What's OKX Card?

Published on 30 July 2026Updated on 30 July 20263 min read

For OKX Pay and OKX Card, read the applicable PDS, FSG, TMD, and Cashback Reward Program Terms available here or by contacting OKX Help Centre. You should read these documents in full before making any decision about these products.

What is the OKX Card?

The OKX Card is an international payment card (Visa or Mastercard®, depending on your region) that lets you pay for purchases and services worldwide where Mastercard® is accepted. It connects directly to your OKX Pay account, so you can spend your balance seamlessly.

Note: the OKX Card is a virtual card only. Physical cards are not issued.

What's OKX Pay and how does it work with the OKX Card?

OKX Pay is a digital dollar account built into the OKX app. With OKX Pay, you can:

  • Spend, and send money globally

  • Earn rewards on your account balance

  • Pay directly using your OKX Card from your available funds

Everything is managed in one app.

Stablecoin risk: Your OKX Pay balance is held in stablecoins (USDG). While stablecoins are designed to maintain a stable value relative to a reference currency, they are not guaranteed by any government or deposit insurance scheme. Stablecoins are not equivalent to holding fiat currency in a regulated deposit-taking institution.

How can the OKX Card help me save on international travel?

The OKX Card is designed to reduce common travel costs:

  • Spend directly from a stablecoin balance

  • Smart top-ups that aren't treated as traditional currency exchange

  • Transparent fees when paying abroad


Important: While the OKX Card may reduce certain costs compared to traditional currency exchange, you remain exposed to stablecoin-to-fiat conversion rates and Mastercard network exchange rates when spending internationally. “Smart top-ups” involve the conversion of stablecoins to fiat currency and are subject to a conversion spread.

Where can I use the OKX Card?

You can use the OKX Card anywhere Mastercard® is accepted:

  • Physical stores while traveling

  • Hotels, restaurants, and airline bookings

  • International websites and online services

The OKX Card also supports Apple Pay and Google Pay for contactless payments.

Complaints and dispute resolution: If you have a complaint about your OKX Card or OKX Pay, contact OKX Help Centre at www.okx.com/en-au. OKX Help Centre handles complaints on behalf of Bano Pty Ltd (the product issuer and AFSL holder)(AFCA Member Number 78414). If your complaint is not resolved to your satisfaction, you may escalate it to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or by calling 1800 931 678. For full details of OKX's complaints handling process, refer to the PDS.

OKX Pay Wallet and OKX Card are issued by Bano Pty Ltd (ABN 93 643 260 431, AFSL 536984), with OKX Australia Pty Ltd acting as distributor and authorised representative of Bano Pty Ltd in relation to those products. The Issuer is not a subscriber to the ePayments Code. This information is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for your circumstances and seek professional advice before making any decision. Digital assets are volatile and carry a high level of risk; you may lose some or all of your investment. Before acquiring or continuing to use the OKX Card, you should obtain and consider the Target Market Determination (TMD) to understand whether this product is likely to be consistent with your objectives, financial situation and needs. This document is intended for consumers within the target market described in the TMD. If you are outside the target market, this product may not be appropriate for you.