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Bybit silver card front visual
72Overall

Best fit

  • Spending supported crypto already held in your Bybit account.
  • Earning convertible Bybit Points on eligible crypto-funded purchases.

Before you choose

  • Fiat-funded purchases earn neither cashback nor Rewards Points.
  • Crypto conversion usually costs 0.9%; regional FX fees can add more.
Read review
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

Bybit Card (Global)72
MPChat Card52
01

Scores

Overall Score
Bybit Card (Global): 72
MPChat Card: 52
Cashback score
Bybit Card (Global): 63
MPChat Card: 18
Travel score
Bybit Card (Global): 80
MPChat Card: 72
Funds control score
Bybit Card (Global): 51
MPChat Card: 41
Lowest fees score
Bybit Card (Global): 66
MPChat Card: 60
Transfers score
Bybit Card (Global): 79
MPChat Card: 58
02

Costs

Plan cost
Bybit Card (Global): $0
MPChat Card: $0
FX fee
Bybit Card (Global): 1.5–7%
MPChat Card: 0%
Top-up fee
Bybit Card (Global): Not disclosed
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Card spending fee
Bybit Card (Global): Not disclosed
MPChat Card: 0.8%
ATM fee
Bybit Card (Global): 2% after monthly allowance
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Virtual card
Bybit Card (Global): No fee until further notice
MPChat Card: Cloud: 10 USDT one time
Physical card
Bybit Card (Global): Free / 5 / 29.99
MPChat Card: $100
Asset conversion fee
Bybit Card (Global): 0.9%
MPChat Card: Not disclosed
03

Plans & rewards

Entry plan
Bybit Card (Global): Base
MPChat Card: Cloud Card
Base cashback
Bybit Card (Global): 2%
MPChat Card: Not disclosed
Max cashback
Bybit Card (Global): 10%
MPChat Card: Not disclosed
Reward currency
Bybit Card (Global): USD
MPChat Card: Not disclosed
Cashback cap · entry plan
Bybit Card (Global): $5 / month
MPChat Card: Not disclosed
Full-rate spend · entry plan
Bybit Card (Global): $250 / month
MPChat Card: Not disclosed
Rate after spend cap · entry plan
Bybit Card (Global): 0%
MPChat Card: Not disclosed
Top cashback plan
Bybit Card (Global): Infinite
MPChat Card: Not disclosed
Cashback on top plan
Bybit Card (Global): 10% in USD
MPChat Card: Not disclosed
Cashback cap · top plan
Bybit Card (Global): $600 / month
MPChat Card: Not disclosed
Full-rate spend · top plan
Bybit Card (Global): $6,000 / month
MPChat Card: Not disclosed
Rate after spend cap · top plan
Bybit Card (Global): 0%
MPChat Card: Not disclosed
Top plan price / access
Bybit Card (Global): $0/yr
MPChat Card: Not disclosed
Top plan qualification
Bybit Card (Global): Supreme VIP / PRO 3-5 or 25,000 USD monthly spend
MPChat Card: Not disclosed
Points earned
Bybit Card (Global): 2%–10%
MPChat Card: Not disclosed
Points asset
Bybit Card (Global): Bybit Points → USD
MPChat Card: Not disclosed
Points conversion
Bybit Card (Global): 1 point = USD 0.002
MPChat Card: Not disclosed
Points cap / payout
Bybit Card (Global): $600 / month
MPChat Card: Not disclosed
04

Everyday use

Network
Bybit Card (Global): Mastercard/Visa
MPChat Card: Visa
Card formats
Bybit Card (Global): Virtual, Physical
MPChat Card: Virtual, Physical
ATM withdrawals
Bybit Card (Global): Available
MPChat Card: Available
Mobile wallets
Bybit Card (Global): Apple Pay, Google Pay · Region dependent
MPChat Card: Google Pay
Apps
Bybit Card (Global): iOS, Android
MPChat Card: Not disclosed
Daily spending limit
Bybit Card (Global): See regional limits
MPChat Card: $250,000 / day
Monthly spending limit
Bybit Card (Global): See regional limits
MPChat Card: $1,000,000 / month
ATM limit
Bybit Card (Global): See regional limits
MPChat Card: $1,500 / day
05

Money in & out

Networks
Bybit Card (Global): Not disclosed
MPChat Card: Tron (TRC20)
Stablecoin deposits
Bybit Card (Global): Not disclosed
MPChat Card: USDT
Other crypto deposits
Bybit Card (Global): Supported crypto
MPChat Card: Not disclosed
Fiat deposits
Bybit Card (Global): Bybit account bank deposit
MPChat Card: Not disclosed
Crypto transfers
Bybit Card (Global): Bybit account crypto withdrawal
MPChat Card: External USDT withdrawal
Internal transfers
Bybit Card (Global): Not disclosed
MPChat Card: Not disclosed
Bank transfers
Bybit Card (Global): Bybit account fiat withdrawal
MPChat Card: Not disclosed
Payout currencies
Bybit Card (Global): Not disclosed
MPChat Card: Not disclosed
06

Earn

Advertised APY
Bybit Card (Global): Not disclosed
MPChat Card: Not offered
How it works
Bybit Card (Global): Earn on spending balance
MPChat Card: Not offered
Separate deposit
Bybit Card (Global): Not disclosed
MPChat Card: Not offered
Use balance for spending
Bybit Card (Global): Yes
MPChat Card: Not offered
Lock-up
Bybit Card (Global): No
MPChat Card: Not offered
07

Trust & sources

Custody
Bybit Card (Global): Custodial
MPChat Card: Custodial
Control until payment
Bybit Card (Global): Provider controls funds
MPChat Card: Provider controls funds
Card issuer
Bybit Card (Global): Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.
MPChat Card: Not disclosed
Official sources
Bybit Card (Global): 9
MPChat Card: 30
Last reviewed
Bybit Card (Global): Nov 12, 2026
MPChat Card: Nov 12, 2026

Sign-up Offers

Bybit silver card front visual

Bybit Card (Global)

Partner offer

Get 10 USDT

Spend more than 100 USDT or equivalent with the Bybit Card.

Offer details & conditions

Apply for a Bybit Card using this referral link.

If the referral is not shown automatically, use this promo code.EXVJGK

Offer terms can change. Check the current Bybit Card referral programme before applying.

Get BybitRead review
Unofficial MPChat-inspired card design concept; not an issued card design

MPChat Card

Partner offer

5 USDT after first virtual card approval

Complete application and card approval; the reward is credited to MPChat Pay after approval.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Offer details & conditions

Download MPChat through this referral link.

Download MPChat through the referral link.

Enter coupon ID 76912265 during activation of your first virtual card.

Enter this coupon ID during first virtual card activation76912265

The offer is for a referred user's first virtual card; Boundless physical-card activation is not confirmed as eligible.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Get MPChatRead review
See other offers

Partner links may earn us a commission. They never affect scores or rankings. Affiliate disclosure

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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