Oobit Card Guide: Referral Code, Taiwan Availability and Fees

Oobit is a Visa virtual card for paying with cryptocurrency. Add it to Apple Pay or Google Wallet to tap to pay in stores. There is no card issuance or annual fee, and Taiwan is on Oobit’s official list of supported countries. To compare it with other cards, see the U card comparison. Fees and risks are covered below in What to know before applying.

What is Oobit? Company background

Oobit’s co-founder and CEO is Amram Adar.

In February 2024, Oobit completed a $25 million Series A led by Tether, with participation from CMCC Global’s Titan Fund, 468 Capital and Solana co-founder Anatoly Yakovenko. An official July 2026 press release said users could spend supported digital assets at more than 150 million merchants that accept Visa.

The card runs on the Visa network and is described by the company as Visa Platinum. The issuer is Third National, and card access is provided by Lithuania-based Oobit Technologies UAB. Oobit also offers DePay, which can connect to self-custody wallets such as MetaMask, Trust Wallet and Phantom. Your assets remain in your own wallet until you authorize a transaction.

Payments and transfers support 22 assets, including USDC, USDT, BNB, BTC, ETH, SOL, XRP and OOB.

Oobit rewards: stablecoin payments and OOB payments

Oobit has no paid card tiers. Rewards depend on the currency you use to pay and follow two separate tracks, each with a monthly cap; spending above the cap earns 0%.

Both reward tracks are available from level 1, and their caps reset each calendar month. Rewards can only be spent in the app with Tap to Pay; they cannot be withdrawn or transferred out.

There are also stackable 5X points. For each Tap to Pay purchase of at least $1, you earn 1 to 5 points per dollar, based on your tier at the time of payment; payments made after a tier upgrade use the new multiplier. Each 90-day cycle starts with your first qualifying payment. The next cycle starts at the tier your spending reached this cycle; if you make no purchases in the current cycle, you return to level 1. Points have no cap, and 1,000 points can be exchanged for $1. In Taiwan, points can be exchanged for USDT, which can only be used for Tap to Pay in the app.

See Oobit review and comparison for a full comparison.

Oobit fees

• Card issuance and annual fees: Virtual card issuance is free, with no annual or monthly fee.
• Card transaction fee: 1% per transaction, with a $0.25 minimum. Purchases under $25 are charged $0.25.
• Foreign exchange fee: Non-USD purchases, such as those in TWD, also incur a foreign exchange fee of up to 1.5%, on top of the card transaction fee.
• Currency conversion: 0.95% for swaps and 3% when converting to OOB, deducted from the amount received.
• Funding: Oobit adds no markup when you buy cryptocurrency by card in the app. Transak’s partner fee is shown at checkout, with a $10 minimum.
• Withdrawals to an external wallet: Blockchain network fees apply; ERC-20 fees are higher.
• Daily spending limit: Up to $10,000; this may change.

See Oobit fees in detail for the full fee list.

What to know before applying

• Your account could be suspended at any time: Oobit’s official terms say it can suspend, revoke or cancel an account at any time, without giving a reason or providing advance notice. Any unclaimed rewards are forfeited when an account is closed.
• Rewards can only be spent in the app with Tap to Pay; they cannot be withdrawn or transferred out.
• To earn 10%, you must first convert your assets to OOB, which incurs a 3% fee. The 5% reward for stablecoin payments is capped at $10 per month.
• Small purchases are poor value: purchases under $25 are charged $0.25, and purchases in TWD also incur a foreign exchange fee of up to 1.5%.

How to apply for Oobit (where to enter the referral code)

Open the referral link. The page will show “Copy your referral code”; the button in the red box is the referral code.

1. Download Oobit from the App Store or Google Play, create an account and verify your phone number.
2. Enter UGJZOP in the referral code field during registration. If you missed it, add the code in your account settings before completing your first card purchase. You cannot add it after that first purchase.
3. Complete KYC with a passport, national ID card, or EU/EEA driving licence, plus a selfie liveness check. You may also be asked to complete a questionnaire about your intended use, estimated monthly spending, source of funds and occupation.
4. Connect a self-custody wallet, or deposit or buy cryptocurrency. For checks to make before a transfer, see the cryptocurrency transfer SOP; for stablecoin basics, see the stablecoin storage guide.
5. In the card settings, add the card to Apple Pay or Google Wallet.

New users who enter a valid referral code pay no Oobit card transaction fees on their first $500 in cumulative card spending. The offer is valid for 60 days from code redemption; any unused amount expires. It waives only the card transaction fee. Swap, withdrawal, funding, transfer and network fees still apply. The offer is limited to new users who have never had an Oobit account, and each person can redeem only one code once.

Using Oobit in Taiwan

Taiwan appears in Oobit’s Help Centre country table: crypto cards, bank transfers, transfers to other users and rewards are all marked Yes. Local payment methods are not currently available. Oobit’s features depend on the country of residence set on your account.

For everyday payments, use Apple Pay or Google Wallet; Oobit’s official information says the card can be added to either wallet. Taiwan’s JKO Pay cannot be linked because it only allows credit cards issued by its partner banks in Taiwan, while Oobit’s issuer is the US-based Third National.