Cardcosmic vs Cardify Africa: Which Should You Trade With?
Score by dimension
| Dimension | Cardcosmic | Cardify Africa |
|---|---|---|
| Gift card rates | 7.8 / 10Cardcosmic wins | 6.8 / 10 |
| Payout speed | 9.0 / 10Cardcosmic wins | 3.5 / 10 |
| Trade experience | 8.5 / 10Cardcosmic wins | 4.0 / 10 |
| Support & disputes | 8.5 / 10Cardcosmic wins | 6.0 / 10 |
| KYC & onboarding | N/A | 8.5 / 10Cardify Africa wins |
| Product quality | 7.0 / 10 | 8.0 / 10Cardify Africa wins |
| Other features | 4.0 / 10 | 9.0 / 10Cardify Africa wins |
| Security & trust | 8.0 / 10 | 8.0 / 10 |
| Reputation | 9.0 / 10Cardcosmic wins | 8.0 / 10 |
| App reviews | 8.6 / 10Cardcosmic wins | 8.2 / 10 |
| Overall | 7.8 / 10 | 7.0 / 10 |
Side-by-side facts
| Detail | Cardcosmic | Cardify Africa |
|---|---|---|
| Rate received (latest test) | The tested $20 US Razer Gold e-code was quoted at ₦1,107 per dollar. Cardcosmic displayed a sale price of ₦22,140, which matched the amount received in the bank. | Not recorded |
| Tested payout time (latest test) | 2 minutes | 14 hours 57 minutes |
| Bank withdrawal time (latest test) | 2 minutes | 1 minute |
| Support first response | 3 minutes | 5 minutes |
| KYC time | Not tested | 5 minutes |
| Payout methods | Bank Transfer | Bank Transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox | Amazon, Razer Gold |
| KYC requirements | Cardcosmic did not request identity verification during our test. The account was created using a full name, email address, phone number and password. | The KYC process began with basic verification using a phone OTP and email address. Level 2 offered verification with either a BVN or NIN, while Level 3 required an accepted identity document, a selfie and a utility bill. The researcher completed the KYC process in five minutes. |
| Fee structure | No gift card trading fee was recorded during our test. Cardcosmic charged ₦100 to withdraw from the wallet to a bank account. The wallet balance before withdrawal was ₦22,240, and the researcher received ₦22,140 in the bank. | Cardify did not charge a fee for the gift card trade. The completed trade credited ₦14,000 to the researcher’s Cardify wallet. Cardify then charged a ₦100 withdrawal fee, so ₦13,900 reached the researcher’s bank account. |
Frequently asked questions
Is Cardcosmic or Cardify Africa better overall?
Cardcosmic is better overall. It scores 7.8 out of 10 against 7.0 for Cardify Africa, based on our own trades on both platforms.
Which gives a better gift card rate, Cardcosmic or Cardify Africa?
Cardcosmic rated better on the card we traded. Our gift card rates score is 7.8 for Cardcosmic and 6.8 for Cardify Africa. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Cardcosmic or Cardify Africa?
Cardcosmic paid out faster in our test: 2 minutes to complete the trade against 14 hours 57 minutes on Cardify Africa. That is the tested payout time, measured from card submission to the trade value being credited; a later bank withdrawal is recorded separately.
Which has faster customer support, Cardcosmic or Cardify Africa?
Cardcosmic replied first. Support took 3 minutes to answer at Cardcosmic and 5 minutes at Cardify Africa when we contacted them during testing.