BybitBybit
72
Side-by-side card comparison
Bybit vs XPlace: overall score versus use-case fit
Bybit Card (Global) has the higher Overall Score by 4 points (72 vs 68). Bybit Card (Global) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while XPlace Card comes out ahead for Funds control.
Information checked Oct 11, 202636 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. XPlace 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.
OverallBybit72XPlace68Higher score
CashbackBybit63XPlace49Higher score
TravelBybit80XPlace65Higher score
Funds controlBybit51XPlace67Higher score
Lowest feesBybit66XPlace65Higher score
TransfersBybit79XPlace62Higher 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 XPlace Card if funds control matters most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- Bybit72XPlace68
Bybit Card (Global) has the higher Overall Score by 4 points.
- Entry cost & FX
- Bybit$0 plan · 1.5–7% FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 1.5–7%).
- Purchase rewards
- Bybit2% base · up to 10%XPlace0.5% base · up to 2%
Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- BybitCustodial balanceXPlaceHybrid custody
Bybit Card (Global) uses a custodial balance setup, while XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BybitVirtual + Physical · Apple Pay, Google Pay · Region dependentXPlaceVirtual + Physical · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalXPlace2 stablecoins · Stablecoin transfers
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
- 1.5–7%
- 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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, 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.
XPlace 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)Overall72XPlace CardOverall68
Bybit Card (Global)Overall72XPlace CardOverall68Scores
6 fields- Overall Score
- Bybit Card (Global)72XPlace Card68
- Cashback score
- Bybit Card (Global)63XPlace Card49
- Travel score
- Bybit Card (Global)80XPlace Card65
- Funds control score
- Bybit Card (Global)51XPlace Card67
- Lowest fees score
- Bybit Card (Global)66XPlace Card65
- Transfers score
- Bybit Card (Global)79XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Bybit Card (Global)$0XPlace Card$0
- FX fee
- Bybit Card (Global)1.5–7%XPlace Card0–1%
- Top-up fee
- Bybit Card (Global)Not disclosedXPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Bybit Card (Global)Not disclosedXPlace Card0%
- ATM fee
- Bybit Card (Global)0–2%XPlace CardNot available
- Virtual card
- Bybit Card (Global)No fee until further noticeXPlace CardNot disclosed
- Physical card
- Bybit Card (Global)Free / 5 / 29.99XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2XPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Bybit Card (Global)Infinite: 10%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaXPlace CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableXPlace CardNot disclosed
- Mobile wallets
- Bybit Card (Global)Apple Pay, Google Pay · Region dependentXPlace CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidXPlace CardiOS, Android
- 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 MexicoXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- 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 MexicoXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- 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 unsupportedXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedXPlace CardSolana
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoXPlace CardStablecoins: USDC
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositXPlace CardNot disclosed
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalXPlace CardStablecoin transfers
- Payout currencies
- Bybit Card (Global)Not disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%XPlace Card0.5%
- Max cashback
- Bybit Card (Global)10%XPlace Card2%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)XPlace CardUSDC
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedXPlace CardUp to 6.15% APY
- How it works
- Bybit Card (Global)Earn on spending balanceXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Bybit Card (Global)Not disclosedXPlace CardYes
- Use balance for spending
- Bybit Card (Global)YesXPlace CardNo
- Lock-up
- Bybit Card (Global)NoXPlace CardNo
Trust & availability
5 fields- Custody
- Bybit Card (Global)CustodialXPlace CardHybrid custody
- Control until payment
- Bybit Card (Global)Provider controls fundsXPlace 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.XPlace CardThird National
- Card processing
- Bybit Card (Global)Not disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- Bybit Card (Global)Not disclosedXPlace CardSumsub
Sources
2 fields- Official sources
- Bybit Card (Global)9XPlace Card27
- Last reviewed
- Bybit Card (Global)Oct 11, 2026XPlace CardSep 20, 2026
04 · The trade-off
Bybit Card (Global) is the stronger all-round choice
Bybit Card (Global) finishes ahead with an Overall Score of 72 versus 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs 1.5–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%).
XPlace 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 XPlace Card uses a hybrid custody 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 XPlace Card reviews first.
Continue with
Bybit Card (Global)
Continue with
XPlace Card
05 · Common questions
Bybit vs XPlace FAQ
Is Bybit or XPlace better overall?
Bybit Card (Global) has the higher Overall Score (72 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 XPlace?
XPlace Card has the lower published FX fee (0–1% 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 XPlace?
Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and XPlace differ on custody?
Bybit Card (Global) uses a custodial balance setup, while XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit vs XPlace comparison?
The latest information check for these two cards was October 11, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.