BybitBybit
72
Side-by-side card comparison
Bybit vs MPChat
Bybit Card (Global) has the higher Overall Score by 20 points (72 vs 52). Bybit Card (Global) also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202639 official sources reviewed
Bybit Card (Global)
Best fit
- Spending supported crypto already held in your Bybit account.
- Earning convertible Bybit Points on eligible crypto-funded purchases.
- Using eligible Flexible Earn balances for card payments through Auto-Earn.
Before you choose
- Fiat-funded purchases earn neither cashback nor Rewards Points.
- Crypto conversion usually costs 0.9%; regional FX fees can add more.
- Base rewards cap at $5/month; higher caps require spend or VIP status.
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Fees & features
Compare the details
CardsBybit Card (Global)Overall72MPChat CardOverall52
Bybit Card (Global)Overall72MPChat CardOverall52Scores
- 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
Costs
- Plan cost
- Bybit Card (Global)$0MPChat Card$0
- FX fee
- Bybit Card (Global)1.5–7%MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are 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$0.10 + 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 & rewards
- 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
- 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
Everyday use
- 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
- 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
Earn
- 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
- 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
Sign-up Offers
Bybit Card (Global)
Partner offerGet 10 USDT
Spend more than 100 USDT or equivalent with the Bybit Card.
Offer details & conditions
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Choosing between these cards
When to choose Bybit or MPChat
Matching the card to your plans
Bybit: Spending supported crypto already held in your Bybit account. MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance.
Conditions that change the choice
Bybit: Fiat-funded purchases earn neither cashback nor Rewards Points. MPChat: Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
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; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are 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 November 12, 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.