Is your crypto card doing enough?

1. Campaign overview and Offer Periods

These terms and conditions (the "Campaign Terms") govern two EEA OKX Card promotional offers made available as part of the "[EEA] Your Summer. Your Crypto. Better Spent." (the "Campaign"):

1. 1. the Boosted Cashback Offer; and
   2. the Subscription Cashback Offer,

each as described below (together, the "Offers").

The Campaign is offered by the OKX entity with which the user is onboarded as a customer under the OKX Terms of Service ("OKX", "we", "us" or "our"). For this Campaign, eligible users must be registered with OKX Europe Limited.

The Boosted Cashback Offer begins on 19 August 2026 at 9:00 (GMT+2) and ends on 19 September 2026 at 12:00 (GMT+2) (the "Boosted Cashback Period").

The Subscription Cashback Offer runs from 19 August 2026 to 30 October 2026, inclusive (the "Subscription Cashback Period").

The period applicable to an Offer is its "Offer Period". The Offers have separate reward pools and different Offer Periods. Exhaustion or expiry of one Offer does not, by itself, end the other Offer.

2. Eligibility and enrolment

To participate, a user must:

1. 1. be at least 18 years old;
   2. be an individual user registered with OKX Europe Limited and reside in an eligible jurisdiction listed below at the time of participating;
   3. have completed all identity-verification and other compliance checks required by OKX;
   4. have activated their OKX Card before or during the applicable Offer Period and have an active OKX account and OKX Card, each in good standing;
   5. enter the relevant Campaign page and complete the displayed opt-in process during the applicable Offer Period; and
   6. satisfy these Campaign Terms and the terms referred to in section 7.

The Campaign is open to eligible new and existing users. By opting in, a user confirms that they have read, understood and agreed to these Campaign Terms. Enrolment is successful when the Campaign page confirms that the user has joined. Only transactions made after successful enrolment and during the applicable Offer Period may qualify. Enrolment is not retrospective.

Participation is limited to one main account per verified user. Sub-accounts are not eligible, and their transactions will not be included when calculating rewards. The Campaign may be unavailable to a user because of local law, the user's account status or applicable compliance restrictions.

A user who meets this section is a "Qualified Participant". Meeting the eligibility criteria or opting in does not guarantee a Campaign reward; Campaign rewards are limited and available only while the applicable monthly reward pool lasts.

3. Boosted Cashback Offer

4. Offer

During the Boosted Cashback Period, the maximum regular cashback a Qualified Participant may earn on eligible OKX Card purchases is temporarily increased from the equivalent of €10 to €20 per calendar month, subject to these Campaign Terms and availability in the Boosted Cashback monthly reward pool.

The regular cashback rate remains 2%. The Campaign does not change the rules used to determine whether a Card purchase is eligible for regular cashback under the OKX Card EEA ongoing cashback program (the "Standard Cashback Program"). The user's standard and Campaign cashback is paid in USDG.

2. Monthly cap

The €20 cap resets at the beginning of each calendar month during the Boosted Cashback Period. Cashback earned on transactions that settle between 19 August 2026 and 31 August 2026 counts toward the Qualified Participant’s August cap. Cashback earned on transactions that settle between 1 September 2026 and 19 September 2026 counts toward the Qualified Participant’s September cap. Any unused cap does not carry over to another calendar month.

Any cashback that a Qualified Participant earns under the Standard Cashback Program counts toward the applicable €20 monthly cap. Cashback earned under the Standard Cashback Program on an eligible subscription payment may count toward this cap in the ordinary way, but the separate Subscription Cashback described in section 4 does not.

The Campaign does not change any VIP cashback rate or VIP cashback cap. A user receiving VIP cashback remains subject to the then-applicable VIP cashback terms.

3. Eligible purchases and reward calculation

Only completed Card purchases that were initiated after the Qualified Participant enrolled, fully settle during the Boosted Cashback Period, and qualify for base cashback under the Standard Cashback Program may qualify for the promotional uplift.

Pending, declined, cancelled, reversed, refunded or charged-back transactions do not qualify. Excluded merchant category codes and transaction categories follow the Standard Cashback Program. This includes cash withdrawals, cash-equivalent or quasi-cash transactions, transfers, Card fees, transactions made to generate rewards artificially, and any other transaction excluded under that program.

The euro-denominated monthly cap will be converted into USDG using the prevailing EUR–USDG conversion rate applied by OKX when the reward is calculated. Any euro amount displayed in the OKX App is for reference only.

4. Limited monthly reward pools

OKX will make a separate pool of 60,000 USDG available for the Boosted Cashback Offer in each calendar month falling within the Boosted Cashback Period. The applicable monthly pool funds the promotional uplift above the ordinary monthly cashback cap.

The promotional uplift is limited and available on a first-come, first-served basis, determined by the time an eligible transaction fully settles and is recorded in OKX’s systems. Once a calendar month’s pool is exhausted, no further promotional uplift will be awarded for that month. If the Boosted Cashback Period continues into a following calendar month, a new 60,000 USDG pool will become available at the beginning of that month.

Eligible users may continue to earn ordinary Card cashback after a monthly promotional pool has been exhausted, subject to the Standard Cashback Program’s ordinary rate, cap and terms.

4. Subscription Cashback Offer

5. Offer, Eligible Providers and Monthly Reward Periods

During the Subscription Cashback Period, a Qualified Participant may receive an additional cashback reward equal to 50% of eligible settled subscription payments, up to an aggregate maximum of €10 in each Monthly Reward Period (the “Subscription Cashback”).

The following subscription providers are eligible (each an “Eligible Provider”):

• Claude;
• ChatGPT; and
• Netflix.

A Qualified Participant does not need to select only one Eligible Provider. Payments to multiple Eligible Providers may qualify during the same Monthly Reward Period, subject to the aggregate €10 cap and the other conditions in this section.

For the Subscription Cashback Offer, the “Monthly Reward Periods” are:

1. 19 August 2026 to 31 August 2026, inclusive;
2. 1 September 2026 to 30 September 2026, inclusive; and
3. 1 October 2026 to 30 October 2026, inclusive.

Subscription Cashback is separate from and additional to any cashback earned under the Standard Cashback Program on the same transaction. Subscription Cashback does not reduce or consume the Qualified Participant’s regular OKX Card cashback allowance.

2. How to qualify

To qualify for Subscription Cashback, a Qualified Participant must:

1. have an active OKX Card and set that Card as the payment method for the subscription;
2. subscribe and pay directly through an Eligible Provider’s official website, entering the OKX Card details at checkout;
3. pay for the subscription using USDG through the OKX Card; and
4. ensure the transaction fully settles during a Monthly Reward Period and while sufficient rewards remain in that Monthly Reward Period’s Subscription Cashback pool.

A payment settled using an asset other than USDG does not qualify. A payment made through an app store, in-app purchase flow, digital wallet or another intermediary does not qualify if it is recorded under the intermediary’s merchant name rather than the Eligible Provider’s merchant name. This includes payments identified as an Apple App Store or Google Play transaction. Eligibility is determined using the final merchant information and transaction data received by OKX.

Pending, declined, cancelled, reversed, refunded or charged-back transactions do not qualify. Only the amount of a fully settled eligible transaction will be used to calculate Subscription Cashback.

3. Calculation, plans and settlement timing

Subscription Cashback equals 50% of the amount of an eligible subscription transaction settled in USDG, subject to the Qualified Participant’s aggregate €10 cap for the applicable Monthly Reward Period and availability in that period’s reward pool.

Monthly and annual subscription plans may qualify:

• a qualifying monthly plan may generate Subscription Cashback for each monthly payment that settles during the Subscription Cashback Period; and
• a qualifying annual plan may generate one Subscription Cashback reward, capped at €10, in the Monthly Reward Period in which the annual payment settles. It does not generate additional rewards in later periods merely because the subscription remains active.

Eligible payments to any combination of Eligible Providers will be aggregated in settlement order until the Qualified Participant’s €10 cap for the Monthly Reward Period is reached.

A transaction must fully settle by the end of a Monthly Reward Period to count toward that period. If a transaction settles in a later Monthly Reward Period, it counts toward the later period’s cap and reward pool. A transaction that settles after the Subscription Cashback Period ends does not qualify, even if it was initiated before the end of that period.

4. Limited reward pools

OKX will make a separate pool of 60,000 USDG available for each Monthly Reward Period. Subscription Cashback is limited and available on a first-come, first-served basis, determined by the time an eligible transaction fully settles and is recorded in OKX’s systems.

Once a Monthly Reward Period’s pool is exhausted, no further Subscription Cashback will be awarded for that period. If another Monthly Reward Period follows, a new 60,000 USDG pool will become available at the start of that period.

Meeting the eligibility conditions or completing an eligible transaction does not guarantee Subscription Cashback if the applicable reward pool has been exhausted.

For more information about eligible subscription payments, see the OKX Card Subscription Cashback FAQ.

5. Reward distribution, returns and recovery

6. Boosted Cashback

Ordinary cashback up to the Standard Cashback Program’s ordinary monthly cap will be distributed in accordance with that program’s terms. The incremental promotional uplift awarded under section 3 will be paid in USDG and credited in accordance with the applicable reward-distribution process after the relevant eligible transaction has fully settled and OKX has verified eligibility.

2. Subscription Cashback

Subscription Cashback will be credited in USDG to the Qualified Participant’s OKX Pay balance once the qualifying subscription transaction has settled and OKX has verified eligibility. Card transactions typically take between one and five working days to settle.

The settlement date shown in OKX’s systems determines the Monthly Reward Period to which the transaction and Subscription Cashback apply. If expected Subscription Cashback has not appeared after the qualifying transaction has settled, the user may contact OKX Support through Live Chat and should be prepared to provide the transaction details.

3. Returns and recovery

If a qualifying transaction is later cancelled, reversed, refunded or charged back, or if a user receives a Campaign reward for which the user was not eligible, OKX may cancel or recover the corresponding reward. The user agrees to return the reward or permits OKX, to the extent allowed by applicable law, to deduct, offset or otherwise recover its value from the user's OKX account or future rewards.

USDG and other crypto-assets may fluctuate in value. A Campaign reward may not have the same value when credited, held, converted or withdrawn as it did when calculated.

6. Misuse and disqualification

OKX may review participation and transactions to identify unlawful, fraudulent, dishonest or abusive activity. This includes, without limitation:

• registering or controlling multiple accounts to obtain additional rewards;
• using another person's account, Card or identity information;
• providing false or misleading verification information;
• splitting, cycling or otherwise arranging transactions primarily to obtain rewards;
• making sham purchases, colluding with a merchant, or abusing refunds or chargebacks;
• manipulating transaction or merchant data; or
• violating these Campaign Terms, the OKX Terms of Service, the applicable OKX Card terms or applicable law.

Where OKX reasonably determines that such activity has occurred, or that a user was otherwise ineligible, OKX may withhold or recover rewards, disqualify the user from one or both Offers, suspend the user's participation, or take action on the user's account as permitted by the governing terms and applicable law.

7. Other terms and Card issuer

These Campaign Terms supplement the OKX Terms of Service, the OKX Cardholder Agreement, the Standard Cashback Program, the EEA Regional Addendum to the Pay Wallet Terms, and any other terms that apply to a Qualified Participant's account and Card (together, the "Governing Terms").

The Governing Terms continue to apply. If these Campaign Terms conflict with the Governing Terms on a matter specific to the Campaign, these Campaign Terms prevail for that Campaign-specific matter. Nothing in these Campaign Terms alters any right or obligation that cannot lawfully be altered under applicable consumer law.

Any taxes, fees and additional expenses arising from participation in the Campaign or the receipt or use of a reward are the Qualified Participant's responsibility, except where applicable law requires otherwise.

The OKX Card is issued by UAB Monavate, a company incorporated in Lithuania (company code 305628001) and authorised by the Bank of Lithuania as an Electronic Money Institution (licence number LB002139). OKX acts as the Card program manager. Use of the OKX Card is subject to the OKX Cardholder Agreement provided by the Card issuer. OKX is not responsible for the Card issuer's approval process or transaction processing.

Netflix, OpenAI/ChatGPT and Anthropic/Claude do not sponsor or administer this Campaign and are not responsible for it. All third-party names and trademarks belong to their respective owners.

8. Changes, suspension and termination

OKX may cancel, suspend, extend or end the Campaign or an Offer, or amend these Campaign Terms, where reasonably necessary, including because of legal or regulatory requirements, fraud or abuse, technical issues, events outside OKX's reasonable control, or exhaustion of a reward pool.

Where practicable, OKX will provide notice of a material change before it takes effect. Any change will not unfairly deprive a Qualified Participant of a reward already earned on an eligible transaction that settled before the change took effect, except where the participant was ineligible, breached the Governing Terms or Campaign Terms, or the reward must be withheld or recovered by law.

OKX is not responsible for a delay or failure caused by events outside its reasonable control. OKX may delay reward distribution while it investigates an eligibility, compliance, technical or fraud issue.

9. Risk notice

This campaign does not constitute and shall not be considered to be (i) investment advice or an investment recommendation; (ii) an offer or solicitation, to buy or sell crypto/digital assets; or (iii) financial, accounting, legal or tax advice. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition and risk tolerance. Please consult your legal / tax / investment professional for questions about your specific circumstances. Crypto/digital assets, including stablecoins and NFTs, are subject to market volatility, involve a high degree of risk and can lose value. Historical returns are not indicative of future returns and past performance is not indicative of future results. OKX is not responsible for any potential losses. Not all products offered in all regions and this activity may be limited or not offered in some markets. Please consult your legal / tax / investment professional for questions about your specific circumstances. This crypto-asset marketing communication has not been approved by any competent authority in any Member State.

10. Language and contact

If there is any discrepancy between the English version of these Campaign Terms and a translated version, the English version prevails, to the extent permitted by applicable law.

For questions about the Campaign, contact OKX Support through Live Chat.