The NBK Brokerage Card — Where Your Investments Meet Everyday Spending.
Spend against your portfolio. Earn cashback on every purchase. Zero account fees.
Spend Smarter. Earn More. Invest Better.
Operating since 2018
Personalized client care 24/7
Assets under management $11+ billion
Switch Between Spend and Invest Mode with a Single Tap.
Activate your virtual NBK Brokerage Card instantly and start spending. Upgrade to our premium physical card through the NBK Brokerage Rewards Programme — unlock higher cashback tiers, travel perks, and preferential rates on investment products.
Spend Mode
Spend from Your Account. Keep Growing.
Investment-Backed Spending
Access Liquidity Without Liquidating Your Portfolio.
- Your account balance earns competitive returns while it sits — so your money works even when you're not spending it.
- Earn up to 1.5% cashback on all card purchases — redeemable as NBK Brokerage Rewards points or applied directly to your investment account.
- Customise your spending priority — choose which account or asset to draw from first with a simple drag-and-drop interface in the NBK Brokerage app.
- Access an NBK Brokerage investment-backed credit line — borrow against your portfolio at competitive rates without disrupting your long-term investment strategy.
- Spend in KWD, USD, EUR, GBP, and 30+ global currencies — with live mid-market FX rates and no foreign transaction fees for Premium cardholders.
- Meet all your spending needs without liquidating your investments — your portfolio keeps growing while your card keeps working.
Travel, Lifestyle & Exclusive Perks.
Use your wealth worldwide
Make payments at over 100 million merchants globally.
Get crypto cashback
Get up to $200 crypto cashback per month for Credit Mode spending.
Withdraw at no charge
Enjoy up to €2,000 in free ATM withdrawals per month.
Track every transaction live
Get instant push notifications for every purchase, transfer, and withdrawal.
Instant Virtual Card. Physical Card Delivered in Days.
Spend with Complete Peace of Mind.
Freeze or unfreeze your card, set spending limits, manage currencies, and monitor every transaction in real time — all from the NBK Brokerage app.
- Freeze or unfreeze your card instantly from the app if it is lost, stolen, or temporarily misplaced.
- Set custom spending limits by category, merchant, or time period to stay fully in control.
- Get real-time alerts for every transaction, so you always know exactly where your money is going.
How to Activate Your NBK Brokerage Card
Open the NBK Brokerage App
Activate Your Virtual Card
Add to Apple Pay or Google Pay
Order Your Premium Physical Card
Frequently Asked Questions
The NBK Brokerage Card is a crypto card that can be used in Credit or Debit Mode. In both modes, it connects to your available balance to provide you with liquidity for your everyday expenses, online purchases, subscriptions, and more. The following two modes can be changed at any time and as often as you’d like.
Credit Mode:
Credit Mode allows you to make purchases without having to sell your valuable crypto. It also helps you retain the upside potential of your crypto while using its value in everyday life.
Debit Mode:
Debit Mode can help you grow your savings while having them available to spend at any time. It’s an easy and rewarding way to spend your digital assets, while earning daily compound interest.
You can receive crypto cashback on every purchase when using your NBK Brokerage Card in Credit Mode, provided your account balance exceeds $5,000 worth of digital assets. Cashback is paid out in Bitcoin or a native token, with the flexibility to switch your cashback currency at any time.
If your account balance is above $5,000, the ratio of native tokens held relative to the rest of your portfolio will determine your placement in one of four Loyalty Tiers, each offering increasing cashback rewards:
Platinum: 2% in native tokens or 0.5% in BTC
Gold: 1% in native tokens or 0.3% in BTC
Silver: 0.7% in native tokens or 0.2% in BTC
Base: 0.5% in native tokens or 0.1% in BTC
The virtual NBK Brokerage Card can be activated once you have at least $50 in your NBK Brokerage account, allowing you to start spending instantly.
Physical cards come with free shipping. To order one, your account must have a balance above $5,000 worth of digital assets and you must be in at least the Gold Loyalty Tier.
Currently, only residents of the European Economic Area (EEA) and the UK are eligible to order an NBK Brokerage Card. To qualify, you must complete identity verification.
