Head to head
Infini vs Avici
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | In Infini | Av Avici |
|---|---|---|
| Overall rank | #11 of 13 | #13 of 13 |
| Gross FX spread | 3% | 1.15% |
| Net cost on test | N/A | N/A |
| Base cashback | 0 | 0 |
| Custody | Custodial | Non-Custodial |
| Virtual card | Yes ($10) | $15 once off/ $30 yearly premium |
| Physical card | No | Physical Platinum is $50; Physical Signature is $75 |
| Spend limit | Custom configurable by admin | Undisclosed |
| ATM withdrawals | No | $1 Fee + 0.65 |
| Setup time | 20 minutes | ~10 minutes |
| KYC steps | 4 | 4 |
| Score | 6/10 | 5/10 |
Infini
Infini is a highly specialized corporate expense platform rather than a standard consumer crypto card. If you are a business looking to fund SaaS and ad campaigns directly with stablecoins, the API controls and flat 1.5% uncapped stablecoin cashback are excellent. However, for everyday retail consumers, the $10 virtual card issuance fee and massive 3% non-USD FX fee on the base tier make it impractical for daily spending. Only use if you're a business
Avici
Avici functions as a self-custodial secured Visa credit card rather than a traditional direct-spend debit card. You must lock USDC into a smart contract to access an equivalent USD credit line. While the underlying account abstraction technology is excellent for security, the steep physical card issuance fees and reported hidden spreads on top-ups make it a heavily restrictive option compared to standard crypto debit cards.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+