CoinsOnCards

    Zebec CardReview

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

    3.0· Updated: Carbon Card launched March 2025
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    hybrid
    KYC
    limited
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    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.

    • 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.
    Get the Zebec Card

    How it works

    • - **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.

    Funding: Crypto (150+ cryptocurrencies and stablecoins) · Connect wallet via WalletConnect or similar

    Fees

    BankingNo traditional banking features like IBANs, SWIFT transfers, or interest-bearing accounts

    Custody & risk

    • If the issuer disappears
      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.
    • Counterparty risk
      When 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.
    • Regulatory risk
      UK availability restricted pending regulatory reviews
    • Market risk
      Airdrop rewards value can fluctuate based on token performance - rewards approach differs from traditional cashback as value is variable

    Zebec's model is non-custodial for crypto until conversion. Users keep crypto in their own wallets. Crypto is only moved and converted to fiat e-money at the moment of spending or loading the card. The fiat funds are then held by the partner bank/issuer.

    Protections

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

    Custody partners: Mobilum (backend processing partner for Black Card)

    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

    The good

    • 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.

    The catches

    • 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.

    Limitations

    • majorRestricted merchant categories - cannot be used for financial services, crypto purchases, money transfers (Venmo, PayPal), gambling/betting, gift cards or cash equivalents
    • moderatePrimarily virtual cards with physical cards not widely distributed
    • 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
    • moderateCustomer support issues have been reported with card issuing partners
    • moderateUK restricted pending regulatory reviews
    • minorCarbon transaction limits ($1,000 per load) can be restrictive for larger purchases
    • minorNo traditional banking features like IBANs, SWIFT transfers, or interest-bearing accounts
    • minorChina: only stablecoins can be used for cards issued in China

    Where rewards don't apply

    • Crypto purchases — Compliance requirements from card issuer
    • Money transfers (Venmo, PayPal, etc.) — Compliance requirements from card issuer
    • Gambling or betting — Compliance requirements from card issuer
    • Gift cards or other cash equivalents — Compliance requirements from card issuer

    What users say

    No public user ratings available yet

    Rating breakdown

    Net reward
    2.5
    Custody risk
    3.5
    Availability
    3.5
    Features & convenience
    3.0

    See our methodology for how we score each axis.