What fees apply when I'm using my OKX Card?

Published on 3 June 2026Updated on 10 Aug 20262 min read

For OKX Pay and OKX Card, read the applicable PDS, FSG, TMD, and Cashback Reward Program Terms available here or by contacting OKX Help Centre. You should read these documents in full before making any decision about these products.

Below is a full breakdown of the fees that may apply when using your OKX Card.

Any applicable fees are listed below:

	Category	Rates	Notes
Spending your crypto	FX Fee (AUD)	0%	OKX card settles in AUD
	FX Fee (non-AUD)	0%	On top of Mastercard's FX rates
	Crypto → Fiat Conversion USDC/G/T → AUD	0.1%	Spread for converting crypto to fiat
Getting an OKX Card	Issuance Fee	A$0	Virtual card only
	Monthly / Annual Fee	A$0
	Inactivity Fee	A$0

Where currency conversion is required, Mastercard® exchange rates and applicable Mastercard® foreign exchange spread may apply, together with an OKX conversion spread. See the OKX Card product documentation for full fee details.

Important: The 0.1% conversion spread listed above for USDC/G/T to AUD conversion applies each time a conversion occurs (including at the point of sale). This spread is in addition to any Mastercard® exchange rate that applies to non-AUD transactions. The total cost of a transaction may therefore include both the Mastercard® exchange rate (which fluctuates) and the OKX conversion spread.

Stablecoin risk: Your OKX Card is funded by stablecoins held in your OKX Pay account. While stablecoins are designed to maintain a stable value relative to a reference currency, they are not guaranteed by any government or deposit insurance scheme. Stablecoins are not equivalent to holding fiat currency in a regulated deposit-taking institution.

Complaints and dispute resolution: If you have a complaint about your OKX Card or OKX Pay, contact OKX Help Centre at www.okx.com/en-au. OKX Help Centre handles complaints on behalf of Bano Pty Ltd (the product issuer and AFSL holder)(AFCA Member Number 78414). If your complaint is not resolved to your satisfaction, you may escalate it to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or by calling 1800 931 678. For full details of OKX's complaints handling process, refer to the PDS.

Disclaimer

OKX Pay Wallet and OKX Card are issued by Bano Pty Ltd (ABN 93 643 260 431, AFSL 536984), with OKX Australia Pty Ltd acting as distributor and authorised representative of Bano Pty Ltd in relation to those products. The Issuer is not a subscriber to the ePayments Code. This information is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for your circumstances and seek professional advice before making any decision. Digital assets are volatile and carry a high level of risk; you may lose some or all of your investment. Before acquiring or continuing to use the OKX Card, you should obtain and consider the Target Market Determination (TMD) to understand whether this product is likely to be consistent with your objectives, financial situation and needs. This document is intended for consumers within the target market described in the TMD. If you are outside the target market, this product may not be appropriate for you.

The cashback program is a promotional incentive offered in connection with the OKX Card. You should not acquire or continue to hold the OKX Card solely because of the cashback program. Consider the product as a whole, including its risks, fees, and features, before making any decision.