What are the account fee, card fee, and benefits?

CARDS, ACCOUNT FEES & CONDITIONS

	Standard	Premium	Limited	Luxe
Annual Fee	Free ($2 for certain countries)	$1,000	$5,000 (once off)	$10,000
Balance & Deposit Limit	Unlimited

• Standard card or standard account has a Free Annual Fee, though a $2 fee applies for certain countries.
• Premium card or premium account has an Annual Fee of $1,000.
• Limited card or limited account has an Annual Fee of $5,000, which is explicitly noted as a once off payment.
• Luxe card or luxe account has the highest Annual Fee at $10,000.

• The Balance & Deposit Limit is Unlimited for all four tiers: Standard, Premium, Limited, and Luxe.

Cashback Rewards and Solana Staking Rewards

	Standard	Premium	Limited	Luxe
Cashback Rewards - 2025 Spend	Up to 3%	Up to 7%	Up to 7%	Up to 10%
Solana Staking Rewards	See Solana staking rewards page	~2x rewards of Standard Tier	~2x rewards of Standard Tier	~3x rewards of Standard Tier

Cashback Rewards and Solana Staking Rewards for the four account tiers (implied to be Standard, Premium, Limited, and Luxe).

1. Cashback Rewards 💸

• Tier 1 (Standard): Offers up to 3% cashback on 2025 spend.

• Tier 2 (Premium) & Tier 3 (Limited): Both offer higher cashback of up to 7%.

• Tier 4 (Luxe): Offers the highest cashback, up to 10%.

2. Solana Staking Rewards 📈

• Tier 1 (Standard): The specific reward rate is referenced to an external "Solana staking rewards page."

• Tier 2 (Premium) & Tier 3 (Limited): The rewards are approximately ($\sim$) 2 times the rewards offered in the Standard Tier.

• Tier 4 (Luxe): The rewards are approximately ($\sim$) 3 times the rewards offered in the Standard Tier, representing the highest staking reward multiplier.

CARD FEES FOR Standard, Premium, Limited, and Luxe CARDS

	Standard	Premium	Limited	Luxe
Physical Cards Included	$100	1 free p.a	1 free p.a	1 free p.a
Additional Physical Cards	$100	$250	$250	$1,000
Virtual Cards Included	2 free - then $2 per card	1 free p.a	1 free p.a	1 free p.a

1. Physical Cards Included

• Standard: A fee of $100 is charged for the included physical card.

• Premium, Limited, and Luxe: These tiers all include 1 free physical card per annum (p.a.).

2. Additional Physical Cards

• Standard: Additional physical cards cost $100 each.

• Premium and Limited: Additional physical cards cost $250 each.

• Luxe: Additional physical cards cost $1,000 each.

3. Virtual Cards Included

• Standard: Includes 2 free virtual cards, after which the cost is $2 per card.

• Premium, Limited, and Luxe: These tiers all include 1 free virtual card per annum (p.a.).

TRANSACTION FEES FOR CARD : Standard, Premium, Limited, and Luxe, Crypto Token, Stablecoin, and ATM Withdraw

	Standard, Premium, Limited, and Luxe cards
Stablecoin Deposit Fee	Free
Crypto Token Auto Conversion	2-7% depending on the token. Check the Auto-Conversion Rate page for current rates
Card Spend (USD)	Free
Card Spend (Non USD)	2.0% FX Fee
ATM Withdrawal Fee (USD)	$3 + 2%
ATM Withdrawal Fee (Non-USD)	$3 + 2% (+2% FX)
Transaction Fee	Free (Including Apple Pay, Google Pay)

• Stablecoin Deposit Fee and general Transaction Fee (including Apple Pay/Google Pay) are Free.
• Card Spend in USD is Free, while Non-USD card spend incurs a 2.0% FX Fee.
• Crypto Token Auto Conversion rates range from 2–7%, depending on the token.
• ATM Withdrawal Fee (USD) is $3 + 2%.

• ATM Withdrawal Fee (Non-USD) is $3 + 2%, plus an additional 2% FX fee.

   

Declined Transaction Fee and Low Authorized Fee

	Standard, Premium, Limited, and Luxe cards
Declined Transaction Fee	50c (only for insufficient balance)
Low Auth Fee - Non-USD Only	10c for any transaction below $25
Note: If you submit a low auth and the transaction declines, then you will be charged both fees above

• Declined Transaction Fee: A fee of 50 cents (50c) is charged, but only if the transaction is declined due to insufficient balance.

• Low Auth Fee - Non-USD Only: A fee of 10 cents (10c) is charged for any non-USD transaction that is below $25. This appears to be related to low authorization requests.

• Combined Fee Warning: The document specifically notes that if a low authorization transaction is submitted and then declines, the user will be charged both the 50c Declined Transaction Fee and the 10c Low Auth Fee.

 

TRANSACTION LIMITS AND ATM WITHDRAW FOR Standard, Premium, Limited, and Luxe cards

TRANSACTION LIMITS	Standard, Premium, Limited, and Luxe cards
Card Transaction Limit	Unlimited
ATM Withdrawal Limit	$250 per withdrawal (inc fee) Maximum 3x in a 24 hour rolling period
Card Transaction Limit	Unlimited

This table indicates that the transaction limits and ATM withdrawal rules are the same across all four tiers (Standard, Premium, Limited, and Luxe):

1. Card Transaction Limit: The limit for card purchases/transactions is Unlimited. (Note: This feature is listed twice in the table, both times as Unlimited).

2. ATM Withdrawal Limit:

   • The maximum amount is $250 per withdrawal (this amount includes any associated fees).

   • You are limited to a maximum of 3 ATM withdrawals within a 24-hour rolling period.

General Terms and Conditions for Standard, Premium, Limited, and Luxe cards

1. Any account with a virtual card only that does not receive a minimum deposit of $5.00 within 2 weeks of activation will be automatically canceled. Virtual cards linked to physical cards are exempt from this policy. A new card can be re-added at any time.
2. Any account holder that exceeds their Maximum Number of Cards may have their account suspended. Please contact our Concierge help desk if this occurs.
3. "$" refers to United States Dollars (USD).
4. KAST reserves the right to modify, update, or amend these fees and limits at any time without prior notice, except as required by applicable law. Users are responsible for reviewing the applicable fees and limits regularly. Continued use of KAST services constitutes acceptance of any changes.