TXBFI Card

What TXBFI is

TXBFI is a card programme built around a lifetime model rather than a subscription. You pay once for the card - the site's tiers currently run from a promotional $25 for the virtual card up to $10,000 for the Gold card - and then carry no monthly or annual fee. The pitch is explicit about why: TXBFI front-loads the deposit fee so the cost of using the card is visible up front rather than leaking out through monthly charges and FX markups.

The four tiers

Virtual is the entry tier, best for digital-first spending with a $15,000 single-tap limit. Plastic adds a physical Visa card, ATM access of $1,000 a day and free Google Pay support. Metal moves the deposit fee down to 2.4% and adds a personal concierge with a $40,000 single-tap limit. Gold, limited to five cards with three claimed at the time of writing, drops the deposit fee to 1.8% and pushes the single-tap limit to $100,000 with daily ATM access of $3,000.

The fee logic

Every rate is published in a single table: card deposit from 1.8%, forex at a fixed 0.6% spread over mid-market, internal crypto exchange and cross-chain swaps at 0.2%, ATM withdrawals from 2%, and zero monthly or annual fees. TXBFI compares its own two-year cost at $1,152 against what it says other cards charge, a claim you should verify against your own spending pattern rather than accept - the comparison depends heavily on how much you load onto the card.

What to check before buying

The tiers are expensive to enter and the deposit fee is charged on every top-up, so the lifetime framing only pays off over a long holding period and at moderate load volumes. TXBFI's card registration runs through a separate domain and the programme is new, so treat the published fee discipline as the main positive and verify the issuing entity before committing to a four-figure card.

TXBFI sells cards on a pay-once lifetime model, from a $25 launch-price virtual card up to plastic options. That is a different bargain from the tiered issuers: Zebec charges per card tier, and UltimoPay pairs its Platinum card with an offshore USD account. The crypto cards directory compares the upfront costs.

Tiers

• Virtual: $25 launch promo, virtual Visa, $15,000 single-tap limit, no ATM access, Apple Pay and Google Pay.
• Plastic: $300 launch promo, physical Visa, $15,000 single-tap limit, $1,000 daily ATM, Google Pay.
• Metal: $1,000, physical Visa, $40,000 single-tap limit, $1,500 daily ATM, personal concierge, Google Pay.
• Gold: $10,000, physical Visa, $100,000 single-tap limit, $3,000 daily ATM, VIP concierge, limited to five cards.

Mechanics

• One-time card fee, no monthly subscription and no annual renewal.
• Top up with BTC, SOL, XRP, XLM, SUI, USDT or USDC.
• Internal crypto-to-crypto exchange and cross-chain swaps at 0.2%.
• Reward calculator on the site estimates TXB points, BTC cashback and XLM cashback by monthly spend.

Support

• Concierge service on Metal and Gold tiers.
• Card registration handled through thexbank.io.

Top-up assets

TXBFI accepts BTC, SOL, XRP, XLM, SUI, USDT and USDC for topping up the card, with the coin logos listed on the tier page. Stablecoins are the practical choice because they remove price movement between top-up and spend, while BTC also feeds the cashback calculation.

Rewards in crypto

Cashback is paid in BTC and scales with the card tier: 0.05% on Virtual, 0.1% on Plastic, 0.2% on Metal and 0.4% on Gold, alongside an XLM cashback component and TXB points. Brand discounts of 1% to 9% by tier add a second rewards channel. The tier page's reward calculator shows the combined BTC and XLM value at different monthly spend levels.

Conversion

Internal crypto-to-crypto exchange and cross-chain swaps are charged at 0.2%. Converting to the card's USD balance happens through the deposit mechanism, which is where the 1.8% to 2.6% deposit fee applies.

One-time card fees

• Virtual Visa: $200 list price, currently $25 in the launch promo
• Plastic Visa: $500 list, currently $300
• Metal Visa: $1,000
• Gold Visa: $10,000, limited to five cards

Ongoing rates

• Card deposit: 2.6% on Virtual and Plastic, 2.4% on Metal, 1.8% on Gold
• Forex exchange: 0.6% fixed spread over mid-market
• Internal exchange: 0.2%; cross-chain swap: 0.2%
• ATM withdrawal: from 2%, up to $3,000 per day on the top tier
• Monthly fee: $0; annual fee: $0

The real cost

The deposit fee is the number that matters, because it is charged every time you load the card. At 2.6%, loading $20,000 over two years costs $520 in deposit fees before any FX or ATM charges, on top of whichever card fee you paid. TXBFI's own comparison puts its two-year cost at $1,152 against $2,160 for a typical card with a $24.99 monthly fee - a comparison that holds up only if your spending profile matches its assumptions.

Refund and exit terms

TXBFI publishes no cancellation, refund or exit fee schedule on the tier page, so confirm what happens to your balance and your one-time fee if you close the card before committing.