mmm, depends...
personally, I'd be looking at these comparisons:
from a USER standpoint, I think TenX has alot strong value proposition based on their fee structure alone.
plus, there's the factor of ease-of-useability.
TenX is straightforward and simple. TokenCard gets complicated with setting parameters to customize payments from a basket of different ERC-20 tokens. Some advanced users might like that customization capability, though in regards to gaining wider adoption amongst the common user, the simplicity of TenX would seem to make more sense - lest not forgot the difference in fees.
of course, there's space for both.
and I'm not sure how "Basic Advertising Token" is comparable, as it's a completely different platform and functionality than a debit card.