat24 page (checked 20 Oct 2026). Referral commissions of up to 40% of referred users' top-up fees, depending on the referrer's tier (official, safepal.com/en/bank). |
Cashback is shown as a dated fact and never scored.