SafePal Mastercard vs Bitrefill Card
SafePal Mastercard scores 8/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 SafePal Mastercard |  Bitrefill Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 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 | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 8 | 6 |
The short verdict: SafePal Mastercard leads overall (8 to 6). Cash tokens in your wallet; fiat with Fiat24, 1% on non-USD settlement FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 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). |
| 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 Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ).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.