To the question, Where can I use my Xapo Debit Card? Their reply is:
To the very best of my knowledge, Visa and Mastercard are accepted everywhere but the Xapo card isn't accepted anywhere. No shops and no ATMs.
Then, there are fees.
http://help.xapo.com/95219-What-fees-are-associated-with-the-Xapo-Debit-Card
You must pay to get the card, you must pay every month to keep it, and you must pay to withdraw money. Are those guys serious? They have a lot to learn if they have any intention to compete with the banking sector.
I'm also surprised that all their fees are in fiat currencies. Shouldn't they be in BTC?