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Card comparison · August 2026

Kite vs RedotPay

A free Visa debit card, 0.53% to load it, and a wallet only you can open. RedotPay charges $10 for a virtual card and 1.00% to convert your crypto.

Get the Kite app See the full comparison

What it costs to get money on the cardKiteRedotPay

Card costFree$10 - $100

Cost to load0.53%1.00%

Non-USD spend1.8%1.20%

Who holds itYou doTheir partners

No card fees Virtual and physical 0.53% to load Non-custodial Gas covered 40+ countries for payments

The short answer

Kite vs RedotPay: the short answer

RedotPay charges $10 for a virtual card. The Kite Stable Card is free to issue, replace and keep.

Loading the card costs 1.00% on RedotPay and 0.53% on Kite.

RedotPay's 1.20% abroad beats our 1.8%. Over a year the card fee and the load fee still put Kite ahead.

RedotPay says your balance sits with licensed partners. On Kite it sits in a wallet only you can open.

Side by side

Kite vs RedotPay: fees and features compared

This compares the virtual card on each side, so the two columns are like for like. Every figure comes from RedotPay's own site and help centre on 31 August 2026, and from Kite's. Nothing here is estimated, and ATM withdrawals are left out because they need a physical card.

	kite	RedotPay
Card type	Visa debit card. The virtual card issues as soon as your checks clear	Virtual card. RedotPay says it works “at any merchant that accepts major card networks” and does not name the network in its help centre
Card issuance	Free. No fee to issue the virtual card, to replace it or to keep itKite	$10.00 to apply. Replacing it is $5 the first time, $10 after that
Monthly or annual fee	FreeKite	Waived
Cost to load the card	0.53%Kite	1.00% transaction fee, described as the cryptocurrency conversion fee
Spending in US dollars	No fee	Waived on default-currency transactions
Spending in another currency	1.8%	1.20% on non-default-currency transactions
Network gas fees	Covered, on every supported chainKite	Not covered
Who holds your money	Non-custodial. Multi-party encryption (TSS-MPC), export your key anytimeKite	Not described as non-custodial. “RedotPay is a fintech service provider and not a bank”; the wallet is provided by licensed financial institutions
Stablecoins and chains	USDC and USDT across Base, Ethereum, BSC, Polygon, Arbitrum	Stablecoins across major chains, plus a P2P marketplace for local currency
Where you can sign up	9 countries for the full card: Singapore, Philippines, Malaysia, Thailand, Vietnam, Japan, South Korea, Taiwan, Australia. Stablecoin payments, QR pay and the wallet in 40+ more across Asia Pacific, the Middle East, Africa and the Americas	Open in most countries, with a published blocklist of around 40 including mainland China, Russia and the United States
Card limits	$50,000 and 50 transactions a day, $990,000 a year	$100,000 a transaction, $1,000,000 a day
Cashback and rewards	Exclusive cashback drops on AI spends, conferences, and more.	Points and prize draws, no headline cashback rate
Apple Pay / Google Pay	Google Pay liveApple Pay Coming soon	Apple Pay. RedotPay lists Google Pay on physical cards only

Sources

The differences

Why people switch from RedotPay to Kite

You start free and load cheaper

RedotPay is $10 for the card and 1.00% on every top-up. Kite is free, and 0.53%.

Your keys, not somebody else's ledger

RedotPay says your balance sits with licensed partners. On Kite it sits in a wallet only you can open.

You do not pay the gas

Kite covers the network gas on every supported chain. Moving money onto RedotPay is on you.

Run your own numbers

Kite vs RedotPay: what a year costs you

Put in what you actually spend each month. Every rate below is the one RedotPay and Kite publish themselves, and you can change any assumption we made.

Monthly spend in US dollars

Monthly spend in other currencies

The Kite Stable Card is free to issue. Every card figure here is the virtual card on both sides. Each other card is priced on its virtual card and the plan shown above, so the comparison is like for like rather than against a stripped-back free tier. Every figure is that provider's own.

How this is worked out

Everything here is arithmetic on published rates. No estimates, no scores, and nothing that depends on a number we made up.

Rates. Taken from RedotPay's own fee page and Kite's, on 31 August 2026: RedotPay card limitations & fees · RedotPay unsupported countries and regions · What type of card is the RedotPay card?.
Loading. You have to load enough to cover both what you spend and the FX fee on it, and the load fee is charged on the amount you send rather than the amount that lands. Both are accounted for, so the load line is a little higher than a flat percentage of your spend.
Ranges. Where a provider publishes a range instead of a rate, the slider starts at the midpoint and you can move it anywhere inside the published range.
Rewards and cashback are excluded on both sides. Kite's are not live yet, and the other rates are capped, tiered, or paid in tokens whose value moves, so including them would mean estimating. That is the generous assumption for the other card, not for Kite. If rewards matter most to you, read each provider's own terms.
ATM withdrawals are excluded on both sides. Kite's are not live yet, and every provider here charges for them, so leaving them out is the generous assumption for the other card, not for Kite.
Network gas is excluded from the totals and shown as a line instead, because the amount depends which chain you use. Kite covers it; the others do not.
Which card. Kite issues its card free in either form, so there is nothing to choose on this side. Each other provider is priced on its virtual card and the plan named beside its total, and that price is shown in the tooltip on that line.
Year one. One-off card fees are counted once, in full, in the first year.

Change any assumption above and the totals move with it. What does not move is what the Kite Stable Card costs you to own: nothing to get it, nothing to replace it, nothing to keep it, gas covered, and keys only you hold.

Custody

Who holds your money with Kite and RedotPay

RedotPay states plainly that it is a fintech and not a bank, and that your balance sits with licensed financial institutions. With Kite it stays in a wallet only you can open, and you can export the key and walk away whenever you want.

No seed phrase to lose

Multi-party encryption

Your key is split, and never put together in one place. Not even on our servers.

One address, five chains

Base, Ethereum, BSC, Polygon and Arbitrum. Gas is on us.

Getting started

How to get your Kite Stable Card in 3 simple steps

Sign up and verify

Download the app and verify yourself in about two minutes. You need to be 18 or over and living in one of the nine countries Kite serves.

Get your free card

Your virtual Visa is issued instantly and you can order the physical card at the same time. Google Pay works today, and Apple Pay is coming soon.

No issuance or replacement fee

Load it and spend

Move USDC or USDT onto the card for 0.53%. It lands in five to ten minutes and you can spend it anywhere Visa is accepted.

Gas is covered

Questions

Questions about Kite and RedotPay, answered

What is the best alternative to RedotPay?

Kite. The Kite Stable Card costs nothing to issue, nothing to replace and nothing to keep, loading it costs 0.53%, and the gas is covered on every supported chain. The wallet is non-custodial, so your money stays in your hands rather than a provider's. You can sign up in nine countries across Asia Pacific: Singapore, the Philippines, Malaysia, Thailand, Vietnam, Japan, South Korea, Taiwan and Australia.

Is RedotPay safe and legit?

RedotPay is a real, operating Hong Kong fintech with a published fee schedule, a money-lender licence for its credit product and around 8 million users. It also states plainly that it is not a bank and that your balance sits with licensed financial institutions, which means you are trusting the provider and its partners to look after it. Kite removes that question entirely: the wallet is non-custodial, your key is split using multi-party encryption, and you can export it whenever you want.

How much does RedotPay charge per transaction?

Spending in the card's default currency is free. Anything in another currency costs 1.20%, and converting crypto onto the card costs 1.00%. Applying for a virtual card is $10.00, and replacing it is $5.00 the first time and $10.00 after. Small transactions under $1 cost $0.20 after the first five each month, and declined transactions $0.50 after the first three. With Kite you pay 0.53% to load and nothing at all on US dollar spends.

Is RedotPay available in the USA?

No. The United States is on RedotPay's own list of unsupported countries, so you cannot complete identity verification or open an account there. Kite is not available in the US either. Kite serves nine countries across Asia Pacific: Singapore, the Philippines, Malaysia, Thailand, Vietnam, Japan, South Korea, Taiwan and Australia.

Which country is RedotPay from?

RedotPay is based in Hong Kong and holds a Hong Kong money-lender licence for its credit product. Kite App Limited is registered in Hong Kong too, so on that count there is nothing between them. The difference is structural rather than geographic: RedotPay holds your balance through licensed partners, while a Kite balance sits in a wallet only you can open.

Is RedotPay cheaper than Kite?

Over a year, no. A RedotPay virtual card is $10 and its conversion fee is 1.00%, against a free card and 0.53% to load with Kite. On $200 a month of card spending that is about $13 a year with Kite against about $124 with RedotPay, and the gap widens every time you top up. The calculator above lets you put in your own numbers.