Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Bybit EU: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 8 points (68 vs 60). Coin98 Fusion Card looks stronger for Funds control, while Bybit Card (EU) comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 14, 202633 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (EU) is the better all-round starting point
Bybit Card (EU) has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control. 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.
OverallCoin98 Fusion60Bybit EU68Higher score
CashbackCoin98 Fusion17Bybit EU47Higher score
TravelCoin98 Fusion65Bybit EU87Higher score
Funds controlCoin98 Fusion64Bybit EU51Higher score
Lowest feesCoin98 Fusion72Bybit EU72Same score
TransfersCoin98 Fusion39Bybit EU79Higher score
Choose Coin98 Fusion Card if funds control matters most
Coin98 Fusion Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
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
- Coin98 Fusion60Bybit EU68
Bybit Card (EU) has the higher Overall Score by 8 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackBybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyBybit EUCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayBybit EUVirtual + Physical · Apple Pay, Google Pay
Bybit Card (EU) lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 2).
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
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 1%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
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
CardsCoin98 Fusion CardOverall60Bybit Card (EU)Overall68
Coin98 Fusion CardOverall60Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Coin98 Fusion Card60Bybit Card (EU)68
- Cashback score
- Coin98 Fusion Card17Bybit Card (EU)47
- Travel score
- Coin98 Fusion Card65Bybit Card (EU)87
- Funds control score
- Coin98 Fusion Card64Bybit Card (EU)51
- Lowest fees score
- Coin98 Fusion Card72Bybit Card (EU)72
- Transfers score
- Coin98 Fusion Card39Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Bybit Card (EU)$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionBybit Card (EU)0.5%
- Top-up fee
- Coin98 Fusion Card1%Bybit Card (EU)Not disclosed
- Card spending fee
- Coin98 Fusion CardNot disclosedBybit Card (EU)Not disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeBybit Card (EU)2%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeBybit Card (EU)Free
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Coin98 Fusion CardNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaBybit Card (EU)Mastercard
- Card formats
- Coin98 Fusion CardVirtualBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableBybit Card (EU)Available
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronBybit Card (EU)Not disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Coin98 Fusion CardNot disclosedBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Coin98 Fusion CardNot disclosedBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Coin98 Fusion CardNot disclosedBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Bybit Card (EU)1%
- Max cashback
- Coin98 Fusion Card0%Bybit Card (EU)10%
- Reward currency
- Coin98 Fusion CardNot applicableBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Coin98 Fusion CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Coin98 Fusion CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Coin98 Fusion CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Coin98 Fusion CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
3 fields- Custody
- Coin98 Fusion CardHybrid custodyBybit Card (EU)Custodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Bybit Card (EU)Harmoniie SAS, Moorwand Ltd
Sources
2 fields- Official sources
- Coin98 Fusion Card23Bybit Card (EU)10
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Bybit Card (EU) is the stronger all-round choice
Bybit Card (EU) finishes ahead with an Overall Score of 68 versus 60 for Coin98 Fusion Card. Bybit Card (EU) has the lower published FX fee (0.5% vs 1.7% foreign-currency conversion). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Coin98 Fusion Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card uses a hybrid custody setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 2). 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 Coin98 Fusion Card and Bybit Card (EU) reviews first.
Continue with
Coin98 Fusion Card
Continue with
Bybit Card (EU)
05 · Common questions
Coin98 Fusion vs Bybit EU FAQ
Is Coin98 Fusion or Bybit EU better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 60). 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, Coin98 Fusion or Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% vs 1.7% foreign-currency conversion). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion or Bybit EU?
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coin98 Fusion and Bybit EU differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.