https://www.reddit.com/r/Bitcoin/comments/3nh3ml/xapo_ecoin_hidden_fees/
We see a similar issue with advcash's exchange rates. This leave Bit-X as the only honest Bitcoin debit card service, in my opinion. They use the market exchange rates for card transactions and all fees are stated clearly: https://bit-x.com/guide/bitx-cards
When you use your debit card we collect the bitcoins you are using and sell them in the market. There is a charge for this and therefore a fee.
I will notify our team to make this more clearly visible and stated in our FAQs.
As for Bit-X if I'm not mistaken they charge you $10 to activate your card, $3 per month active fee or $10 per month inactive fee, $10 per ATM use fee, $3 per point of sale use fee and a 5% currency conversion if you use your card in a non-US or non-EURO currency.