BybitBybit
68
Side-by-side card comparison
Bybit vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 9 points (77 vs 68). Bybit Card (Global) looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202652 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Cashback. 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.
OverallBybit68ZEN77Higher score
CashbackBybit62ZEN39Higher score
TravelBybit76ZEN96Higher score
Funds controlBybit47ZEN65Higher score
Lowest feesBybit64ZEN80Higher score
TransfersBybit78ZEN98Higher score
Choose Bybit Card (Global) if cashback matters most
Bybit Card (Global) comes out ahead for Cashback 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 ZEN Card if travel and funds control matter most
ZEN Card comes out ahead for Travel, Funds control, 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
- Bybit68ZEN77
ZEN Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%ZEN0% base
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balanceZENCustodial balance
Bybit Card (Global) and ZEN Card use the same custodial balance setup.
- Everyday access
- BybitVirtual + Physical · UnknownZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 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.
ZEN 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)Overall68ZEN CardOverall77
Bybit Card (Global)Overall68ZEN CardOverall77Scores
6 fields- Overall Score
- Bybit Card (Global)68ZEN Card77
- Cashback score
- Bybit Card (Global)62ZEN Card39
- Travel score
- Bybit Card (Global)76ZEN Card96
- Funds control score
- Bybit Card (Global)47ZEN Card65
- Lowest fees score
- Bybit Card (Global)64ZEN Card80
- Transfers score
- Bybit Card (Global)78ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Bybit Card (Global)$0ZEN Card$0
- FX fee
- Bybit Card (Global)1–7%ZEN Card0–0.5%
- Top-up fee
- Bybit Card (Global)Not disclosedZEN Card0–3%
- Card spending fee
- Bybit Card (Global)Not disclosedZEN Card0%
- ATM fee
- Bybit Card (Global)0–2%ZEN Card0–1.5%
- Virtual card
- Bybit Card (Global)No fee until further noticeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Bybit Card (Global)Free / 5 / 29.99ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2ZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Bybit Card (Global)Infinite: 10%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaZEN CardMastercard/Visa
- Card formats
- Bybit Card (Global)Virtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableZEN CardAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedZEN CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidZEN CardiOS, Android, Web
- 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 MexicoZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- 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 MexicoZEN CardNot publicly confirmed
- 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 unsupportedZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedZEN CardNot disclosed
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Bybit Card (Global)Not disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%ZEN Card0%
- Max cashback
- Bybit Card (Global)10%ZEN CardNot disclosed
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)ZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedZEN CardNot offered
- How it works
- Bybit Card (Global)Earn on spending balanceZEN CardNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedZEN CardNot offered
- Use balance for spending
- Bybit Card (Global)YesZEN CardNot offered
- Lock-up
- Bybit Card (Global)NoZEN CardNot offered
Trust & availability
4 fields- Custody
- Bybit Card (Global)CustodialZEN CardCustodial
- Control until payment
- Bybit Card (Global)Provider controls fundsZEN 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.ZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Bybit Card (Global)Not disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- Bybit Card (Global)9ZEN Card43
- Last reviewed
- Bybit Card (Global)Aug 14, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 68 for Bybit Card (Global). ZEN Card has the lower published FX fee (0–0.5% vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
Bybit Card (Global) still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) and ZEN Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 4). 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 ZEN Card reviews first.
Continue with
Bybit Card (Global)
Continue with
ZEN Card
05 · Common questions
Bybit vs ZEN FAQ
Is Bybit or ZEN better overall?
ZEN Card has the higher Overall Score (77 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 ZEN?
ZEN Card has the lower published FX fee (0–0.5% 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 ZEN?
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 ZEN differ on custody?
Bybit Card (Global) and ZEN Card use the same custodial balance setup.
How current is this Bybit vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.