Kem Card
Free (issuer states no monthly or annual fee)
Annual fee
Free (instant virtual issuance…
Issuance fee
KYC
KYC
Benefits
- Officially called the first card supported by Tether, with USDT as the main spending currency
- No card opening fee, no monthly fee, no minimum balance
- Can be added to Apple Pay / Google Pay
- Gold, cryptocurrency, and USD balances can be converted into USDT for spending within the App.
Supported services
✓Apple Pay
✓Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- FAQ states that a 1% transaction fee will be charged for all online/offline purchases
- The blog states that physical cards are provided, but the FAQ states "only digital cards are provided", which is inconsistent.
- Terms prohibit the use of the card for cash-like transactions such as cryptocurrency purchases, gambling, P2P transfers, etc.
Fees & specifications
CashbackThe words “5% cashback” appear on the home page of the official website, but the specific rules are not disclosed.
Foreign exchange feesNot explicitly disclosed (FAQ only states 1% transaction fee)
Staking requirementsNone
Card formatVirtual card (there are different opinions on the supply of physical cards)
Settlement assetsUSDT (can be exchanged for gold/cryptocurrency/USD)
Sources & notes
Data credibility: medium; verification date 2026-10-09.