Avici Card vs Karma Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Avici Card scores higher overall (8.8 vs 8.5), but the better pick depends on what you need.
Avici Card
by Avici
8.8editor score 8.5/10
Pick Avici if you want a card that
- ✓works with Apple Pay
- ✓works with Google Pay
- ✓supports more coins
Side by side
| Avici | Karma | |
|---|---|---|
| Editor score | 8.8/10Better | 8.5/10 |
| User rating | 8.5/10 | Not rated |
| ID check | ID verification | ID verification |
| Card fee | $15.00 | FreeBetter |
| Monthly fee | Free | Free |
| Top-up fee | Free | Not listed |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual | Virtual |
| Network | Visa | Visa |
| Apple Pay | YesBetter | No |
| Google Pay | YesBetter | No |
| Coins | 4Better | 2 |
Avici: pros and cons
- +Self-custodial, with collateral in an escrow contract only your wallet controls
- +$15 one-time for the first virtual card and no monthly fee
- +0% FX markup and no top-up or transaction fees
- +Supports Apple Pay and Google Pay
- −An August 2026 exploit drained Solana card balances, though Avici refunded users in full
- −Platinum ATM withdrawals cost $1 + 0.65%
- −Disputes carry a non-refundable $35 fee
- −No cashback or spending rewards
Karma: pros and cons
- +Self-custody with real IBANs and routing numbers
- +Fast Solana wallet with instant settlement
- +Real-time FX and no hidden fees
- +Euros and crypto managed in one place
- −Newer platform with little track record
- −Mostly Solana-focused, with limited multi-chain support
- −Focused on Europe and the SEPA region
- −Assumes some understanding of crypto banking
Questions
Is Avici Card or Karma Card better?
Avici Card has the higher editor score (8.8/10). Avici works with Apple Pay, works with Google Pay and supports more coins. Karma cheaper to open.
Which is cheaper, Avici or Karma?
Avici charges $15.00 to open and free per top-up. Karma charges free to open and an unlisted fee per top-up. The top-up fee matters most if you load larger amounts.
Do Avici and Karma require KYC?
Avici: yes, id verification. Karma: yes, id verification.
Do Avici and Karma work with Apple Pay?
Avici works with Apple Pay and Karma does not work with Apple Pay.