Zebec Card

What Zebec is

Zebec is a multi-chain payments network and super app that began on Solana and now supports 150+ tokens across 18 blockchains, including Ethereum, BNB Smart Chain, Tron, Sui, Stellar and Base. The card line is one part of a wider product set covering payments, streaming and staking, aimed at holders who want to use crypto for ordinary online spending without routing it through an exchange first.

Three cards, one clear entry point

Silver is the flagship: no sign-up fees, no transaction fees, instant activation, spendable in USD, EUR or GBP, and usable through Apple Pay and Google Pay. It is a prepaid single-load card, which is the detail that matters - you can load between $5 and $1,000 onto each card and order as many as you want, with a cumulative daily spend ceiling of $10,000. Carbon is the reloadable option with no transaction fees but USD only and a $10,000 daily limit, and Black promises unlimited spending in USD, EUR or GBP but is currently offline for upgrades with a return expected in late 2026.

The fee structure, and its gap

Zebec's framing is "zero fees, total freedom" - no sign-up fee and no transaction fee - and that is accurate as far as it goes. The gap is exchange cost: the site states plainly that additional variable FX fees may apply and that rates depend on the currency used, without publishing percentages. Conversion rates are set at the time of card origination and may differ from rates available elsewhere at that moment, which for a single-load card means accepting the rate when you create each card.

Practical considerations

Because Silver is single-load, heavy spending means juggling multiple cards rather than topping up one. Funding comes from 150+ supported cryptocurrencies. There is no cashback, and the rewards story is staking ZBCN instead. Zebec also flags the tax point most crypto cards leave implicit: in some jurisdictions spending crypto with a card counts as a disposal and may be a taxable event.

Zebec issues virtual Mastercards funded by crypto, starting with a no-fee Silver card that loads once. MaxSwap is the quick-issue alternative from a Telegram bot, and TXBFI sells its cards outright on a lifetime basis. The crypto cards directory compares the load limits.

Silver Card

• No sign-up fees and no transaction fees.
• Spend in USD, EUR or GBP with instant virtual card access.
• Prepaid single-load card: load $5 to $1,000 per card and order multiple cards.
• Combined daily spend up to $10,000 across cards.
• Apple Pay and Google Pay support, accepted at 60 million+ merchants.

Carbon Card

• Reloadable with no transaction fees.
• USD spending up to $10,000 per day.
• Instant virtual card access with Apple Pay and Google Pay.

Black Card

• Reloadable with no spending limit.
• USD, EUR or GBP spending.
• Temporarily offline for upgrades, expected to resume in late 2026.

Funding and ecosystem

• Deposit from 150+ cryptocurrencies across 18 chains, including Solana, Ethereum, BNB Smart Chain, Tron, Sui, Stellar and Base.
• Stake ZBCN for extra rewards in the Zebec super app.
• Payments, streaming and staking products in the same app.

Funding assets

Zebec accepts deposits from 150+ tokens across 18 blockchains, a wider funding net than most cards here. Listed chains include Solana, Ethereum, BNB Smart Chain, Tron, Sui, Stellar, Base and Ripple, with the platform originally built on Solana.

Card currencies

Silver spends in USD, EUR or GBP and Black does the same; Carbon is USD only. The currencies you can spend in matter more than they appear here, because Zebec's own guidance is to match the card currency to your spending country to avoid FX costs.

ZBCN and rewards

Zebec's native token is ZBCN, and staking it is how the platform expects users to earn extra rewards - the cards themselves pay no cashback. The reward layer is therefore a staking decision rather than a spending benefit, which changes how the card compares with cards paying 1% to 5% back on purchases.

Published fees

• Card sign-up: no fee on the Silver Card
• Card transactions: no fee on Silver and Carbon
• Annual and monthly card fees: none published

What is not published

• The percentage applied as an FX or conversion fee
• ATM fees, and whether cash access is supported at all
• A single comparison table covering Silver, Carbon and Black side by side

How the cost actually appears

Zebec's own FAQ explains that exchange fees vary by currency and that you can reduce them by matching the card's currency to the country you are spending in - effectively an acknowledgement that FX is the cost centre. Because conversion rates are locked in when a card is originated and Silver is a single-load product, the rate you get applies to that card's entire value. Anyone spending regularly in a currency other than the card's own should compare this against cards that publish a fixed 0% to 1% FX fee.