Why it stands out
- Spend is tied to a Bybit account balance, not a wallet-only flow.
- Bybit lists physical, virtual, Apple Pay and Google Pay access.
- Higher Bybit Card tiers can raise cashback above the base rate.
Bybit silver front cardStandard card design
Stablecoin account + Mastercard card
Bybit Card (Global)
An exchange-linked Mastercard for spending a Bybit account balance, with physical and virtual cards, phone wallets and tiered cashback. Best if Bybit is already your main account; weaker if you want self-custody or one simple global fee schedule.
Points rewardsTiered rewardsFree base planPhysical cardStablecoin spendFiat top-up
available information says availability is region-dependent.
View Bybit Compare card
10 USDT referral reward after qualifying Bybit Card spend
- Apply for a Bybit Card using this referral link.
- Spend more than 100 USDT or equivalent with the Bybit Card.
Main trade-offs
- Card spend depends on Bybit account access and provider controls.
- The FX fee range is broad, so non-USD spend needs a region check.
- Rewards and eligibility depend on tier rules and local availability.
01 · Core economics
Costs that matter
Bybit is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Card fundingFunding AccountNo separate card balance or direct top-up; the card spends from Funding Account or eligible Flexible Easy Earn. Deposit costs vary by method and region.
Foreign exchange2%2% most Global regions · 1% Australia · 1.5% Brazil · 7% Argentina
Crypto conversion0.9%0.9% most Global regions · 0.5% Argentina · applies when funded with non-fiat assets
ATM withdrawal2% after monthly allowanceFree monthly: 100 USD/equivalent Australia/Brazil/Georgia/AIFC/Asia Pacific/Mexico · 95,000 ARS Argentina · Peru unsupported
Physical cardFree / 5 / 29.9929.99 USD/USDT Australia/Georgia · 5 USD/USDT Argentina/AIFC/Asia Pacific · free Brazil/Mexico and VIPs in Australia/Georgia/AIFC/Asia Pacific · Peru unavailable
Limits and secondary feesLimits and other fees
Daily card spendAustralia $13,500/day; Argentina $5,000/day; AIFC $5,000/day; AsiaPacificTier1 $10,000/day; AsiaPacificTier2 $50,000/day; AsiaPacificTier3 $100,000/day; Georgia $15,000/day; Kazakhstan $5,000/dayListed
Monthly card spendMonthly program cap shown in app; cashback caps are tiered separatelyListed
ATM limitUnknownListed
Account depositUnknownListed
02 · Plans & rewards
Choose the plan and the rewards together
Bybit Card (Global) keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest approved purchase reward rate
Conditional — not the automatic rate
Rewards Points / token airdrop
Highest approved tier cap
Memberships
Upgrade
$0/yrBase
Bybit Card
- Cashback
- 2% in Points on first $5/mo
- Requirement
- Default non-VIP tier
- Point cap
- 2,500 pts/mo
- Merchant rebates
- —
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrBeta
Bybit Card
- Cashback
- 2% in Points on first $50/mo
- Requirement
- VIP 1-2 or 500 USD monthly spend
- Point cap
- 25K pts/mo
- Merchant rebates
- Tier 2+
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrAlpha
Bybit Card
- Cashback
- 4% in Points on first $150/mo
- Requirement
- VIP 3 or 3,500 USD monthly spend
- Point cap
- 75K pts/mo
- Merchant rebates
- —
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Bybit
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive · 2 routesCrypto depositsSupported cryptoBank depositsLocal bank
Crypto deposits
1 route
Crypto deposits
Deposits credit the linked Funding Account that directly funds Bybit Card spending.
Supported crypto
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Supported asset and network combinations
Fee scope
Receive fee not publicly confirmed
Limit scope
Deposit limits not publicly confirmed
Restrictions
Via Bybit Funding Account, not a direct card top-up. Available assets and networks vary by account, asset and jurisdiction.
Bank deposits
1 route
Bybit account bank deposit
Bank deposits fund the linked Bybit Funding Account in supported regions.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Bank deposits fund the linked Bybit Funding Account in supported regions. Availability is the intersection of the account rail and card eligibility; this is not a direct card top-up.
Fee scope
Not publicly confirmed; shown in the Bybit account for the selected currency and method
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Bybit Card has no separate wallet balance and spends from the linked Funding Account or eligible Flexible Easy Earn balance.
Money outWays to send, withdraw or settle · 2 routesExternal crypto sendsSupported cryptoBank transfers & payoutsLocal bank
External crypto sends
1 route
Bybit account crypto withdrawal
Via the linked Bybit Funding Account, not a direct card payout.
Supported crypto
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External blockchain address via the network selected in the Bybit account; asset, network and regional availability vary
Fee scope
Not publicly confirmed; shown in the Bybit account for the selected asset and network
Limit scope
Not publicly confirmed
Restrictions
Via the linked Bybit Funding Account, not a direct card payout. This route is relevant because the same provider-account balance explicitly funds card spending.
Bank transfers & payouts
1 route
Bybit account fiat withdrawal
Via the linked Bybit Funding Account, not a card refund or direct card payout.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Fiat withdrawal to a bank account where available; methods and currencies vary by region
Fee scope
Not publicly confirmed; shown in the Bybit account for the selected currency and method
Limit scope
Not publicly confirmed
Restrictions
Via the linked Bybit Funding Account, not a card refund or direct card payout. Availability is limited to the overlap between the account withdrawal method and card eligibility.
06 · Trust and eligibility
Where Bybit is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Card access varies by country or programme.
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productBybit
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlBybit + programme partners
Controls settlement until payment.
Custodial account07 · Methodology
Why the score is 61
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
61/100
ConditionalHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support71
Funding & transfers
2 inbound and 2 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
Main constraint44
Custody & control
Custodial account; the account provider controls funds before card settlement, and a provider account is required.
08 · Evidence
Sources
8 sources8 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Bybit Debit Card | Unlock crypto rewards | Up to 10% cashbackOfficial source ↗Fees and Limits (Bybit Card) - Help CenterOfficial source ↗https://www.bybit.com/en/legal/bybit-card/Bybit-Cardholder-Terms-Conditions-Asia-PacificOfficial source ↗Introduction to Bybit Card Rewards - Help CenterOfficial source ↗FAQ — Bybit Card Rewards - Help CenterOfficial source ↗- Help CenterOfficial source ↗
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