BybitBybit
68
Side-by-side card comparison
Bybit vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 7 points (75 vs 68). Bybit Card (Global) looks stronger for Travel, while Holyheld Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 14, 202637 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Travel. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBybit68Holyheld75Higher score
CashbackBybit62Holyheld64Higher score
TravelBybit76Holyheld68Higher score
Funds controlBybit47Holyheld74Higher score
Lowest feesBybit64Holyheld67Higher score
TransfersBybit78Holyheld81Higher score
Choose Bybit Card (Global) if travel matters most
Bybit Card (Global) comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Bybit68Holyheld75
Holyheld Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Holyheld Card has the lower published FX fee (Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%Holyheld0.5% base · up to 1%
Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- BybitCustodial balanceHolyheldHybrid custody
Bybit Card (Global) uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BybitVirtual + Physical · UnknownHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 1–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bybit Card (Global)
Get 10 USDT
10 USDT referral reward after qualifying Bybit Card spend
- Spend more than 100 USDT or equivalent with the Bybit Card.
Bybit Card promo codeEXVJGK
Offer terms can change. Check the current Bybit Card referral programme before applying.
Holyheld Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBybit Card (Global)Overall68Holyheld CardOverall75
Bybit Card (Global)Overall68Holyheld CardOverall75Scores
6 fields- Overall Score
- Bybit Card (Global)68Holyheld Card75
- Cashback score
- Bybit Card (Global)62Holyheld Card64
- Travel score
- Bybit Card (Global)76Holyheld Card68
- Funds control score
- Bybit Card (Global)47Holyheld Card74
- Lowest fees score
- Bybit Card (Global)64Holyheld Card67
- Transfers score
- Bybit Card (Global)78Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Holyheld Card$0
- FX fee
- Bybit Card (Global)1–7%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Bybit Card (Global)Not disclosedHolyheld Card0%
- Card spending fee
- Bybit Card (Global)Not disclosedHolyheld Card€0.50
- ATM fee
- Bybit Card (Global)0–2%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Bybit Card (Global)No fee until further noticeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Holyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Holyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaHolyheld CardMastercard
- Card formats
- Bybit Card (Global)Virtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableHolyheld CardAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedHolyheld CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $13.5k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $27k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Bybit Card (Global)$50/$1.8k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositHolyheld CardPersonal EUR IBAN
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Bybit Card (Global)Not disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Holyheld Card0.5%
- Max cashback
- Bybit Card (Global)10%Holyheld Card1%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Holyheld CardUSDC
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedHolyheld CardNot disclosed
- How it works
- Bybit Card (Global)Earn on spending balanceHolyheld CardOptional earn vault
- Separate deposit
- Bybit Card (Global)Not disclosedHolyheld CardYes
- Use balance for spending
- Bybit Card (Global)YesHolyheld CardNot disclosed
- Lock-up
- Bybit Card (Global)NoHolyheld CardNo
Trust & availability
5 fields- Custody
- Bybit Card (Global)CustodialHolyheld CardHybrid custody
- Control until payment
- Bybit Card (Global)Provider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Holyheld CardUnlimit EU Ltd
- Identity verification
- Bybit Card (Global)Not disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Bybit Card (Global)Not disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Bybit Card (Global)9Holyheld Card28
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 68 for Bybit Card (Global). Holyheld Card has the lower published FX fee (Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%).
Bybit Card (Global) still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bybit Card (Global) and Holyheld Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Holyheld Card
05 · Common questions
Bybit vs Holyheld FAQ
Is Bybit or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 68). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bybit or Holyheld?
Holyheld Card has the lower published FX fee (Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency vs 1–7%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bybit or Holyheld?
Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and Holyheld differ on custody?
Bybit Card (Global) uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit vs Holyheld comparison?
The latest information check for these two cards was August 14, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.