Kem Infinity Card
by Kemfinity s.r.o.
The Kem Infinity Card is a digital-only crypto debit card for spending stablecoins via Apple Pay and Google Pay. Instant free setup with no minimum balance. Homepage markets 2% cashback in Tether Gold plus merchant cashback up to 5%. FAQ: 1% transaction fee on all purchases. Digital cards only. Per Kem's Card Terms, the card program is provided by Kemfinity s.r.o. and the card is issued by Third National under a Visa licence (a separate Interlace Spend Card Terms document also exists); the kemapp.io website is owned by KEM TECHNOLOGIES HOLDING Ltd (Abu Dhabi Global Market, company no. 000008598). The Card Terms say the card is intended for those outside the United States; Kem's Prohibitions list (15 Dec 2025) names 17 countries where Kem cards cannot be issued.
Unique Features
- Overdraft feature backed by crypto assets
- Integration with Ethena for savings yield
Pros
- No monthly or activation fees
- Instant digital issuance
- Apple Pay & Google Pay compatible
- Earn yield on savings (separate from card)
Cons
- 1% fee on all transactions
- No physical card available
- Card Terms: FX fee (non-USD) up to 3% and cross-border fee up to 3%
- Rewards mix base XAUT cashback and merchant category rates
Integrations & Tech
Available In (1)
Not Available In (19)
Fee Structure
Detailed Fee Structure
1% transaction fee on all purchases (Kem cards FAQ); Card Terms add an FX fee (non-USD) of up to 3% and a cross-border fee of up to 3%
Detailed Limits
Overdraft limits determined by fair-market value of assets
Fee Details
1% transaction fee on all purchases (FAQ). Cards free for all / no issuance or monthly fee (homepage + FAQ). No public FX % on FAQ or homepage this verify — prior OCC 3% FX removed. Card Terms (https://kemapp.io/en/policies/card-terms, effective 30/03/2026) list a Foreign Exchange Fee (non-USD) of up to 3%, a Cross Border Fee of up to 3%, late payment up to $40 and returned payment up to $29 (section 6.1 says $0.10); 0% APR. The cards FAQ still gives a flat 1% transaction fee; the Card Terms (legal doc) win where they conflict.
Limits & Conditions
Specific spending limits are not publicly detailed, but overdraft limits are determined by the fair-market value of assets held on the platform.
Crypto Capabilities
Security & Custody
Supported Assets
