Available in 9 issuer markets only: Australia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam. Mainland China is not on the supported list. The terms also list the United States, Cuba, Iran, North Korea, Syria, Russia, and the Crimea, Donetsk and Luhansk regions of Ukraine as restricted jurisdictions, and prohibit using a VPN or proxy to disguise your location.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No issuance or monthly fee; 0% conversion fee on USDC / USDT top-ups; 1.8% FX fee on non-USD spending (no extra fee on USD spending); daily spending limit up to $50,000.
- Debit / Deduction Model
- A combination of a non-custodial wallet and a prepaid card: USDC or USDT moves from the Kite wallet into a separate card balance and converts to dollars at a 0% conversion fee; card spending draws from that balance, while the user controls the wallet’s private keys.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. KYC is completed in the Kite app: a government-issued ID, a selfie or liveness check, and proof of address. The terms state that biometric checks are handled by Sumsub and that ID and selfie records are kept for seven years after the business relationship ends. Applicants must be at least 18 and live in one of the nine supported countries.
- Officially supported countries and regions
- Available in 9 issuer markets only: Australia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam. Mainland China is not on the supported list. The terms also list the United States, Cuba, Iran, North Korea, Syria, Russia, and the Crimea, Donetsk and Luhansk regions of Ukraine as restricted jurisdictions, and prohibit using a VPN or proxy to disguise your location.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (the official card face is marked Visa Platinum)
- Issuer Arrangement / Payment Rails
- Not published; issued through licensed third-party partners. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The official help centre provides a step-by-step guide to adding the Kite card to Apple Pay; virtual cards must be entered manually. Adding the card is free, and availability still depends on Apple Pay support in your country or region.
- Overseas AI Subscriptions
- The official offers page includes "eligible AI subscriptions" in its 5% cashback campaign (through 2026-11-30) but does not name specific services; actual charges still depend on whether the merchant gateway accepts the card.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- There is no fixed base cashback on ordinary spending. Until 2026-11-30 the official offers page pays 5% at selected merchants — travel on Travala, rides on Grab, streaming services including Netflix and YouTube Premium, Starlink, productivity tools including Figma and LinkedIn Premium, and "eligible AI subscriptions" — with monthly or per-transaction caps on some offers.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Funding, balance and spending path
- The card balance is separate from the Kite wallet balance: USDC or USDT moves from the wallet to the card at a 0% conversion fee and becomes dollars, and only the card balance can be spent. The wallet is non-custodial; the issuer says it does not hold, store or have access to users’ private keys. [3]
- Fees and spending limits
- Issuance, the annual fee, the virtual card and replacement cards are all $0. Spending in US dollars carries no extra fee; spending in other currencies incurs a 1.8% FX fee. Limits are $50,000 or 50 transactions per day and $990,000 or 1,040 transactions per year, whichever comes first, with the daily limit resetting at midnight UTC+8. Unsettled pending transactions also count against the limits. [3]
- Eligibility and KYC
- Applications are open only in nine markets: Australia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam. Applicants must be at least 18 and complete identity verification in the app; the terms list a government-issued ID, a selfie or liveness check and proof of address, with biometric checks handled by Sumsub. [2] [4]
- Virtual card only; physical card and ATM withdrawals not yet available
- The official product page lists both the physical card and ATM withdrawals as "coming soon". Only a virtual card is issued today, and it can be added to Apple Pay and Google Wallet but cannot be used for cash withdrawals. [1] [2]
- Card face, network and issuing entity
- The official card face is marked Visa Platinum, and the product page says the card can be used anywhere Visa is accepted, covering more than 150 million merchants in over 180 countries. The issuer and the card BIN are not published. [1] [4]
- Corporate entity and regulatory position
- The contracting party in the terms is Kite App Limited, registered in Hong Kong (company number 78561804). The issuer states that Kite is not a bank, exchange or custodian, and that fiat and card services are provided by licensed third-party partners. [4]
- 0% top-up conversion and a $50,000 daily limit
- The official Fees & Limits page lists a 0% conversion fee for USDC or USDT top-ups, no extra fee on USD spending and a 1.8% FX fee on non-USD spending; the daily limit is $50,000 or 50 transactions, whichever comes first. The earlier 0.53% top-up fee had no basis on that page and has been withdrawn. [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Platinum
- Issuer arrangement / BIN
- Not published; issued through licensed third-party partners. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The official help centre provides a step-by-step guide to adding the Kite card to Apple Pay; virtual cards must be entered manually. Adding the card is free, and availability still depends on Apple Pay support in your country or region.
- Google Pay
- ✅ Explicitly stated in official materials: The official help centre provides a step-by-step guide to adding the card to Google Wallet; a card can be linked to only one Google account at a time, and Google Wallet must be available in your country or region.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: The official offers page includes "eligible AI subscriptions" in its 5% cashback campaign (through 2026-11-30) but does not name specific services; actual charges still depend on whether the merchant gateway accepts the card.
Compatibility information for this card was verified on 2026-10-30 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Kite: Stablecoin Finance (Kite App Limited)
- Web Portal Support
- Mobile App Only — No web portal: official website kiteapp.xyz provides only product overview and Help Center, with the 'Get started' button (kiteapp.onelink.me/gtNZ/web) redirecting directly to the App Store; registration, KYC verification, card issuance, top-ups, and private key export are handled entirely within the iOS/Android apps.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: Macau, Indonesia, Türkiye, UK, Germany, France, Spain, Italy, Netherlands, Switzerland
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Kite App Limited (Hong Kong entity, CR No. 78561804) privacy policy (2026-08-11) outlines rights to access, rectification, erasure (subject to statutory retention and blockchain data permanence), portability, consent withdrawal, and human review of automated decisions, with Clause 3B adding restriction of processing and objection to processing based on legitimate interests, with requests generally answered within 30 days; Hong Kong residents may submit data access and correction requests under the Personal Data (Privacy) Ordinance (PDPO) with a 40-day response window, accompanied by a Personal Information Collection Statement (PICS); lawful bases cover contractual necessity, legal obligations, explicit consent, and legitimate interests, without explicit references to GDPR, EU/UK rights, or supervisory complaints; KYC is processed via Sumsub (including facial geometry biometrics under explicit consent); declares personal data is not sold and may be transferred across borders, with breach notifications issued within 72 hours where legally required; card-related data is shared with issuing partner DCS Card Centre (Singapore) under its privacy policy (Singapore PDPA); on-chain transaction data remains permanently public and cannot be erased.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Account and profile data retained for 1 year after closure; KYC identity documents and selfies retained for 7 years following end of business relationship, and transaction records for 7 years (AML regulatory requirements); customer support logs retained for 3 years; usage and device telemetry up to 2 years; marketing preferences until consent withdrawal or closure; facial geometry templates processed by Sumsub with unspecified retention period; on-chain blockchain records retained permanently.
- App Store Privacy Label
- Data Not Used to Track You; Data Linked to You: 6 categories; Data Not Linked to You: 1 category
- Google Play Data Safety
- Shared: App info & performance, Financial info, Personal info; Collected: 6 categories; Deletion can be requested; Data is encrypted in transit
- Account Deletion Flow
-
Account deletion requires emailing care@kiteapp.xyz (Privacy Policy Section 11, Terms Section 17); upon identity verification the account is closed and personal data erased or anonymized (excluding statutory AML archives; on-chain data cannot be deleted); all assets must be withdrawn prior to request as post-closure withdrawals may be unavailable; virtual card can be terminated in-app; non-custodial wallet private keys can be exported via More > Security & Privacy > Show Private Key; Help Center provides no in-app account deletion guide; Google Play badges account deletion request support.
Verified on 2026-10-16. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why this profile is grouped with on-chain and self-custody cards
The Kite wallet is non-custodial, and the issuer says it does not hold user private keys; the card spends a separate US-dollar balance funded from that wallet. Unlike exchange cards, Kite does not custody on-chain assets, but at the card layer a licensed partner still performs fiat clearing and identity verification. [1] [4]
The 5% cashback is a time-limited campaign, not a base rate
The 5% cashback on the official offers page covers selected merchants in travel, ride-hailing, streaming, Starlink and productivity tools, mostly valid until 2026-11-30, and some offers carry monthly or per-transaction caps. The page publishes no fixed base cashback rate for ordinary spending. Treating a campaign rate as a standing rate overstates the real return. [7]
Geographic and compliance boundaries
The official countries page lists only the nine issuer markets and states "Nine countries today, more on the way". The terms list the United States, Cuba, Iran, North Korea, Syria, Russia, and the Crimea, Donetsk and Luhansk regions of Ukraine as restricted jurisdictions, and prohibit disguising your location with a VPN or proxy. Mainland China is not among the nine issuer markets. [2] [4]
Frequently asked questions
Can I apply for the Kite Card now?
Yes, but only in the nine issuer markets: Australia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam. Applicants must be at least 18 and complete KYC in the Kite app before requesting the card on the Card page.
Does the Kite Card support Apple Pay and Google Pay?
Both are supported. The official help centre has step-by-step guides for adding the card to Apple Pay and Google Wallet. Virtual cards must be entered manually, adding the card is free, and availability still depends on wallet support in your country or region.
Is there a physical Kite Card? Can it withdraw cash at an ATM?
Not today. The official product page and eligibility article both mark the physical card and ATM withdrawals as "coming soon"; only a virtual card is issued at present.
What fees does the Kite Card charge?
Issuance, annual fee, virtual card and replacement card are all $0; USDC/USDT top-up conversion is 0%, USD spending has no extra fee, and non-USD spending carries a 1.8% FX fee.
Is the Kite wallet self-custodial?
Yes. The issuer describes Kite as a non-custodial wallet that does not hold, store or have access to user private keys, and says users are solely responsible for safeguarding their keys. Card spending uses a separately funded card balance rather than drawing directly on on-chain assets.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Kite Card on X; search results may change over time.
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