BybitBybit
68
Side-by-side card comparison
Bybit vs Karta Personal: overall score versus use-case fit
Bybit Card (Global) has the higher Overall Score by 7 points (68 vs 61). Bybit Card (Global) looks stronger for Cashback, Travel, and Lowest fees, while Karta Personal Card comes out ahead for Funds control and Transfers.
Information checked Aug 14, 202634 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (Global) is the better all-round starting point
Bybit Card (Global) has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control and Transfers. 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.
OverallBybit68Karta Personal61Higher score
CashbackBybit62Karta Personal14Higher score
TravelBybit76Karta Personal46Higher score
Funds controlBybit47Karta Personal92Higher score
Lowest feesBybit64Karta Personal53Higher score
TransfersBybit78Karta Personal90Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) comes out ahead for Cashback, Travel, and Lowest fees 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 Karta Personal Card if funds control and transfers matter most
Karta Personal Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- Bybit68Karta Personal61
Bybit Card (Global) has the higher Overall Score by 7 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXKarta Personal$0 plan · 1–3% FX
Karta Personal Card has the lower published FX fee (1–3% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%Karta Personal0% cashback
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balanceKarta PersonalSelf-controlled wallet
Bybit Card (Global) uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BybitVirtual + Physical · UnknownKarta PersonalVirtual · Apple Pay, Google Pay
Karta Personal Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 4).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 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.
Karta Personal 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)Overall68Karta Personal CardOverall61
Bybit Card (Global)Overall68Karta Personal CardOverall61Scores
6 fields- Overall Score
- Bybit Card (Global)68Karta Personal Card61
- Cashback score
- Bybit Card (Global)62Karta Personal Card14
- Travel score
- Bybit Card (Global)76Karta Personal Card46
- Funds control score
- Bybit Card (Global)47Karta Personal Card92
- Lowest fees score
- Bybit Card (Global)64Karta Personal Card53
- Transfers score
- Bybit Card (Global)78Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Karta Personal Card$0
- FX fee
- Bybit Card (Global)1–7%Karta Personal Card1–3%
- Top-up fee
- Bybit Card (Global)Not disclosedKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Bybit Card (Global)Not disclosedKarta Personal Card1.5%
- ATM fee
- Bybit Card (Global)0–2%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Bybit Card (Global)No fee until further noticeKarta Personal Card5 USDT one-time
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Karta Personal CardNot disclosed
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaKarta Personal CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Bybit Card (Global)AvailableKarta Personal CardAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedKarta Personal CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidKarta Personal CardNo app listed
- 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 MexicoKarta Personal Card$25,000 per transaction; no universal daily amount published
- 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 MexicoKarta Personal CardNot publicly disclosed; limits are dynamic
- 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 unsupportedKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositKarta Personal CardBank deposits
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Bybit Card (Global)Not disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Karta Personal Card0%
- Max cashback
- Bybit Card (Global)10%Karta Personal Card0%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Karta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedKarta Personal CardNot offered
- How it works
- Bybit Card (Global)Earn on spending balanceKarta Personal CardNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedKarta Personal CardNot offered
- Use balance for spending
- Bybit Card (Global)YesKarta Personal CardNot offered
- Lock-up
- Bybit Card (Global)NoKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Bybit Card (Global)CustodialKarta Personal CardSelf-custody
- Control until payment
- Bybit Card (Global)Provider controls fundsKarta Personal CardYou keep control
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Karta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Bybit Card (Global)Not disclosedKarta Personal CardPrivy
- Identity verification
- Bybit Card (Global)Not disclosedKarta Personal CardSumsub
- Programme operator
- Bybit Card (Global)Not disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Bybit Card (Global)9Karta Personal Card25
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Bybit Card (Global) is the stronger all-round choice
Bybit Card (Global) finishes ahead with an Overall Score of 68 versus 61 for Karta Personal Card. Karta Personal Card has the lower published FX fee (1–3% vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
Karta Personal Card still comes out ahead for Funds control and Transfers, 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 Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 4). 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 Karta Personal Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Karta Personal Card
05 · Common questions
Bybit vs Karta Personal FAQ
Is Bybit or Karta Personal better overall?
Bybit Card (Global) has the higher Overall Score (68 vs 61). 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 Karta Personal?
Karta Personal Card has the lower published FX fee (1–3% 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 Karta Personal?
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and Karta Personal differ on custody?
Bybit Card (Global) uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit vs Karta Personal comparison?
The latest information check for these two cards was August 14, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.