BybitBybit
68
Side-by-side card comparison
Bybit vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 5 points (73 vs 68). Bybit Card (Global) looks stronger for Cashback and Travel, while Kolo Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 28, 202637 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Cashback and 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.
OverallBybit68Kolo73Higher score
CashbackBybit62Kolo54Higher score
TravelBybit76Kolo70Higher score
Funds controlBybit47Kolo56Higher score
Lowest feesBybit64Kolo83Higher score
TransfersBybit78Kolo92Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) comes out ahead for Cashback and 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 Kolo Card if funds control and lowest fees matter most
Kolo Card comes out ahead for 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- Bybit68Kolo73
Kolo Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%Kolo1% base · up to 2%
Bybit Card (Global) has the higher published base cashback rate (2% vs 1%).
- Funds control
- BybitCustodial balanceKoloCustodial balance
Bybit Card (Global) and Kolo Card use the same custodial balance setup.
- Everyday access
- BybitVirtual + Physical · UnknownKoloVirtual · Apple Pay, Google Pay
Kolo Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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.
Kolo 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)Overall68Kolo CardOverall73
Bybit Card (Global)Overall68Kolo CardOverall73Scores
6 fields- Overall Score
- Bybit Card (Global)68Kolo Card73
- Cashback score
- Bybit Card (Global)62Kolo Card54
- Travel score
- Bybit Card (Global)76Kolo Card70
- Funds control score
- Bybit Card (Global)47Kolo Card56
- Lowest fees score
- Bybit Card (Global)64Kolo Card83
- Transfers score
- Bybit Card (Global)78Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Kolo Card$0
- FX fee
- Bybit Card (Global)1–7%Kolo Card1%
- Top-up fee
- Bybit Card (Global)Not disclosedKolo Card0%
- Card spending fee
- Bybit Card (Global)Not disclosedKolo CardNot disclosed
- ATM fee
- Bybit Card (Global)0–2%Kolo Card$1 + 0.65%
- Virtual card
- Bybit Card (Global)No fee until further noticeKolo CardFree
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Kolo CardNot disclosed
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaKolo CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Bybit Card (Global)AvailableKolo CardAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedKolo CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidKolo CardiOS, Android
- 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 MexicoKolo Card$9,000/day
- 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 MexicoKolo Card$9,000/month
- 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 unsupportedKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedKolo CardNot disclosed
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositKolo CardNot disclosed
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Bybit Card (Global)Not disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Kolo Card1%
- Max cashback
- Bybit Card (Global)10%Kolo Card2%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Kolo CardBTC cashback
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedKolo CardNot offered
- How it works
- Bybit Card (Global)Earn on spending balanceKolo CardNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedKolo CardNot offered
- Use balance for spending
- Bybit Card (Global)YesKolo CardNot offered
- Lock-up
- Bybit Card (Global)NoKolo CardNot offered
Trust & availability
5 fields- Custody
- Bybit Card (Global)CustodialKolo CardCustodial
- Control until payment
- Bybit Card (Global)Provider controls fundsKolo 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.Kolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Bybit Card (Global)Not disclosedKolo CardSumSub
- Programme operator
- Bybit Card (Global)Not disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Bybit Card (Global)9Kolo Card28
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 68 for Bybit Card (Global). Kolo Card has the lower published FX fee (1% vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 1%).
Bybit Card (Global) still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Kolo Card
05 · Common questions
Bybit vs Kolo FAQ
Is Bybit or Kolo better overall?
Kolo Card has the higher Overall Score (73 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 Kolo?
Kolo Card has the lower published FX fee (1% 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 Kolo?
Bybit Card (Global) has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and Kolo differ on custody?
Bybit Card (Global) and Kolo Card use the same custodial balance setup.
How current is this Bybit vs Kolo comparison?
The latest information check for these two cards was August 28, 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.