SavePay Card vs Karta
SavePay Card scores 9/16, Karta scores 9/16 on the CBL Card Score. Here is every criterion side by side.
 SavePay Card |  Karta | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 2 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 1 of 2 | 2 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 9 | 9 |
The short verdict: SavePay Card leads overall (9 to 9). Tokenised deposit in own wallet; Fiat24 can block, uSD from USD balance, free exchange FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| SavePay Card | None found (official docs; third-party: coincodecap, 24 Feb 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). |
Cashback is shown as a dated fact and never scored.