Since you are asking about spending of crypto, I think I will go for the Debit card because it is more easier to make use of in any country then using just the mobile wallet. Crypto is not used in all countries to make purchase so even if you have the wallet, you will need to find a way to convert those funds to fiat in other to spend, but when making use of the card, you can just go to anywhere of your choice and make payment for purchase without converting to fiat.