Standard
Free
- Cashback Rate
- 1.5%
- Monthly eligible-spend cap
- $2,000
- Reserve Rate
- 8%*
- Card Type
- VISA Platinum
- KAST Points**
- —
- Perks
- 2 free cards (virtual or physical)
USD Reserve Account
Your dollars shouldn't sit still.
Set aside part of your USD balance and rewards land every day. No lock-ups, no notice periods, no withdrawal fees — it stays yours to spend.
Reserve Calculator
with a 10% reward rate
$2$500,000
In one year, you can earn up to:
$1,639
10% on your first $50,000, then 8% on the balance above it.
Estimate assumes one year at the 2026 introductory rate with no withdrawals. Rewards, not interest. The 2026 rate is an introductory offer and changes from 1 July 2027. See terms.
Premium
$1,000 / year
- Cashback Rate
- 2%
- Monthly eligible-spend cap
- $10,000
- Reserve Rate
- 10%*
- Card Type
- VISA Infinite
- KAST Points**
- Equivalent to 1% of eligible spend
- Perks
- 1 free Premium card (virtual & physical) + Standard allowance
Private
$10,000 / year
- Cashback Rate
- 3%
- Monthly eligible-spend cap
- $40,000
- Reserve Rate
- 12%*
- Card Type
- VISA Infinite
- KAST Points**
- Equivalent to 2% of eligible spend
- Perks
- 1 free plated gold card + 2 free cards from any other tier
- *Offer ends 1 July 2027.
- **KAST Points earning will end on 30 November 2026.
Cashback is earned on eligible card purchases only, up to each tier's monthly spend cap; some merchant categories are excluded. KAST Points are not cash and have no guaranteed monetary value. Rewards Terms apply.
Earn. Redeem. Keep going.
- 1
Earn
Provisional cashback appears when an eligible purchase is authorized. It becomes redeemable after settlement, the applicable timelock and eligibility checks.
- 2
Redeem
Once it clears, redeem all or part of your cashback in one tap. Cashback on refunded, reversed or ineligible purchases may be clawed back.
- 3
Spend
Redeemed cashback applies first to your next eligible card purchase. It can't be withdrawn or transferred out.
Built for operators, not bank branches.
Why Reserve
Your Reserve Account balance is always available to spend, with no lock-ups or restrictions.
Rewards land every day, ready to use immediately.
Move money in and out freely. No withdrawal fees.
Funded by KAST.
KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate balance sheet.
Customer funds are held conservatively in stablecoins and treasury equivalents. That is the whole mechanism. No loops, no derivatives, no catch.
Until 1 July 2027
Standard 8%. Premium 10% on the first $50,000. Private 12% on the first $200,000. Balances above the cap earn 8%.
KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate balance sheet.
FAQ
KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate balance sheet.
No. Move it in and out anytime. Spend straight from it.
Posted daily to your spending balance, ready to use.
$2 to move in, and to earn for the day.
They land in your spending balance, not Reserve. Move them back manually.
The 2026 rate is introductory and steps down on 1 Jul 2027.
No, and it is not insured. It is a KAST rewards product.
Get the reward schedule in writing.
We will send the reward rate for your tier, what a balance like yours can earn up to over a year, and the rate that applies from 1 July 2027. Rates are set by KAST and can change; nothing here is a guarantee.
