Novapoint Card Review

Overview

Novapoint Card targets frequent travellers, offering fee-free spending across more than 150 currencies at interbank exchange rates and enhanced cashback on travel and transport merchants. Users can hold multiple stablecoin balances to effectively pre-hedge a trip's spending against currency swings.

Fees & costs

There is no monthly fee and no FX markup on weekday transactions, a strong proposition for international spend. Travel-category cashback runs at 2% up to a monthly ceiling, reverting to a lower base rate beyond it. The one caveat is weekend top-ups, where conversion spreads widen because underlying markets are thinner.

Security

A regulated e-money partner custodies funds in segregated accounts. Standard protections apply: 2FA, biometric login, instant freeze and region locking, the last of which is especially handy abroad. Novapoint's fraud monitoring is competent, though its support hours can feel limited when issues arise across time zones.

Who it's for

Novapoint suits regular travellers who spend across currencies and want to avoid FX markups. Domestic-only users gain less from its headline features. Watch the travel cashback cap and avoid large weekend conversions to keep costs minimal.