BybitBybit
68
Side-by-side card comparison
Bybit vs XPlace: same score, different trade-offs
Bybit Card (Global) and XPlace Card share an Overall Score of 68. Bybit Card (Global) looks stronger for Cashback, Travel, and Transfers, while XPlace Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 27, 202635 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Bybit Card (Global) and XPlace Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallBybit68XPlace68Same score
CashbackBybit62XPlace49Higher score
TravelBybit76XPlace61Higher score
Funds controlBybit47XPlace67Higher score
Lowest feesBybit64XPlace69Higher score
TransfersBybit78XPlace62Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) comes out ahead for Cashback, Travel, 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 and lowest fees matter most
XPlace Card comes out ahead for Funds control and Lowest fees 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Bybit68XPlace68
Both cards have the same displayed Overall Score of 68.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%XPlace0.5% base · up to 4%
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 · UnknownXPlaceVirtual + Physical · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 2).
- 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 tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 0.5%-4%
- 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
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsBybit Card (Global)Overall68XPlace CardOverall68
Bybit Card (Global)Overall68XPlace CardOverall68Scores
6 fields- Overall Score
- Bybit Card (Global)68XPlace Card68
- Cashback score
- Bybit Card (Global)62XPlace Card49
- Travel score
- Bybit Card (Global)76XPlace Card61
- Funds control score
- Bybit Card (Global)47XPlace Card67
- Lowest fees score
- Bybit Card (Global)64XPlace Card69
- Transfers score
- Bybit Card (Global)78XPlace 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)1–7%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 available
- Mobile wallets
- Bybit Card (Global)Not disclosedXPlace CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidXPlace 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 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 · $27k 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/$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 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 Card4%
- 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 Card26
- Last reviewed
- Bybit Card (Global)Aug 14, 2026XPlace CardAug 27, 2026
04 · The closer call
Bybit Card (Global) and XPlace Card need a closer personal call
The Overall Score ends level at 68, so there is no honest all-round winner here. XPlace Card has the lower published FX fee (0–1% vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0.5%).
Bybit Card (Global) looks stronger for Cashback, Travel, and Transfers, while XPlace Card comes out ahead for Funds control and Lowest fees. 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). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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) and XPlace Card tie at 68 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Bybit or XPlace?
XPlace Card has the lower published FX fee (0–1% 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 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 August 27, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.