MOVE MONEY · KAST HELP

KAST Card and Cashback: Memberships, Fees and Redemption

Use a KAST Card to spend your KAST balance and earn rewards on eligible purchases. Standard has no annual membership charge. Premium and Private add higher cashback caps, points and different included cards, but their annual fees deserve a separate cost check.

6 min read · checked against official sources 13 October 2026

$0 / $1,000 / $10,000Annual fee: Standard / Premium / Private [1]
1.5% / 2% / 3%USD cashback rates [3]
$30 / $200 / $1,200Max monthly cashback (rate × cap) [3]
14 daysWaiting period, then manual redemption — spend only [5]

How do the memberships compare?

KAST personal memberships [1][3][6]
Benefit	Standard	Premium	Private
Annual fee	$0	$1,000	$10,000
USD cashback	1.5%	2%	3%
Monthly eligible spend cap	$2,000	$10,000	$40,000
Maximum monthly cashback¹	$30	$200	$1,200
Points on eligible spend	None	1% equivalent	2% equivalent
Included cards	2 Standard virtual	1 Premium plus Standard allowance	1 plated gold plus 2 other tier cards

¹ Calculated as rate × monthly eligible spend cap. Points are separate from spendable USD cashback; these percentages do not mean points can be cashed out.

Paid plans are charged upfront for 12 months, with no monthly billing. Standard physical cards have a $40 delivery charge; some regions charge $2 even for included Standard virtual cards. Included Premium and Private physical cards are covered by membership. Extra cards in those tiers require a Concierge quote. [1]

Upgrade economics are conditional

At maximum eligible monthly spend, annual cash cashback is $360, $2,400 and $14,400 before annual fees, FX and other costs. These are calculated ceilings, not expected earnings. [3][1]

Official guides: How Much Do KAST Memberships Cost and What Fees Should I Expect? · How Do Cashback Rewards Work on KAST? · What Are the Fees and Conditions for KAST Cards and Accounts? · What are KAST Points?

What does the card cost to use?

Published card fees [2]
Card cost	Published fee
USD spending and top-ups	0%
Non-USD exchange	0.5%–1.75%
Non-USD purchases under $25	$0.10 extra
Insufficient balance decline	$0.50
USD ATM withdrawal	$3 + 2%
Non-USD ATM withdrawal	$3 + 2% + FX

ATM limits are $500 per withdrawal and three withdrawals or $1,500 per 24 hours. Your FX fee depends on your region, transaction location and card program. Example calculated by MoneyQuest: a $20 non-USD purchase at 1.75% FX costs $0.35 in FX plus $0.10 for the small purchase. Eligible Standard cashback would be $0.30, leaving $0.15 in net fees before other costs. Rewards do not make every payment free. [2]

Card fee explorer

Purchase amount (USD equivalent)

Up to $100,000.00.

Spending currency

Membership

Fees: $0.00
Estimated cashback: $3.00
Effective cost after cashback: $197.00

Upfront total: $200.00

Cashback is estimated and received separately. Annual membership cost excluded.

More options

Transaction

Card purchaseATM cash

Eligible card spend already this month (USD)

Assume this purchase is cashback eligible Add a $40 Standard-card delivery charge (if applicable)

How this is calculated

Itemized KAST fee illustration
Purchase principal (USD equivalent)	$200.00
Card spend fee	$0.00
Fees	$0.00
Upfront total	$200.00

Monthly cashback cap
Cap left before this purchase	$2,000.00
Part of purchase over the cap	$0.00

Standard cashback: 1.5% on the first $2,000.00 of eligible monthly purchases. Multiply the eligible purchase within the remaining cap by the rate, rounded to cents. No rewards on ATM withdrawals, ineligible purchases, fees or delivery. [2][3]

Effective cost = upfront total minus estimated cashback; cashback is not deducted at payment. Eligibility, redemption, waiting periods, exclusions and your app’s terms apply. Points and perks are unvalued.

Annual membership fee: $0.00, excluded from this transaction estimate. Compare personal memberships and annual fees.

Excludes ATM-operator charges, exchange-rate differences and funding costs. A declined payment for insufficient balance costs $0.50 (not added). Bank payout fees don’t apply to card transactions. [2]

App fees can differ

Older non-US card terms list up to 2% FX, a $0.20 small non-USD fee and up to $20 a year. This uses the newer help schedule; your app quote is what counts. [12][2]

KAST Concierge schedule updated 12 Oct 2026 · sources checked 13 Oct 2026 · calculated in your browser.

How to create or order a card

Complete account verification, then open the card section and choose Order Card.
Choose an available design and virtual, physical or combined option. Review the price before confirming.
For a physical card, enter the shipping address and check the delivery estimate. Activate it in the app after delivery.
Fund your account using a supported deposit method. Check your balance before purchases and recurring subscriptions.

[7][8]

The creation guide counts deleted cards toward the total limit of 10; deleting a card does not reset that count. A physical card is optional. [7][8]

Official guides: What Are the Fees and Conditions for KAST Cards and Accounts? · How Do I Create a New KAST Card? · How Do I Order a Physical KAST Card?

How do you earn and redeem cashback?

Eligible purchases can earn cashback up to the membership spend cap. Eligibility depends on the merchant category assigned by its bank and payment network. ATM withdrawals, cash advances, money transfers, quasi-cash, fees and refunded or reversed purchases generally do not qualify. A refund can remove cashback already earned. [4]

Open Rewards and check whether the cashback is Locked or Redeemable.
Allow the published 14-day waiting period, then tap Redeem and Redeem now.
Review the amount and confirm. Redemption is manual.
Keep at least $0.10 in your main USD Spending Balance to use redeemed cashback.

[5]

KAST app home screen with the Rewards entry highlighted — Navigation examples showing Rewards and Redeem. Example balances and offers are not current terms. Images © KAST. Reused from “How Do I Redeem My KAST Cashback?”. Reuse permission not yet confirmed. Source

KAST app Rewards screen with the Redeem button highlighted — Navigation examples showing Rewards and Redeem. Example balances and offers are not current terms. Images © KAST. Reused from “How Do I Redeem My KAST Cashback?”. Reuse permission not yet confirmed. Source

Redeemed cashback pays for future eligible card purchases first. It cannot be withdrawn to a bank or external wallet. If redemption is unavailable, check the lock, region and account review status, then contact Concierge. [5]

Official guides: Which Purchases Earn Cashback on KAST? (Eligible MCCs and exclusions) · How Do I Redeem My KAST Cashback?

Items requiring confirmation

When does cashback post?

Sources are inconsistent: the cashback guide says at authorization, while the eligibility guide says typically after settlement. Treat an early reward as provisional and use its in-app status.

Are KAST Points worth cash?

Points have no verified cash conversion value. The current points guide says a standard token launch is no longer planned, while an older FAQ on the same page still mentions an airdrop. No token value or payout date is promised here.

Can I use these screenshots?

Image reuse permission is unverified. Attribution does not establish a republication licence; confirm permission with KAST before public distribution.

More KAST guides

Move MoneyKAST Card Guide: Fees, Eligibility and Stablecoin Spending Move MoneyKAST Fiat: USD Deposits and Worldwide Payouts Build WealthKAST Reserve and How to Deposit

Sources & methodology

All primary sources are official KAST Concierge help articles accessed 13 October 2026; additional KAST pages are cited by the shared calculators. Calculations are MoneyQuest arithmetic from published figures. App screens and terms can change. Embedded KAST screenshots are attributed; reuse permission is unverified.