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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.
KEM INFINITY CARD
Kemfinity s.r.o.
Cashback
Up to 5%
Annual Fee
Free
Staking
None
5%
Max Cashback
Paid in XAUT
$0
Annual Fee
0
Premium Perks
Available Regions
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
- No public FX fee % on issuer FAQ/homepage
- Rewards mix base XAUT cashback and merchant category rates
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
Global availability (excluding sanctioned regions)
AvailableExcludedUnknown
Available In (1)
Global
Not Available In (9)
BelarusCubaIranMyanmarNorth KoreaRussia
Virtual Card
Available
Instant digital issuance.
Physical Card
Not Available
Fee Structure
Annual FeeFree
Monthly FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Detailed Fee Structure
FX Fee1% (1% transaction fee on all purchases + up to 3% FX)
1% transaction fee on all purchases + up to 3% FX
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.
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
Custody ModelCustodial
Wallet TypeExchange Account
InfrastructureRain / Interlace
Supported Assets
Chains
Ethereum
Tron
Tokens
USDT
USDe
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsHomepage rewards: 2% cashback in Tether Gold (XAUT) general, plus merchant cashback up to 5% (Talabat/Keeta/Noon 5%; Careem/Uber 3%; Qatar/Emirates/Etihad 3%). FAQ cards list no cashback %. Do not use the older podcast 3% Bitcoin cashback as the live max. 5.5% APY Ethena USDe savings is separate from card cashback.
