OKX Card cashback program FAQ
Note: OKX reserves the final right to interpret this program.
What cashback do I earn on an ongoing basis?
This rate takes effect from 25 March 2026.
All cashback cap calculations are based on AST (UTC + 3), regardless of the user’s local time zone. Please refer to the table below for the rate:
VIP level | Cashback percentage | Cashback cap per calendar month | How much can I spend to earn the full monthly cashback |
|---|---|---|---|
Non-VIP | 2% | $5 | $250 |
1 | 4% | $100 | $2.5K |
2 | 4.50% | $200 | $4.4K |
3 | 5% | $800 | $16K |
4+ | 10% | $800 | $8K |
The cashback reward is first calculated in local currency (e.g. USD), then converted to USDG for payout into your Pay account. Both amounts must reach at least 0.01 — if either falls below 0.01, no cashback will be issued for that transaction.
Cashback is earned only on USDG purchases made with your OKX Card and please ensure your card is funded by USDG to qualify.
How is the cashback cap calculated for core cashback?
The cashback cap is calculated on a calendar-month basis. Once you reach the monthly cashback cap, you’ll stop earning cashback for the rest of that month. The cap resets at the start of each new calendar month.
Which purchases are eligible for cashback?
All USDG payments are eligible, except for the categories listed below.
Category | Description | MCC(s) |
|---|---|---|
Money Transfer | Domestic and international money transfer services | 4829, 6536, 6537, 6538 |
Pawn Shops | Merchants offering collateral-based lending and resale of pledged goods | 5933 |
Antique Reproductions | Sellers of replica or reproduction antique items | 5937 |
Direct Marketing – Inbound Teleservices | Inbound teleservices and telemarketing merchants | 5967 |
Manual Cash Disbursements | Over-the-counter cash withdrawals at financial institutions | 6010 |
Automated Cash Disbursements | ATM cash withdrawals | 6011 |
Merchandise, Services and Debt Repayment | Payments to financial institutions including loan or debt repayments | 6012 |
Foreign Currency, Crypto & Account Funding | Foreign currency, non-fiat currency (e.g. cryptocurrency), money orders, account funding, travelers cheques, and debt repayment | 6050, 6051, 6054 |
Securities & Brokerage | Transactions with security brokers/dealers | 6211 |
Insurance Sales and Premiums | Insurance underwriting and premium payments | 6300 |
Stored Value Card Load | Purchase or reload of prepaid or stored value cards; top up another e-wallet | 6540 |
Business Services | General business services, not elsewhere classified | 7399 |
Betting and Gambling | Casino gaming chips, lottery tickets, race track betting and games of chance | 7995 |
Government-Owned Lotteries | Lottery ticket purchases through government-operated lotteries | 7800, 9406 |
Online Gambling & Racing | Government-licensed online casinos and horse/dog racing wagers | 7801, 7802 |
School-related | School fees and educational services | 8299 |
Charitable Organizations | Donations or payments to registered charitable/social service organizations | 8398 |
Political Organizations | Donations or payments to political entities | 8651 |
Religious Organizations | Donations or payments to religious institutions | 8661 |
Membership Organizations | Payments to membership organizations, not elsewhere classified | 8699 |
Professional Services | Payments for professional services, not elsewhere classified | 8999 |
Court Costs & Alimony | Court costs, including alimony and child support payments | 9211 |
Fines | Payments of fines imposed by authorities | 9222 |
Bail and Bond Payments | Bail bond and related legal surety payments | 9223 |
Tax Payments | Government tax payments | 9311 |
Government Services | Payments to government service agencies, not elsewhere classified | 9399 |
Postal Services | Government postal service payments | 9402 |
U.S. Federal Agencies | Payments to U.S. federal government agencies or departments | 9405 |
Some merchants, even if they belong to everyday retail or dining categories, may not be eligible for cashback if their acquiring bank has classified them under a non-cashback category. Merchant categories are determined by the acquiring bank based on the merchant's registered information, and OKX has no ability to intervene.
Note: if a purchase that earned cashback is later refunded, the associated cashback reward will be clawed back from your Pay account.
How do I become a VIP user?
VIP status is determined by your activity or assets on our platform, including factors such as account balance and trading volume. You can view your VIP level here and learn how to upgrade directly in the OKX app.