Zdravo. 😉
If you're from Serbia, here are 14 crypto cards that will accept your registration.
TLDR: No time to read everything? Skip down to the one best card we recommend for Serbia, based on all the analysis and criteria.
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USD
Apple Pay
up to 4% cashback
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USD
Apple Pay
up to 6% cashback
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USD
Apple Pay
up to 5% cashback
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USD
Apple Pay
1% cashback
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USD
Apple Pay
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USD
No Apple Pay
up to 1% cashback
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USD
Apple Pay
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EUR
Apple Pay
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USD
Apple Pay
up to 5% cashback
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USD
Apple Pay
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USD
No Apple Pay
2% cashback
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USD
Apple Pay
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USD
Apple Pay
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EUR
No Apple Pay
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![WhiteBIT Card [EU]](https://cryptonoshi.com/wp-content/uploads/WhitBITCard-2-540x345.png)
How Much Is the Foreign Exchange Fee to Use These Cards in Serbia?
Since these cards are denominated in USD or EUR, every time you spend in Serbia, your payment needs to be converted into Serbian Dinar first. Your card will charge an FX fee when converting to RSD.
Here's how they compare when it comes to foreign exchange (FX) fees.
* Visa and Mastercard charge around ~1% on top of the card's FX fee.
Example: Plasma One charges 1% foreign exchange fee. On a 1,000 Dinars purchase, you pay 1.000 din + 10 din foreign exchange fee + 10 din Visa foreign exchange fee = 1.020 din.
When a payment terminal asks, choose the local currency, Dinars. This lets your crypto card handle the exchange rate, so you can be sure of the exact percentage you will pay. If you choose USD, the local POS terminal bank does the conversion instead, often at a worse rate. In some countries, that markup can reach 8%.
Which Crypto Cards offer Physical cards for Serbia?
Here are all the crypto cards that offer a physical card in Serbia:
Here are all crypto cards that support Serbia but DO NOT offer a physical card:
How Much Cashback Do These Crypto Cards Pay?
Out of the 14 crypto cards available in Serbia, 7 offer cashback.
The highest advertised cashback % is usually not what you get on the free tier. You may need to pay a monthly fee or stake a large amount of tokens to unlock it.
Below you will see the entry-level cashback rate instead: what you can earn on the Free tier.
Tria
6%
no monthly cap
daily spend limit 1,000,000 USD
Plasma One
Unlimited
2% cashback
daily spend limit 1,000,000 USD
Kolo
5%
capped at 10.333 din a month
daily spend limit 50,000 USD
Kolo
5%
free tier
2.600 din
monthly cap reached
capped at 10.333 din a month
same on every tier
When you use the Kolo Card, you can earn 1–5% Bitcoin cashback on your purchases. Simply spend with your Kolo card and the cashback will be credited to your BTC balance, usually within about five days after the transaction.
When you first sign up, you will receive 5% cashback on all your card transactions. The cashback percentage will change after your first month:
| Kolo Account Age | Cashback Rate | Max Cashback per Purchase | Max Cashback per Month |
| 1st Month | 5% | $5 | $100 |
| After First Month | 1% | $1 | $100 |
If you continue holding your cashback in BTC, the value of the rewards may increase over time if Bitcoin appreciates.
To create a new card, you’ll need to deposit 10 USDC. This isn’t a fee — the full amount is yours to spend, so the card is essentially free to open.
Plasma One
2%
free tier
1.034 din
no monthly cap
2% on first 51.663 din, then 0.1%
up to 4%
staking required
Plasma One offers 2%-4% cashback on all eligible purchases, depending on the tier.
Your cashback is calculated in USD and paid out weekly in XPL tokens. After the payout, you can convert your XPL rewards to cash whenever you want.
Reality Check While Plasma One Card promotes up to 4% cashback, if you're an entry-level user, you'll qualify for 2% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Plasma One Card has no cashback cap at all - that's significantly better than the industry average:
| Plasma One Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 60 USD |
In addition, Plasma One offers nice perks, like boosted cashback for some purchase categories. For example, 10% cashback on AI-related spend.
Here are Plasma One's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Lite Tier |
 Core Tier |
 Platinum Tier |
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| Price | $0 | $10/month ($120 yearly) or 20,000 $XPL staked (~ $2,003 to stake) |
100,000 $XPL staked (~ $10,014 to stake) |
| Cashback | 2% on $500, then 0.1% (no cap) |
3% on $1,000, then 0.25%-2% (no cap) |
4% on $1,000, then 1%-3% (no cap) |
| AI Cashback | - | 5% on $250, then 1%-4% (no cap) |
10% on $500, then 1%-5% (no cap) |
| Airlines Cashback | - | - | 10% ($50 cap) |
| FX Fee | 1% | 0.5% | 0% |
| Airport Lounge Access | - | ||
| Global eSIM | - |
Based
2%
free tier
1.040 din
monthly cap reached
capped at 2.067 din a month
same on every tier
Based Card offers 2-4% cashback, but the monthly cashback caps are pretty low:
| Tier | Cashback | Cashback Cap | Extra Bonuses |
| Orange
(coming soon) |
0% | - | - |
| Hype
10,000 $BASED Staked ~700 USD¹ |
2% | 20$ | $10/month on ChatGPT & Claude |
| Gold
100,000 $BASED Staked ~6,800 USD¹ |
4% | 100$ | $20/month on Netflix + $100/month on ChatGPT & Claude. Plus, 4 airport lounge visits per year. |
You receive cashback in $BASED tokens at the start of each month. Since the $BASED token has already launched (TGE was in March 2026), you can convert the cashback into USDC or USDT right away and then spend or withdraw it.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Based Card's 2% cashback offers similar value comparing to competitors:
| Based Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 20 USD | 60 USD |
Here are Based's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Orange Tier Coming Soon |
 Hype Tier LIVE |
 Gold Tier LIVE |
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| Price | $0 | 10,000 $BASED staked (~ $671 to stake) |
100,000 $BASED staked (~ $6,712 to stake) |
| Cashback | 0% | 2% ($20 cap) |
4% ($100 cap) |
| FX Fee | 2.5% | 1.5% | 0% |
| Daily Spend Limit | $3,000 | $3,000 | $30,000 |
| Airport Lounge Access | - | - | |
| Invite-Only Events | - | - |
Lava
1%
free tier
520 din
no monthly cap
up to 5%
Lava Card offers up to 5% back in Bitcoin every time you spend, but realistically, most users will earn 1-3% cashback, depending on where they live. The full 5% BTC rewards apply when you spend with Lava merchant partners only.
| Eligibility | Cashback |
| User anywhere in the world, at selected Lava merchant partners | 5% |
| User in United States | 3% |
| User outside of United States | 1% |
Rewards are paid in Bitcoin (BTC) after your transaction settles, and you can track them inside the Lava app.
Xapo
1%
free tier
520 din
monthly cap reached
capped at 309.977 din a month
same on every tier
Xapo Card offers 0.2% - 1% cashback, paid in Bitcoin (BTC).
Your cashback is calculated based on the purchase amount in USD, then converted into Bitcoin and credited to your BTC balance. Rewards are paid automatically on the 5th of each month, once transactions have settled.
The cashback rate depends on where the merchant is located and which card you have:
| Merchant Location | Card Type | Cashback |
| EU Countries | Any Card | 0.2% |
| Outside Europe | Plastic of Virtual Card | 0.5% |
| Outside Europe | Metal Card | 1% |
There is no monthly cashback cap, which is rare among crypto cards. The only limit is the $300,000 monthly spend limit, meaning you could earn up to $3,000 cashback per month at 1%.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Xapo Card's 1% cashback offers more value:
| Xapo Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 3,000 USD | 60 USD |
In addition, your Xapo Card includes 1 free airport lounge visit per year. After that, each visit costs $35 per person (guests also $35).
Pionex
1%
free tier
520 din
monthly cap reached
capped at 51.663 din a month
same on every tier
Pionex Card offers 1% cashback on eligible purchases.
The cashback basically offsets the 1% FX fee on non-USD purchases, making the FX cost 0%. Nice.
And, there is no cashback cap. Max monthly spend is $50,000, so you can earn up to $500 cashback per month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Pionex Card's 1% cashback offers more value:
| Pionex Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 500 USD | 60 USD |
Tria
1.5%
free tier
363 din
no monthly cap
1.5% on first 10.333 din, then 0.5%
up to 6%
Tria Card offers 1.5% - 6% cashback. Rewards are not paid as immediate cash and are scheduled to be distributed after the Token Generation Event (TGE).
Reality Check While Tria Card promotes up to 6% cashback, if you're an entry-level user, you'll qualify for 1.5% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Tria Card has no cashback cap at all - that's significantly better than the industry average:
| Tria Card | Industry Average1 | |
| Entry Level Cashback | 1.5% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 60 USD |
You also earn XP points every time you use the card. The amount of XP depends on how much you spend in USD and your account multiplier, so higher tiers earn faster. You can earn XP from card spending, referrals, trading, Earn vaults, daily check-ins, onboarding actions, etc.
XP Points help you unlock higher levels, better multipliers, seasonal rewards, and other Tria perks.
With all the cashback, XP points, rewards, and perks, Tria makes it feel like you are playing a fun game. You will keep you coming back, for sure:)
Here are Tria's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Virtual Tier |
 Signature Tier |
 Premium Tier |
|
| Price | $2/month ($25 yearly) |
$9/month ($109 yearly) |
$21/month ($250 yearly) |
| Cashback in USD | 1.5% on $100, then 0.5% (no cap) |
4.5% on $1,000, then 1% (no cap) |
6% on $2,000, then 1% (no cap) |
| Rewards in Tria Points | 1 Point per $1 (no cap) |
1.5 Points per $1 (no cap) |
1.5 Points per $1 (no cap) |
| Boosted Yield on Earn | - |
Tria Points don’t have a fixed cash value, but they unlock Mystery Boxes with cashback, travel credits, USDT, perks, or equity draws.
Cashback is paid on the amount you spend, and most cards limit how much you can earn. Some publish a monthly cap, and the figure above stops there. Others advertise a rate that only applies to the first slice of your monthly spend, then drop to a much lower ongoing rate - that drop is applied above too. Either way, a headline rate on its own tells you very little.
Here are all crypto cards that support Serbia but DO NOT offer cashback:
Is There an Ideal Crypto Card for Serbia?
To help you pick the best card, here goes. You should look at cards that have no monthly fee and no foreign exchange fee, let you spend without limits, pay you cashback, come with a physical card, and work with Apple Pay.
No card in Serbia offers all 6 of these features yet. These are the ones that come closest:
| No Monthly Fee | 0% Foreign Exchange Fee | Unlimited Spend | Offers Cashback | Has Physical Card | Has Apple Pay | ||
|---|---|---|---|---|---|---|---|
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Tria
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No Monthly Fee: no2 USD | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: yes | Has Physical Card: yes | Has Apple Pay: yes | Go to Site Our Review8.3 |
 Avici
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: no | Has Physical Card: yes | Has Apple Pay: yes | Go to Site Our Review7.8 |
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Lava
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: no10,000 USD | Offers Cashback: yes | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review6.4 |
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Xapo
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No Monthly Fee: no85 USD | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: yes | Has Physical Card: yes | Has Apple Pay: no | Go to Site Our Review7.7 |
 Tuyo
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review7.4 |
Tria and Avici are almost ideal, except that Tria has a monthly fee of 2 USD and Avici has no cashback. Lava comes close, but it has a spending limit of 10,000 USD a day and no physical card.
Best for Serbia: If you're from Serbia, the best card for you to use, based on the above, is Tria Card.
FOR SERBIA READERS
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