Main strengths
- 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/Visa card
Bybit Card (Global)
Bybit Card turns an existing Funding Account into physical, virtual and phone-wallet Mastercard spending, with cashback that rises by tier. Funding, card access and reward eligibility depend on the Bybit account, tier rules and regional programme.
Visa / MCTiered rewardsFree base planUSD rewardsPhysical cardStablecoin spend
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.
- If the referral is not shown automatically, use this promo code:
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 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 markup1–7%2% most Global regions · 1% Australia · 1.5% Brazil · 7% Argentina
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
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
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
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
- Merchant rebates
- Not listed
- 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
- Merchant rebates
- Tier 2+
- 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
- Merchant rebates
- Not listed
- 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 PayNot disclosed
- Google PayNot disclosed
- 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 68
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.
68/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift87
Company & infrastructure
Named programme infrastructure includes Mastercard (network), Fly Wallet Pty Ltd (issuer) and Vortex Pay, S. de R.L. de C.V. (issuer).
Additional support79
Everyday usability
Mastercard/Visa spending includes virtual card, physical card and ATM access.
Main constraint44
Custody & control
Custodial account; the account provider controls funds before card settlement, and a provider account is required.
08 · Evidence
Sources
9 sources9 officialChecked Aug 14, 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 Australia — product disclosure statementOfficial source ↗Bybit Card Mexico — Vortex Pay terms and conditionsOfficial source ↗Bybit Card EEA and Switzerland transitionOfficial source ↗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 ↗
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
- 2% most Global regions · 1% Australia · 1.5% Brazil · 7% Argentina
- 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.
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.