Main strengths
- Spend is tied to a Bybit account balance, not a wallet-only flow.
- Physical and virtual cards are available; mobile wallets vary by programme.
- Higher tiers can raise rewards on eligible crypto-funded purchases.
Bybit silver front cardStandard card design
Stablecoin account + Mastercard/Visa card
Bybit Card (Global)
Bybit Card spends from the Funding Account through regional virtual and physical programmes, with phone-wallet support and fees set by each programme. Eligible crypto-funded purchases can earn tiered cashback and Rewards Points; fiat-funded purchases earn neither.
Partner link See details Bybit Card promo code: EXVJGK
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.
- Crypto funding at settlement; subscription rebates need VIP or non-VIP Alpha+.
01 · Core economics
Costs that matter
Bybit Card (Global) has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
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.
Provider FX markup1.5–7%2% most Global regions, including Australia; 1.5% Brazil; 7% Argentina. Kazakhstan charges a 2% international fee on cross-border purchases even in USD.
Asset conversion fee0.9%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
ItemValueWhat it means
Daily card spendNot disclosed$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN Mexico
Monthly card spendNot disclosed$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN Mexico
ATM limitNot disclosed$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 unsupported
Account depositNot disclosedUnknown
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.
Current range across the published membership tiers
USD-equivalent cashback after point conversion
Fixed approved point-to-cash conversion rate
Maximum tier cap; Auto Cashback starts at 50 points
Memberships
From October 5, 2026 at 10:00 UTC, only crypto-funded purchases earn cashback and Rewards Points. Eligibility uses merchant settlement time; fiat-funded purchases earn neither. Subscription rebates: all VIPs or non-VIP Alpha/Tier 3+, with eligible direct billing and a shared monthly cap.
1-3 / 6
Upgrade
$0/yrBase
Bybit Card
- Cashback
- 2% in USD
- Cashback Cap
- $5 / month
- Full-rate spend
- $250 / month; then 0%
- Requirement
- Default non-VIP tier
- Point cap
- 2,500 pts/mo
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrBeta
Bybit Card
- Cashback
- 2% in USD
- Cashback Cap
- $50 / month
- Full-rate spend
- $2,500 / month; then 0%
- Requirement
- VIP 1-2 or 500 USD monthly spend
- Point cap
- 25K pts/mo
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrAlpha
Bybit Card
- Cashback
- 4% in USD
- Cashback Cap
- $150 / month
- Full-rate spend
- $3,750 / month; then 0%
- Requirement
- VIP 3 or 3,500 USD monthly spend
- Point cap
- 75K pts/mo
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard/Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayRegion dependent
- Google PayRegion dependent
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
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 receive2 routes
Crypto deposits
1 route
Crypto depositsDeposits credit the linked Funding Account that directly funds Bybit Card spending.Supported cryptoFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
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 depositBank deposits fund the linked Bybit Funding Account in supported regions.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
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 settle2 routes
External crypto sends
1 route
Bybit account crypto withdrawalVia the linked Bybit Funding Account, not a direct card payout.Supported cryptoFeeAsset/network-dependentSpeedVaries by railLimitsMinimum and limits shown in the Bybit account for the selected asset and networkAvailabilityRegion-dependentDetails
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
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 withdrawalVia the linked Bybit Funding Account, not a card refund or direct card payout.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
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.
05 · Optional product
Add yield through a separate balance
Bybit Card Auto-Earn / Flexible Earn adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Spendable yield
Bybit Card Auto-Earn / Flexible Earn
Variable by asset
- Yield source
- Yield source not approved
- Asset
- Stablecoins
- Card relationship
- Yield balance can fund card spend
- Withdraw anytime
- Yes
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Bybit is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 31 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list31 countries
AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerland
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productBybit
Provides the product and account experience. Named legal operators appear separately.
Custody controlBybit + programme partners
Controls settlement until payment.
Custodial accountCard issuerFly Wallet Pty Ltd
Card issuance
Jurisdiction: Australia · Applies to: Australian Bybit Card programmeCard issuerWinway International Pty Ltd
Card arrangement and distribution
Jurisdiction: Australia · Applies to: Australian Bybit Card programmeCard issuerVortex Pay, S. de R.L. de C.V.
Card issuance
Jurisdiction: Mexico · Applies to: Mexican Bybit Card programme07 · Methodology
Why the score is 72
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
72/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift95
Everyday usability
Mastercard/Visa spending includes virtual card, physical card, region-dependent mobile wallets and ATM access.
Additional support87
Company & infrastructure
Named programme infrastructure includes Mastercard (network), Fly Wallet Pty Ltd (issuer) and Vortex Pay, S. de R.L. de C.V. (issuer).
Main constraint44
Custody & control
Custodial account; the account provider controls funds before card settlement, and a provider account is required.
08 · Offers & news
Latest from Bybit Card (Global)
Bonuses, promotions and product updates for Bybit Card (Global).
OfferUp to 120 USDTSign-up bonusActive
Bybit Card welcome package offers up to 120 USDT
Eligible newly approved Bybit Card users outside the EEA can receive 10 USDT after a qualifying top-up and up to 110 USDT from 10% cashback during their first 30 days.
No published end dateChecked Aug 25, 2026
OfferGet 10 USDTSpend bonusActive
10 USDT referral reward after qualifying Bybit Card spend
10 USDT after applying for a Bybit Card through the referral link and accumulating more than 100 USDT or equivalent in card spending.
No published end dateChecked Jul 13, 2026
News
Bybit Global limits cashback and Points to crypto-funded purchases
From October 5, Bybit Global rewards only crypto-funded card purchases. Fiat-funded purchases earn no cashback or Points. Subscription rebates cover all VIP cardholders or non-VIP users from Alpha/Tier 3.
News
Bybit Australia lists 2% FX and higher card spending limits
The Australian card schedule now shows 2% FX, a $50,000 daily spending limit and a $150,000 monthly limit.
Past offers 1
Offer2XCashbackEnded
Bybit Card offers 2X cashback on eligible summer travel spend
Registered users who claim and activate the Summer Virtual Card can receive 2X cashback on eligible travel purchases through September 15, subject to campaign eligibility and caps.
Ended Sep 15, 2026 (UTC)Checked Aug 25, 2026
09 · Card comparison
How Bybit Card (Global) compares to others
A side-by-side look at cards built around stablecoin funding, everyday card access and money movement.
1 / 3
Current card
Bybit Card (Global)
Spend is tied to a Bybit account balance, not a wallet-only flow.
- Card
- Debit Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–10%
- FX fee
- Up to 2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
Similar match
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–10%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0.5%–2%
- FX fee
- 0.2%–2.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto, Bank + Internal transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
9 sources9 officialChecked Oct 11, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Bybit Card Rewards termsOfficial source ↗Bybit Card welcome packageOfficial source ↗Bybit fees and limitsOfficial source ↗Bybit Card Australia — product disclosure statementOfficial source ↗Bybit Card Mexico — Vortex Pay terms and conditionsOfficial source ↗Bybit Card general inquiries and regional wallet matrixOfficial source ↗
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Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.