BybitBybit
68
Side-by-side card comparison
Bybit vs Payy: overall score versus use-case fit
Bybit Card (Global) has the higher Overall Score by 6 points (68 vs 62). Bybit Card (Global) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Payy Card comes out ahead for Funds control.
Information checked Aug 14, 202614 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. Payy Card may be the better fit for Funds control. 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.
OverallBybit68Payy62Higher score
CashbackBybit62Payy17Higher score
TravelBybit76Payy27Higher score
Funds controlBybit47Payy97Higher score
Lowest feesBybit64Payy57Higher score
TransfersBybit78Payy68Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) comes out ahead for Cashback, Travel, 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.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
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
- Bybit68Payy62
Bybit Card (Global) has the higher Overall Score by 6 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXPayy$0 plan · 1–3% FX
Payy Card has the lower published FX fee (1–3% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%Payy0% cashback
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balancePayySelf-controlled wallet
Bybit Card (Global) uses a custodial balance setup, while Payy 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 · UnknownPayyVirtual · Apple Pay, Google Pay
Payy Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalPayy1 stablecoin · Stablecoin transfers; Payy payment links
Bybit Card (Global) lists more stablecoins and ways to send money out (4 vs 3).
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
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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.
Payy 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)Overall68Payy CardOverall62
Bybit Card (Global)Overall68Payy CardOverall62Scores
6 fields- Overall Score
- Bybit Card (Global)68Payy Card62
- Cashback score
- Bybit Card (Global)62Payy Card17
- Travel score
- Bybit Card (Global)76Payy Card27
- Funds control score
- Bybit Card (Global)47Payy Card97
- Lowest fees score
- Bybit Card (Global)64Payy Card57
- Transfers score
- Bybit Card (Global)78Payy Card68
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensivePayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Payy Card$0
- FX fee
- Bybit Card (Global)1–7%Payy Card1–3%
- Top-up fee
- Bybit Card (Global)Not disclosedPayy Card0%
- Card spending fee
- Bybit Card (Global)Not disclosedPayy Card0%
- ATM fee
- Bybit Card (Global)0–2%Payy CardNot available
- Virtual card
- Bybit Card (Global)No fee until further noticePayy CardFree; instant after KYC
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Payy CardNot disclosed
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Payy CardNot disclosed
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Payy CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaPayy CardVisa/Other network
- Card formats
- Bybit Card (Global)Virtual, PhysicalPayy CardVirtual
- ATM withdrawals
- Bybit Card (Global)AvailablePayy CardNot available
- Mobile wallets
- Bybit Card (Global)Not disclosedPayy CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidPayy 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 MexicoPayy CardNot disclosed
- 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 MexicoPayy CardNot disclosed
- 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 unsupportedPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedPayy CardPolygon, Payy Network
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoPayy CardStablecoins: USDC
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositPayy CardBank-account deposit
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Bybit Card (Global)Not disclosedPayy CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Payy Card0%
- Max cashback
- Bybit Card (Global)10%Payy Card0%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Payy CardNo cashback
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedPayy CardNot offered
- How it works
- Bybit Card (Global)Earn on spending balancePayy CardNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedPayy CardNot offered
- Use balance for spending
- Bybit Card (Global)YesPayy CardNot offered
- Lock-up
- Bybit Card (Global)NoPayy CardNot offered
Trust & availability
4 fields- Custody
- Bybit Card (Global)CustodialPayy CardSelf-custody
- Control until payment
- Bybit Card (Global)Provider controls fundsPayy 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.Payy CardThird National / Rain
- Card processing
- Bybit Card (Global)Not disclosedPayy CardRain
Sources
2 fields- Official sources
- Bybit Card (Global)9Payy Card5
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Payy CardAug 5, 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 62 for Payy Card. Payy 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%).
Payy Card still comes out ahead for Funds control, 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 Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bybit Card (Global) lists more stablecoins and ways to send money out (4 vs 3). 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 Payy Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Payy Card
05 · Common questions
Bybit vs Payy FAQ
Is Bybit or Payy better overall?
Bybit Card (Global) has the higher Overall Score (68 vs 62). 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 Payy?
Payy 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 Payy?
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 Payy differ on custody?
Bybit Card (Global) uses a custodial balance setup, while Payy 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 Payy comparison?
The latest information check for these two cards was August 14, 2026, using 14 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.