Plasma One vs SafePal Mastercard
Plasma One scores 10/16, SafePal Mastercard scores 8/16 on the CBL Card Score. Here is every criterion side by side.
 Plasma One |  SafePal Mastercard | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 1 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 1 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 | 1 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 10 | 8 |
The short verdict: Plasma One leads overall (10 to 8). Self-custodial; keys held via Privy, 1% markup plus Visa fee on Lite FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 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). |
| 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.