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DeFi maxiNot specified in official sources (Black managed via Mobilum)mastercard● Live

Zebec Card

A non-custodial Mastercard debit card supporting 18+ blockchains with rewards via weekly crypto airdrops.

Zebec Card is a non-custodial, crypto-funded debit card on the Mastercard network for spending digital assets as fiat globally. Supporting 18 major blockchains and 150+ tokens across 100+ countries, it offers three tiers (Silver, Carbon, Black) with different spending limits and privacy levels. Cards can be managed via the Zebec app or Telegram bot, with rewards distributed as weekly crypto airdrops.

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Best for

Crypto-first users holding ZBCN tokens who value multi-chain support and privacy-focused spending.

Skip if

You need a physical card, predictable cashback rewards, or want zero transaction fees.

Network
mastercard
Custody
hybrid
KYC
limited
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Zero base fees for Silver and Carbon tiers.
  • Non-custodial model retains control of crypto until spending.
  • Supports 150+ tokens across 18 major blockchains.
  • Mastercard-network acceptance in 210 countries/territories.
Watch outs
  • Variable FX and conversion fees apply despite 0% marketing.
  • Airdrop rewards require holding $500 of ZBCN tokens.
  • Black card has $1/month fee and ~2% top-up fee.
  • Carbon card limited to $1,000 per load.
  • Weekly airdrop rewards require holding at least $500 worth of ZBCN tokens.
  • Silver/Carbon tiers have no monthly fees; Black tier costs $1/month plus transaction fees.
  • Silver card is single-use; Carbon is limited to $1,000 per load.

Basic information

Zebec Card is a crypto-funded prepaid debit card program designed to bridge digital assets with traditional spending. The cards allow users to spend cryptocurrency as fiat at millions of merchants worldwide without manual conversions. The program offers three distinct tiers (Silver, Carbon, and Black), each with different features and limits. All cards are issued on the Mastercard network, ensuring global acceptance at over 60 million merchants across 210 countries and territories. Zebec Cards are primarily available as virtual cards that can be added to Apple Pay or Google Pay. A key distinguishing feature is its non-custodial approach, where users retain control of their crypto funds until the moment of spending.

Fees

Zebec Card fees vary significantly across its three tiers:

| Fee Type | Silver | Carbon | Black | |---|---|---|---| | Card Issuance | $0 | $0 | $1 (activation) | | Monthly Fee | $0 | $0 | $1/month | | Loading/Top-up | 0% (variable FX) | 0% (variable FX) | ~2% | | Purchase Fee | $0 | $0 | $0.30 per transaction | | Currency Conversion | Variable | Variable | Variable |

  • Silver/Carbon: Marketed as "zero-fee," but variable exchange (FX) and conversion fees apply depending on the token and currency.
  • Black: Has an explicit fee structure including activation, monthly, top-up, and per-transaction fees, plus variable gas and conversion fees.

Spending & ATM limits

Notes
Silver is single-load (non-reloadable) but users can order multiple cards. Carbon allows unlimited reloads with $1,000 per load limit. Black has unlimited reloads with no preset limits.
Atm Daily
Not specified
Daily Spending
$10,000 (via multiple cards for Silver), $10,000 (Carbon), No preset limit (Black)
Per Transaction
$5-$1,000 per card (Silver), $1,000 per load (Carbon), No preset limit (Black)
Monthly Spending
Not specified

Features

  • Three-Tier System: Offers Silver (single-use, minimal KYC), Carbon (reloadable, zero base fees), and Black (premium, no spending limits) tiers.
  • Multi-Chain Support: Supports over 150 tokens across 18+ blockchains including Bitcoin, Ethereum, Solana, and BNB Chain.
  • Instant Virtual Cards: Virtual cards are issued immediately via the Zebec app or a Telegram bot.
  • Mobile Wallet Integration: Fully compatible with Apple Pay and Google Pay for contactless payments.
  • Global Acceptance: Usable at 60+ million merchants in 210 countries/territories via the Mastercard network.
  • Developer SDK: An SDK is available for developers to integrate Silver Card functionality into their own applications.

Rewards

Zebec offers a Crypto Airdrop Program instead of traditional cashback. Eligible cardholders receive weekly distributions of various cryptocurrencies from partner projects. Recent airdrops have included tokens like MOG, BRETT, BONK, and MEW, with reported average values of $35 to $100 per user in recent weeks. **Eligibility Requirements:** - Hold at least $500 worth of ZBCN tokens. - Maintain a funded Silver Card or higher tier. Staking ZBCN is also promoted for extra rewards, particularly for Carbon cardholders.

Availability

Available in 72 countries. Restricted in 4 countries (OFAC-sanctioned regions). Key regions missing: United Kingdom, Switzerland, Hong Kong, United Arab Emirates, India. UK restricted pending regulatory reviews. China: only stablecoins can be used. Mastercard acceptance in 210 countries/territories.

Top-up & funding

  • Crypto (150+ cryptocurrencies and stablecoins)
  • Connect wallet via WalletConnect or similar

Instant conversion at point of sale

Security & custody

  • AI-driven security and compliance engine (Zebec AI/ZAI)
  • Real-time transaction monitoring
  • Suspicious activity flagging
  • Non-custodial crypto storage until spending

Risk note. If the provider disappears, unspent crypto in a user's personal wallet remains accessible, but any fiat funds already loaded onto the card may be lost.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

Silver

Cashback
Weekly token airdrops (with ZBCN holding)
Card material
Virtual only
Monthly limit
Not specified
Issuance fee
$0
Requirements
Minimal KYC (basic info: name, address, email, phone). $500 ZBCN holding for airdrops.
  • Instant issuance via app or Telegram
  • Privacy-focused with minimal KYC
  • Multi-card strategy for higher daily spending
  • Non-custodial approach

Carbon

Cashback
Weekly token airdrops (staking for extra rewards)
Card material
Virtual only
Monthly limit
Not specified
Issuance fee
$0
Requirements
Minimal KYC for US users. $500 ZBCN holding for airdrops. Staking promoted for extra rewards.
  • Unlimited reloads
  • Higher limits than Silver
  • ATM withdrawal support
  • Zero base fees

Black

Cashback
Weekly token airdrops (possibly premium)
Card material
Premium physical planned
Monthly limit
No preset limit
Issuance fee
$1 (activation)
Requirements
Standard verification. $500 ZBCN holding for airdrops. Managed via Mobilum app.
  • Unlimited spending capability
  • Unlimited reloads
  • ATM withdrawal support
  • Premium status
  • Exclusive higher-value airdrops or early access

Banking services

No traditional banking features like IBANs, SWIFT transfers, or interest-bearing accounts

What users say

No public user ratings available yet

Risks & limitations

Risks
  • CounterpartyWhen crypto is converted to fiat for card loading, those fiat funds become e-money issued by the partner bank. If provider disappears, loaded fiat may be lost.
  • RegulatoryUK availability restricted pending regulatory reviews
  • MarketAirdrop rewards value can fluctuate based on token performance - rewards approach differs from traditional cashback as value is variable
  • CounterpartyCustomer support issues have been reported with card issuing partners
Limitations
  • moderatePrimarily virtual cards with physical cards not widely distributed
  • majorRestricted merchant categories - cannot be used for financial services, crypto purchases, money transfers (Venmo, PayPal), gambling/betting, gift cards or cash equivalents
  • moderateSilver card is single-use (non-reloadable); requires ordering multiple cards for higher daily spending
  • moderateBlack card has explicit fees: $1 activation, ~2% top-up, $0.30/transaction, $1/month
  • moderateAirdrop rewards require holding $500 worth of ZBCN tokens
  • moderateVariable FX and conversion fees can apply despite 'zero-fee' marketing
  • minorCarbon transaction limits ($1,000 per load) can be restrictive for larger purchases
  • moderateCustomer support issues have been reported with card issuing partners
  • minorNo traditional banking features like IBANs, SWIFT transfers, or interest-bearing accounts
  • moderateUK restricted pending regulatory reviews
  • minorChina: only stablecoins can be used for cards issued in China

Roadmap

Recently shipped
  • Carbon Card launched March 2025
  • Black Card introduced mid-2024
Planned
  • Physical cards (showcased in marketing but not yet widely distributed)
  • Unified Zebec Pay Super-App integrating payroll, cards, and treasury functions
  • Dedicated native mobile app
  • More fiat currencies for Carbon tier

Best suited for

Crypto-first individuals who receive income or hold significant assets in cryptocurrency, privacy-conscious users who prefer minimal KYC requirements, multi-chain crypto holders who maintain assets across different blockchains, and ZBCN token holders willing to stake for airdrop rewards.

Our verdict

Zebec Card represents a compelling option in the crypto card market, particularly for users who prioritize multi-chain support and are willing to hold ZBCN tokens for rewards. Its non-custodial approach differentiates it from many competitors, allowing users to maintain control of their crypto until the moment of spending. The three-tier structure (Silver, Carbon, and Black) provides options for different user needs, from single-use prepaid cards to essentially unlimited transactions for power users.

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