Zeal vs RedotPay Card RedotPay Card leads by 6 points.
RedotPay Card scores 6 points above Zeal, led by tax on spending. Zeal ranks #8 and RedotPay Card #6 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
ZEZeal49
vs
RERedotPay Card55
Scores are out of 100; published scores fall within 41–99 · ranks #8 and #6 of 9
Published gapAfter score rounding and bounds — see the note below5549+6.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
RedotPay Card's lead rests on lighter criteria: Zeal is ahead on cost abroad, which carries more weight (33) than any criterion RedotPay Card leads on (20).
RedotPay CardScore 55A Hong Kong credit-card programme that converts your crypto at the moment you swipe: every fee is published as a number, the conversion rate and ATM fees are changeable at the provider's sole discretion, and the entity that actually issues the card is defined in the terms but never named.Strength: Programme survival — 5/10Watch-out: The '3% cashback' that makes this card look cheap is not money and cannot be made into money. It is paid in USDs which 'can only be used for future card transactions', 'cannot be used to purchase cards, withdrawn as cash, or transferred' and 'expire after 30 days'; it is capped at 18 USDs a month; it only accrues on Apple Pay and Google Pay spend; it is clawed back if you refund the purchase; and unlocking it costs a $12.90/month membership that is 'non-refundable after payment is made'. To earn the full $18 you must route exactly $600 a month through a mobile wallet and then spend the credit again within 30 days — and the $1,000/month ATM fee waiver, the only benefit actually worth more than the fee, is reserved for annual members. Meanwhile the fees the credit is supposed to offset are 2.20% on every non-domestic swipe and 3–4% at an ATM, and clause 5.2 of the binding terms lets RedotPay change the ATM fees 'at its sole discretion from time to time without notice'.ZealScore 49Self-custodial wallet app that front-ends a Gnosis Pay Visa debit card issued by FCA-authorised EMI Monavate Limited (FRN 901097); Zeal adds no FX markup on top of Visa's own rate, publishes no fee schedule of any kind, and the single document it points to for ATM fees is a dead link.Strength: Whose licence issues it — 6/10Watch-out: The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactZealRedotPay Card
PricingSnapshotFrom https://www.zeal.app/ (HTTP 200, fetched 28 September 2026), footnote 2 in the FOR CARD block, the closest thing Zeal publishes to a price for spending: "When spending in another currency with the Gnosis Pay card, Visa's wholesale foreign exchange rate is used, which is a very competitive exchange rate. The rate is subject to change and will fluctuate. Zeal does not charge any additional foreign exchange fees. Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation." Headline on the same page: "Spend abroad with no exchange fees and up to 4% Cashback." and "Spend abroad at the Visa mid-market rate". Card acquisition, https://www.zeal.app/learn/order-your-free-card (fetched 28 September 2026): "Order card for free". Cashback tier cost, https://www.zeal.app/learn/gnosis-pay-explained (fetched 28 September 2026, dated 20 November 2025): "0.1 to 1 GNO (~€10-110): 0.5-1% cashback", "5.5 GNO (~€605): 2.5% cashback", "Currently, one GNO token costs around €100-110." ZEAL PUBLISHES NO FEE SCHEDULE, although its terms (https://www.zeal.app/terms-and-conditions/, "Last updated: 19 February 2026") say "Fees applicable to the Services or any component of the Services, if any, shall be set forth at zeal.app and/or the Zeal Wallet mobile application." The ATM fee is delegated by link to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which still returned HTTP 404 on 28 September 2026.From the fee schedule on https://helpcenter.redotpay.com/en/articles/10339271-redotpay-card-limitations-fees (HTTP 200, fetched 28 September 2026, article dated 24 July 2026), published only as an embedded image (https://downloads.intercomcdn.com/i/o/bor1fk18/2525426891/62aae7b9254f55235f535504fbde/20260707-182236.png, 3048x4596, unchanged since August; figures transcribed from the image, so a text checker cannot see them): "Virtual Card Application" "10.00 USD"; "Physical Card Application" "100.00 USD"; "Replacement Of Virtual Card" "5.00 USD for the first update" / "10.00 USD for each subsequent update"; "Default Currency Transaction" "Waived"; "Non-default Currency Transaction" "1.20%"; "ATM Withdrawal Fee" "2.00%" (HKD card) and "Monthly ATM Withdrawal Limits ≤ 10,000 USD：2%" / "Monthly ATM Withdrawal Limits > 10,000 USD：3%" (USD card); "Transaction Fee" "1.00%" "Refers to the cryptocurrency conversion fee"; "Small Auth Transaction Fee" "0.2 USD for each following small transaction" after five waived; "Declined Transaction Fee" "0.5 USD for each following declined transactions" after three waived; "Account Maintenance" "Waived"; "Effective from December 1, 2025". Outside that table: "Some purchases at specific merchants have a 1.5% transaction fee, with a minimum of 0.50 USD per transaction." (https://helpcenter.redotpay.com/en/articles/10339275-which-purchases-have-a-transaction-fee, fetched 28 September 2026); optional membership "Monthly Membership: $12.90 / month" / "Annual Membership: $129.00 / year", "All membership fees are non-refundable after payment is made." (https://helpcenter.redotpay.com/en/articles/14686020-getting-started-with-redotpay-pro, fetched 28 September 2026). Worked arithmetic (not a quote): one non-domestic purchase carries 1.00% conversion plus 1.20% non-default currency, 2.20% in all; one ATM withdrawal carries 1.00% plus 2.00-3.00%. The schedule crosses 12 months old on 1 December 2026.
Asset coverageEditorial——
Region fitSnapshoteuropeeurope, asia, latam
From the published criteria
Which should you pick?
ZE
Zeal
49#8 of 9
Pick it when
Pick Zeal if cost abroad matters most — it scores 5/10 to RedotPay Card's 2/10 there (weight 33).
Strength
Whose licence issues it — 6/10
Tradeoff
The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
RE
RedotPay Card
55#6 of 9
Leads
Pick it when
Pick RedotPay Card if tax on spending matters most — it scores 3/10 to Zeal's 2/10 there (weight 20).
Strength
Programme survival — 5/10
Tradeoff
The '3% cashback' that makes this card look cheap is not money and cannot be made into money. It is paid in USDs which 'can only be used for future card transactions', 'cannot be used to purchase cards, withdrawn as cash, or transferred' and 'expire after 30 days'; it is capped at 18 USDs a month; it only accrues on Apple Pay and Google Pay spend; it is clawed back if you refund the purchase; and unlocking it costs a $12.90/month membership that is 'non-refundable after payment is made'. To earn the full $18 you must route exactly $600 a month through a mobile wallet and then spend the credit again within 30 days — and the $1,000/month ATM fee waiver, the only benefit actually worth more than the fee, is reserved for annual members. Meanwhile the fees the credit is supposed to offset are 2.20% on every non-domestic swipe and 3–4% at an ATM, and clause 5.2 of the binding terms lets RedotPay change the ATM fees 'at its sole discretion from time to time without notice'.
Self-identify in 10 seconds
Which one is actually for you?
ZEZeal
Choose Zeal if cost abroad matters most
Cost abroad: 5/10 against 2/10 for RedotPay Card (weight 33)
Named issuer: 6/10 against 2/10 for RedotPay Card (weight 21)
ZealScore 49Self-custodial wallet app that front-ends a Gnosis Pay Visa debit card issued by FCA-authorised EMI Monavate Limited (FRN 901097); Zeal adds no FX markup on top of Visa's own rate, publishes no fee schedule of any kind, and the single document it points to for ATM fees is a dead link.Strength: Whose licence issues it — 6/10Watch-out: The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
RERedotPay CardLeads
Choose RedotPay Card if tax on spending matters most
Tax on spending: 3/10 against 2/10 for Zeal (weight 20)
RedotPay CardScore 55A Hong Kong credit-card programme that converts your crypto at the moment you swipe: every fee is published as a number, the conversion rate and ATM fees are changeable at the provider's sole discretion, and the entity that actually issues the card is defined in the terms but never named.Strength: Programme survival — 5/10Watch-out: The '3% cashback' that makes this card look cheap is not money and cannot be made into money. It is paid in USDs which 'can only be used for future card transactions', 'cannot be used to purchase cards, withdrawn as cash, or transferred' and 'expire after 30 days'; it is capped at 18 USDs a month; it only accrues on Apple Pay and Google Pay spend; it is clawed back if you refund the purchase; and unlocking it costs a $12.90/month membership that is 'non-refundable after payment is made'. To earn the full $18 you must route exactly $600 a month through a mobile wallet and then spend the credit again within 30 days — and the $1,000/month ATM fee waiver, the only benefit actually worth more than the fee, is reserved for annual members. Meanwhile the fees the credit is supposed to offset are 2.20% on every non-domestic swipe and 3–4% at an ATM, and clause 5.2 of the binding terms lets RedotPay change the ATM fees 'at its sole discretion from time to time without notice'.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Cost abroad
by 3 of 10weight 7.9 of 86Zeal leads
Zeal5/10 out of 10
RedotPay Card2/10 out of 10
Card reliability
weight 6.2 of 86Tie
Zeal5/10 out of 10
RedotPay Card5/10 out of 10
Named issuer
by 4 of 10weight 5 of 86Zeal leads
Zeal6/10 out of 10
RedotPay Card2/10 out of 10
Tax on spending
by 1 of 10weight 4.8 of 86RedotPay Card leads
Zeal2/10 out of 10
RedotPay Card3/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Zeal6/20RedotPay Card12/20
RedotPay Card leads
Published criteriaweight 30 of 86
Zeal11.1/30RedotPay Card7.2/30
Zeal leads
Frictionweight 10 of 86 · constant here
Zeal2.7/10RedotPay Card2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Zeal3.2/8RedotPay Card3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Zeal8.3/18RedotPay Card8.3/18
Tie
Decision rulePublished order
Choose RedotPay Card unless the term Zeal leads on is the one you are buying.
Pick Zeal if cost abroad matters most — it scores 5/10 to RedotPay Card's 2/10 there (weight 33).
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (Zeal 6/10, RedotPay Card 2/10)
Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Zeal 2/10, RedotPay Card 3/10)
Exit failure: you cannot get out at par, on time, or with what is yours.
Scored by Will this card still work next month, and who has to fail for it to stop? · 26% (Zeal 5/10, RedotPay Card 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Questions
Frequently asked questions
RedotPay Card scores 6 points above Zeal, led by tax on spending. Published scores, out of 100: Zeal 49 (rank 8 of 9 crypto cards), RedotPay Card 55 (rank 6 of 9).
Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
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