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Choose 2–4 cards to compare fees, rewards and everyday use.

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Feature

Scores

Overall Score: Bybit Card (EU)
68
Bybit Card (Global)
72
Pionex Card
57
Nexo Card
66

Cashback score: Bybit Card (EU)
47
Bybit Card (Global)
63
Pionex Card
52
Nexo Card
41

Travel score: Bybit Card (EU)
87
Bybit Card (Global)
80
Pionex Card
29
Nexo Card
65

Funds control score: Bybit Card (EU)
51
Bybit Card (Global)
51
Pionex Card
43
Nexo Card
52

Lowest fees score: Bybit Card (EU)
72
Bybit Card (Global)
66
Pionex Card
57
Nexo Card
57

Transfers score: Bybit Card (EU)
79
Bybit Card (Global)
79
Pionex Card
79
Nexo Card
91

Choosing a card

Best fit

Bybit Card (EU)

Spending from an existing Bybit EU Funding Account in EUR or supported crypto.
Earning the current 1% base cashback without a monthly cap or token holding.

Bybit Card (Global)

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

Pionex Card

Existing Pionex users moving USDT into a separate card spending balance.
Eligible Visa users combining card spend with variable payment-account yield.

Nexo Card

Switching between spending savings and borrowing against crypto.
Paying from Flexible Savings without moving funds to a card wallet.

Before you choose

Bybit Card (EU)

Crypto-funded purchases add 0.9% conversion; foreign spending adds 0.5% FX.
Higher reward rates require Bybit EU VIP status and have monthly caps.

Bybit Card (Global)

Fiat-funded purchases earn neither cashback nor Rewards Points.
Crypto conversion usually costs 0.9%; regional FX fees can add more.

Pionex Card

Purchase fees range from 1% to 3.5%, against cashback of only 0.1–1%.
Applying needs over 10 USDT for Mastercard or 100 USDT for Visa, not a fee.

Nexo Card

Cashback requires Credit Mode and more than $5,000 in account assets.
Credit Mode incurs borrowing costs and can trigger collateral liquidation.

Costs

Plan cost: Bybit Card (EU)
$0
Bybit Card (Global)
$0
Pionex Card
$0
Nexo Card
$0

FX fee: Bybit Card (EU)
0.5%
Bybit Card (Global)
1.5–7%
Pionex Card
Not disclosed
Nexo Card
0.2–2.5%

Top-up fee: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Not disclosed
Pionex Card
Not disclosed
Nexo Card
Not disclosed

Card spending fee: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Not disclosed
Pionex Card
3.5%
Nexo Card
Not disclosed

ATM fee: Bybit Card (EU)
2%
Bybit Card (Global)
0–2%
Pionex Card
Not available
Nexo Card
0–2%; minimum 1.99 EUR/GBP

Virtual card: Bybit Card (EU)
Free
Bybit Card (Global)
No fee until further notice
Pionex Card
Available
Nexo Card
Available from $50 account balance

Physical card: Bybit Card (EU)
First physical card free
Bybit Card (Global)
Free / 5 / 29.99
Pionex Card
Not available
Nexo Card
Free shipping; requires more than $5,000 account balance and at least Gold tier

Plans

Available plans: Bybit Card (EU)
6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
Bybit Card (Global)
6 plans: Base, Beta, Alpha, Apex +2
Pionex Card
2 plans: Mastercard, Visa
Nexo Card
4 plans: Base, Silver, Gold, Platinum

Top cashback plan: Bybit Card (EU)
VIP 6 / PRO 3-5: 10%
Bybit Card (Global)
Infinite: 10%
Pionex Card
Visa: 1%
Nexo Card
Platinum: 2%

Everyday use

Network: Bybit Card (EU)
Mastercard
Bybit Card (Global)
Mastercard/Visa
Pionex Card
Visa/Mastercard
Nexo Card
Mastercard

Card formats: Bybit Card (EU)
Virtual, Physical
Bybit Card (Global)
Virtual, Physical
Pionex Card
Virtual
Nexo Card
Virtual, Physical

ATM withdrawals: Bybit Card (EU)
Available
Bybit Card (Global)
Available
Pionex Card
Not available
Nexo Card
Available

Mobile wallets: Bybit Card (EU)
Apple Pay, Google Pay
Bybit Card (Global)
Apple Pay, Google Pay · Region dependent
Pionex Card
Apple Pay, Google Pay
Nexo Card
Apple Pay, Google Pay

Apps: Bybit Card (EU)
iOS, Android, Web
Bybit Card (Global)
iOS, Android
Pionex Card
Not disclosed
Nexo Card
iOS, Android, Web

Daily spending limit: Bybit Card (EU)
€5k / €10k / €15k by tier · Lite €150 lifetime
Bybit Card (Global)
$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN Mexico
Pionex Card
$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
Nexo Card
€10,000 / £9,000/day; €10,000 / £9,000/transaction

Monthly spending limit: Bybit Card (EU)
€10k / €25k / €50k by tier · Lite €150 lifetime
Bybit Card (Global)
$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN Mexico
Pionex Card
$50,000-$100,000/month depending on network
Nexo Card
€60,000 / £54,000/month

ATM limit: Bybit Card (EU)
€2k / €5k / €10k by tier · €2k per withdrawal and per day
Bybit Card (Global)
$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
Pionex Card
Not available
Nexo Card
€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/month

Funding & transfers

Networks: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Not disclosed
Pionex Card
Not disclosed
Nexo Card
Not disclosed

Crypto deposits: Bybit Card (EU)
Other crypto: Supported crypto
Bybit Card (Global)
Other crypto: Supported crypto
Pionex Card
Other crypto: Supported crypto
Nexo Card
Stablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3

Fiat deposits: Bybit Card (EU)
Bybit EU Funding Account deposit
Bybit Card (Global)
Bybit account bank deposit
Pionex Card
Not disclosed
Nexo Card
Nexo account bank deposit

Transfers: Bybit Card (EU)
Stablecoin transfers; Bybit EU account fiat withdrawal
Bybit Card (Global)
Stablecoin transfers; Bybit account fiat withdrawal
Pionex Card
Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Nexo Card
Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawal

Payout currencies: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Not disclosed
Pionex Card
Not disclosed
Nexo Card
EUR, GBP, USD

Rewards

Base cashback: Bybit Card (EU)
1%
Bybit Card (Global)
2%
Pionex Card
0.1%
Nexo Card
0.5%

Max cashback: Bybit Card (EU)
10%
Bybit Card (Global)
10%
Pionex Card
1%
Nexo Card
2%

Reward currency: Bybit Card (EU)
EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Bybit Card (Global)
USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)
Pionex Card
USDT
Nexo Card
NEXO Tokens or BTC cashback

Earn

Advertised APY: Bybit Card (EU)
Up to 8% APY
Bybit Card (Global)
Not disclosed
Pionex Card
Up to 5% APY
Nexo Card
Up to 13% APY

How it works: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Earn on spending balance
Pionex Card
Earn on spending balance
Nexo Card
Earn on spending balance

Separate deposit: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Not disclosed
Pionex Card
No
Nexo Card
Not disclosed

Use balance for spending: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Yes
Pionex Card
Yes
Nexo Card
Yes

Lock-up: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
No
Pionex Card
No
Nexo Card
No

Trust & availability

Custody: Bybit Card (EU)
Custodial
Bybit Card (Global)
Custodial
Pionex Card
Custodial
Nexo Card
Custodial

Control until payment: Bybit Card (EU)
Provider controls funds
Bybit Card (Global)
Provider controls funds
Pionex Card
Provider controls funds
Nexo Card
Provider controls funds

Card issuer: Bybit Card (EU)
Harmoniie SAS, Moorwand Ltd
Bybit Card (Global)
Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.
Pionex Card
Not disclosed
Nexo Card
DiPocket UAB

Programme operator: Bybit Card (EU)
Not disclosed
Bybit Card (Global)
Not disclosed
Pionex Card
Not disclosed
Nexo Card
Nexo Services Sp. z o.o.

Sources

Official sources: Bybit Card (EU)
10
Bybit Card (Global)
9
Pionex Card
59
Nexo Card
14

Last reviewed: Bybit Card (EU)
Oct 11, 2026
Bybit Card (Global)
Oct 20, 2026
Pionex Card
Aug 14, 2026
Nexo Card
Sep 2, 2026

Signup offers

Bybit Card (Global)

Get 10 USDT

10 USDT referral reward after qualifying Bybit Card spend

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

Bybit Card promo codeEXVJGK

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

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Bonuses do not affect scores.

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