The biggest KAST fee questions are annual tier cost, non-USD FX, non-stablecoin deposit conversion, ATM withdrawal cost, and whether cashback offsets those costs in your real spending pattern.
How to read the KAST fee page
Read the fee page from top to bottom instead of only checking annual fee. The real cost is often in the rows below the tier price.
Membership tiers to compare first
The official fee page lists Standard at $0 annual fee, Premium at $1,000 per year, and Private at $10,000 per year. Standard users should still check physical-card shipping and additional virtual card rules before ordering.
| Tier | Cost headline | Reward headline | Best check |
|---|---|---|---|
| Standard | $0 annual fee | 1.5% USD cashback | Physical card shipping, FX, ATM |
| Premium | $1,000/year | 2% USD cashback plus 1% KAST Points | Monthly spend needed to justify fee |
| Private | $10,000/year | 3% USD cashback plus 2% KAST Points | Only makes sense for very high spenders who can verify all terms |
Card spending fees
For USD card spend, KAST lists 0% card spend and transaction fee. For non-USD spending, the official fee page lists a 0.5-1.75% FX fee. Small non-USD transactions under $25 also have a $0.10 small transaction fee.
Before travel or daily spending, check whether your merchant currency is USD or non-USD and whether the app displays a fee preview before confirmation.
Deposit fees: stablecoin vs non-stablecoin
The difference matters. Stablecoin deposits are listed as 0%, while non-stablecoin tokens are auto-converted to stablecoins with a 2-5% fee that varies by token. If your plan is to deposit BTC, ETH, SOL or another non-stablecoin, the card can be more expensive than it first appears.
ATM fee example
If the withdrawal is non-USD, add the listed FX range. Local ATM operators may also charge their own fee.
Pre-application checklist
- Confirm country support and card tier in the app.
- Check whether your deposit asset is a supported stablecoin.
- Estimate monthly spend and cashback cap before upgrading tiers.
- Save screenshots of fee rows and card creation status.
What to save before and after using the card
- Fee-table screenshot showing the date you checked it.
- Screenshot of the selected tier and any card shipping or extra-card cost.
- Deposit preview showing whether the asset is a stablecoin or non-stablecoin auto-conversion route.
- ATM receipt and app transaction detail if you test withdrawals.
FAQ
What should I verify before acting on this guide?
Open the official site or app and confirm the current card status, supported region, fee row, reward or cashback terms, funding method, and any deadline shown on the account screen. Treat the official screen as the final source before applying, funding, or spending.
What records should I keep for fees, rewards, and tax review?
Keep the official page screenshot, application or KYC status, card transaction, funding transaction, cashback or points entry, timestamp, currency, amount, and any TXID or statement number. This makes support requests and later tax review easier.
Official sources checked
Terms change quickly. Use this page to narrow your choice, then confirm the final fee table, card availability, limits, and campaign terms in the official app or help center.
Official social and update checks
Use official KAST social accounts to catch fee changes, maintenance posts, or campaign updates that may appear before help-center copy is updated.