BybitBybit
72
Side-by-side card comparison
Bybit vs MPChat: where the score gap comes from
Bybit Card (Global) has the higher Overall Score by 20 points (72 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202639 official sources reviewed
01 · Where the gap opens
Bybit Card (Global) is the better all-round starting point
Bybit Card (Global) has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallBybit72MPChat52Higher score
CashbackBybit63MPChat18Compare the details below
TravelBybit80MPChat72Compare the details below
Funds controlBybit51MPChat41Compare the details below
Lowest feesBybit66MPChat60Compare the details below
TransfersBybit79MPChat58Compare the details below
Choose Bybit Card (Global) if its day-to-day setup suits you
Bybit Card (Global) does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Bybit72MPChat52
Bybit Card (Global) has the higher Overall Score by 20 points.
- Entry cost & FX
- Bybit$0 plan · 1.5–7% FXMPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1.5–7%).
- Purchase rewards
- Bybit2% base · up to 10%MPChatNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- BybitCustodial balanceMPChatCustodial balance
Bybit Card (Global) and MPChat Card use the same custodial balance setup.
- Everyday access
- BybitVirtual + Physical · Apple Pay, Google Pay · Region dependentMPChatVirtual + Physical · Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalMPChat1 stablecoin · Stablecoin transfers
Bybit Card (Global) lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 1.5–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay · Region dependent
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsBybit Card (Global)Overall72MPChat CardOverall52
Bybit Card (Global)Overall72MPChat CardOverall52Scores
6 fields- Overall Score
- Bybit Card (Global)72MPChat Card52
- Cashback score
- Bybit Card (Global)63MPChat Card18
- Travel score
- Bybit Card (Global)80MPChat Card72
- Funds control score
- Bybit Card (Global)51MPChat Card41
- Lowest fees score
- Bybit Card (Global)66MPChat Card60
- Transfers score
- Bybit Card (Global)79MPChat Card58
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessMPChat CardVirtual and physical options, No monthly card fee
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveMPChat CardPurchase fee on each spend, Effective conversion cost unclear
Costs
7 fields- Plan cost
- Bybit Card (Global)$0MPChat Card$0
- FX fee
- Bybit Card (Global)1.5–7%MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- Top-up fee
- Bybit Card (Global)Not disclosedMPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- Bybit Card (Global)Not disclosedMPChat Card$0.15 + 0.8%
- ATM fee
- Bybit Card (Global)0–2%MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- Bybit Card (Global)No fee until further noticeMPChat CardCloud: 10 USDT one time
- Physical card
- Bybit Card (Global)Free / 5 / 29.99MPChat CardBoundless: 100 USDT one time
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2MPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- Bybit Card (Global)Infinite: 10%MPChat CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaMPChat CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableMPChat CardAvailable
- Mobile wallets
- Bybit Card (Global)Apple Pay, Google Pay · Region dependentMPChat CardGoogle Pay
- Apps
- Bybit Card (Global)iOS, AndroidMPChat CardNot disclosed
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- Bybit Card (Global)$50/$15k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedMPChat CardTron (TRC20)
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoMPChat CardStablecoins: USDT
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositMPChat CardNot disclosed
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalMPChat CardStablecoin transfers
- Payout currencies
- Bybit Card (Global)Not disclosedMPChat CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%MPChat CardNot disclosed
- Max cashback
- Bybit Card (Global)10%MPChat CardNot disclosed
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)MPChat CardNot disclosed
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedMPChat CardNot offered
- How it works
- Bybit Card (Global)Earn on spending balanceMPChat CardNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedMPChat CardNot offered
- Use balance for spending
- Bybit Card (Global)YesMPChat CardNot offered
- Lock-up
- Bybit Card (Global)NoMPChat CardNot offered
Trust & availability
3 fields- Custody
- Bybit Card (Global)CustodialMPChat CardCustodial
- Control until payment
- Bybit Card (Global)Provider controls fundsMPChat 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.MPChat CardNot disclosed
Sources
2 fields- Official sources
- Bybit Card (Global)9MPChat Card30
- Last reviewed
- Bybit Card (Global)Sep 5, 2026MPChat CardSep 23, 2026
04 · The verdict
Bybit Card (Global) is the stronger all-round choice
Bybit Card (Global) finishes ahead with an Overall Score of 72 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1.5–7%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Bybit Card (Global) and MPChat Card use the same custodial balance setup.
Bybit Card (Global) lists more stablecoins and ways to send money out (4 vs 2). 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 MPChat Card reviews first.
Continue with
Bybit Card (Global)
Continue with
MPChat Card
05 · Common questions
Bybit vs MPChat FAQ
Is Bybit or MPChat better overall?
Bybit Card (Global) has the higher Overall Score (72 vs 52). 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 MPChat?
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1.5–7%). 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 MPChat?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and MPChat differ on custody?
Bybit Card (Global) and MPChat Card use the same custodial balance setup.
How current is this Bybit vs MPChat comparison?
The latest information check for these two cards was September 23, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.