CryptoCardsPerks
Bitsa Card
4.4/10
Ranked #75 of 76
Overview
The NAGA Pay Card is a fiat-only crypto card aimed primarily at users in Europe. It runs on the Visa network, so it's accepted anywhere Visa is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #75 of 76 cards, with an overall score of 4.2 out of 10.
★ NAGA Pay Card referral code
NAGAPA9093
New users who sign up with this code typically get a sign-up bonus once you complete your first eligible purchase. Rewards vary by region and are set by NAGA Pay Card.
Rating breakdown
How the NAGA Pay Card scores across the categories we weigh into its overall 4.2/10.
Fees & value4.5
Rewards4.5
Ease of use4.2
Security & custody4.0
Availability4.0
Cashback & rewards
Spending on the NAGA Pay Card earns cashback, starting around 3% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter | No stake required | 3% | ~30 / month |
| Plus | Token stake or paid plan | 5% | ~100 / month |
| Premium | Higher stake / top tier | 8% | Higher or uncapped |
Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $1.99 |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0.5% |
| ATM withdrawals | Free up to 200/mo |
How to get the NAGA Pay Card
- Download the NAGA Pay Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code NAGAPA9093 during sign-up to claim any welcome perk.
- Top up your account with crypto or fiat, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Earns up to 3% cashback on eligible spending
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
Cons
- Crypto is converted by a third party, not held on-card
- Requires full KYC (government ID + selfie)
- Availability limited mainly to Europe
Who it's for
NAGA Pay Card suits people based in Europe who want a straightforward way to spend crypto without managing wallets directly. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the NAGA Pay Card offer cashback?
Yes. The NAGA Pay Card pays cashback starting around 3% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the NAGA Pay Card available in my country?
The NAGA Pay Card is primarily available in Europe. Check the provider's site for the current list of supported countries.
Does the NAGA Pay Card require KYC?
Yes. The NAGA Pay Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the NAGA Pay Card custodial or non-custodial?
The NAGA Pay Card is fiat-only: a third-party service converts your crypto to fiat, rather than holding crypto on the card.
What network does the NAGA Pay Card run on?
The NAGA Pay Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.