Bybit Card
Visa + MastercardcustodialKYC: required
3.0 / 5
Net Reward3.8
Availability1.5
Custody & Risk2.0
Features4.3
UX4.6
The Bybit Card is a prepaid debit card (Mastercard or Visa) from cryptocurrency exchange Bybit that automatically converts digital assets for spending at merchants worldwide. The card program varies by region, with European operations managed under MiCAR regulations and over 2 million cardholders globally.
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Slug: bybit-card
Latest News
Bybit Card is now available in Mexico
July 7, 2025
Bybit Card expanded availability to Mexico
Our Verdict
Active Bybit traders who want to directly spend trading profits, crypto investors seeking everyday purchases without manual conversions, high-volume users benefiting from tiered VIP structure, and subscription service users maximizing 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT.
Pros and cons
Pros
- No staking requirements for rewards (unlike many competitors)
- Generous cashback rates up to 10% based on VIP level
- 100% rebates on popular subscriptions (Netflix, Spotify, Amazon Prime, TradingView, ChatGPT)
- Seamless integration with Bybit's broader ecosystem
- Premium airport lounge access at 250+ global locations (via Rewards Points redemption; VIP users get 50% discount)
- Multiple cashback currency options (USDT, BTC, USDC, AVAX)
- Unified rewards program with faster tier progression (next business day)
- Multi-network support (Mastercard and Visa)
Cons
- Limited geographic availability (unavailable in US, UK, Canada, France, Singapore, China, and other major markets)
- Restricted selection of supported cryptocurrencies (region-dependent)
- EEA/Switzerland new users limited to 3 payment crypto assets
- High foreign exchange fees in some regions (Argentina: 7% + 5% FX fill; Brazil: 1.5% + 3% FX fill)
- Custodial solution requiring trust in Bybit's platform
- Mobile wallet support varies by region (Asia Pacific lacks Apple Pay and Samsung Pay)
- Premium AI service rebates were limited-time promotional offer
Supported chains
BaseBitcoinEthereum
Supported cryptos
BNBBTCETHUSDCUSDTXRP
Fees
Annual: None
Monthly: None
Issuance: Free
Crypto To Fiat: 0.5-0.9% (region-dependent)
Key Features
- Instant crypto-to-fiat conversion with region-dependent fees (0.5-0.9%)
- Tiered rewards offering 2-10% cashback based on VIP level (no staking required)
- Auto-Savings feature earning up to 8% APY on idle balances
- Seamless integration with the Bybit trading platform
- Available in virtual and physical formats across multiple regions
- 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, ChatGPT subscriptions
- Premium airport lounge access at 250+ global locations
- Multiple cashback currency options (USDT, BTC, USDC, AVAX)
- Mobile wallet integration (Apple Pay, Google Pay, Samsung Pay - region dependent)
- Over 2 million cardholders globally
Limitations
- Limited geographic availability - unavailable in US, UK, Canada, China, Singapore, France
- EEA/Switzerland new users limited to 3 payment crypto assets
- High foreign exchange fees in some regions (Argentina: 7% + 5% FX fill = 12% total; Brazil: 1.5% + 3% FX fill = 4.5% total)
- Custodial solution requiring trust in Bybit's platform
- Mobile wallet support varies by region - Asia Pacific lacks Apple Pay and Samsung Pay
- Premium AI service rebates were limited-time promotional offer (May 13 - June 13, 2025)
- Card Lite has €150 lifetime spending limit with no ATM withdrawals
Risks
- CounterpartyCustodial solution - if Bybit ceases operations, user funds are inaccessiblePlatform holds all private keys and manages user funds
- RegulatoryBybit has demonstrated willingness to exit markets when regulations change, as seen with UK and France restrictionsUsers should be mindful of potential service disruptions
- RegulatoryCrypto regulations continue to evolve globally with potential for regulatory changes to impact card availability or featuresMentioned in Regulatory Risks section
- MarketSpending crypto via the card constitutes a crypto-to-fiat conversion which may be a taxable event in many jurisdictionsBybit does not currently provide detailed tax reporting for card transactions
Rewards & Cashback
Notes: 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, ChatGPT subscriptions for Tier 2+. Points conversion: 1 point = 0.002 USDT equivalent.
Cashback Cap: 5,000 points/month (VIP 0) to 300,000 points/month (Supreme VIP); equivalent to $10-$600 USD
Reward Token: USDT, BTC, USDC, or AVAX (user-selectable)
Cashback Rate: 2% (VIP 0-2), 4% (VIP 3), 6% (VIP 4), 8% (VIP 5), 10% (Supreme VIP)
Interest On Balance: Up to 8% APY on idle balances through Auto-Savings
Eligibility Requirements: No staking required; VIP level based on asset balance or trading volume
Spending Limits
Notes: Annual spending: €50,000 (Level 1), €250,000 (Level 2), €500,000 (Level 3). Annual ATM: €25,000 (Level 1), €50,000 (Level 2), €70,000 (Level 3). Card Lite has €150 lifetime spending limit.
Atm Daily: €500 (Level 1), €1,000 (Level 2), €2,000 (Level 3)
Atm Monthly: €2,500 (Level 1), €5,000 (Level 2), €10,000 (Level 3)
Daily Spending: €2,500 (Level 1), €10,000 (Level 2), €20,000 (Level 3)
Per Transaction: €1,000 (Level 1), €2,500 (Level 2), €5,000 (Level 3)
Monthly Spending: €10,000 (Level 1), €50,000 (Level 2), €100,000 (Level 3)
Top-Up Methods
Crypto transfer to Bybit Funding Account
Min Amount: 0.01 EUR (EEA/Switzerland), 10 ARS (Argentina), 0.05 BRL (Brazil)
Processing Time: Instant - funds drawn from Funding Account at purchase
Banking & Financial Services
Credit & Loan Products
This is a prepaid debit card, not a credit card
Security Features
Features: EMV chip with PIN protection,3-D Secure (3DS) authentication,Instant freeze/unfreeze via app,Mobile wallet tokenization,2-Factor Authentication,Real-time transaction alerts,PEP screening
Mobile Wallet Support
Apple PayGoogle PaySamsung PayiOSAndroid
Best For
Active Bybit traders who want to directly spend trading profits, crypto investors seeking everyday purchases without manual conversions, high-volume users benefiting from tiered VIP structure, and subscription service users maximizing 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT.
Custody Model
custodialPlatform (Bybit) holds all private keys and manages user funds. Users control spending via app, but do not have direct key access. Crypto must be deposited to Bybit; instant conversion at spending.
Risk: If Bybit ceases operations, user funds are inaccessible.
Card Issuer & Compliance
Issuer Name: Harmoniie SAS (EEA/Switzerland); Bybit Limited and regional regulated institutions (other regions)
Kyc Required: true
Issuer License: MiCAR license from Austria's Financial Market Authority (FMA) - authorization granted to Bybit EU GmbH (May 28, 2025); AFSA license for international operations
Platform Licenses: MiCAR (Markets in Crypto-Assets Regulation) license from Austria FMA,EU e-money regulations compliance,AFSA (Astana Financial Services Authority) license,Local VASP registration in countries like Argentina
Availability
Available in 27 countries including select EEA countries, Switzerland, Australia, and Latin American countries (Argentina, Brazil, Mexico). Restricted in 11 countries including US, UK, Canada, France, Singapore, China.
Card Tiers
Card Lite (Virtual)
Virtual onlyVirtual only
Basic KYC only (no address proof)
Fees
Issuance: Free
Monthly: None
MastercardVisa
ATM Free: No ATM withdrawals available
€150 lifetime spending limitBasic functionality
VIP 0 (Standard)
PhysicalWhite plastic with Bybit logo and EMV chip
Basic verified Bybit account
Fees
Issuance: Free
Monthly: None
Monthly Limit: €10,000 (Level 1)
Annual Limit: €50,000 (Level 1)
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 2% (10x multiplier)
ATM Free: First €100/month free
5,000 points monthly cap (10 USDT)Daily withdrawal ≤ 20K USDTMonthly withdrawal ≤ 100K USDTBasic rewards access
VIP 1
PhysicalWhite plastic with Bybit logo and EMV chip
≥ $100K asset balance OR ≥ $10M 30-day trading volume
Fees
Issuance: Free
Monthly: None
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 2% (10x multiplier)
ATM Free: First €100/month free
37,500 points monthly cap (75 USDT)Daily withdrawal ≤ 6M USDTExclusive fee discountsVIP events access100% subscription rebates50% off airport lounge access
VIP 2
PhysicalWhite plastic with Bybit logo and EMV chip
≥ $250K asset balance OR ≥ $25M 30-day trading volume
Fees
Issuance: Free
Monthly: None
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 2% (10x multiplier)
ATM Free: First €100/month free
75,000 points monthly cap (150 USDT)VIP AmbassadorWelcome Gifts100% subscription rebates50% off airport lounge access
VIP 3
PhysicalWhite plastic with Bybit logo and EMV chip
≥ $500K asset balance OR ≥ $50M 30-day trading volume
Fees
Issuance: Free
Monthly: None
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 4% (20x multiplier)
ATM Free: First €100/month free
100,000 points monthly cap (200 USDT)VIP AmbassadorWelcome & Birthday Gifts100% subscription rebates50% off airport lounge access
VIP 4
PhysicalWhite plastic with Bybit logo and EMV chip
≥ $1M asset balance OR ≥ $100M 30-day trading volume
Fees
Issuance: Free
Monthly: None
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 6% (30x multiplier)
ATM Free: First €100/month free
150,000 points monthly cap (300 USDT)Daily withdrawal ≤ 8M USDTAll lower tier benefits100% subscription rebates50% off airport lounge access
VIP 5
PhysicalWhite plastic with Bybit logo and EMV chip
≥ $2M asset balance OR ≥ $250M 30-day trading volume
Fees
Issuance: Free
Monthly: None
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 8% (40x multiplier)
ATM Free: First €100/month free
200,000 points monthly cap (400 USDT)Daily withdrawal ≤ 10M USDTAll lower tier benefits100% subscription rebates50% off airport lounge access
Supreme VIP
PhysicalWhite plastic with Bybit logo and EMV chip
≥ $500M 30-day derivatives trading volume
Fees
Issuance: Free
Monthly: None
MastercardVisaApple PayGoogle PaySamsung Pay
Cashback: 10% (50x multiplier)
ATM Free: First €100/month free
300,000 points monthly cap (600 USDT)Daily withdrawal ≤ 12M USDTFree physical card with expedited delivery (3 days)100% subscription rebates50% off airport lounge access
User Ratings
3.4/5.0 (6,338 ratings)
Trustpilot
4.6/5.0 (1,345,570 ratings)
Google Play
4.7/5.0 (42,657 ratings)
App Store
Positive aspects: Seamless crypto-to-fiat conversion, worldwide acceptance, generous rewards, minimal fees. Pain points: Limited country support, restricted crypto selection, occasional support delays for complex issues.
Roadmap & Updates
Expansion: European headquarters established in Vienna with plans to hire 100+ staff following MiCAR license
Recent Updates:
- MiCAR license obtained May 2025
- USDC cashback option added April 18, 2025
- AVAX cashback option added February 14, 2025
- Mexico availability added July 7, 2025
Conclusion
The Bybit Card stands out in the crypto card market with its combination of zero annual fees, region-dependent competitive conversion rates (0.5-0.9%), and industry-leading rewards program offering up to 10% cashback without requiring token staking. The integration with Bybit's trading platform creates a seamless experience, allowing users to instantly spend trading profits with minimal friction. The card's primary limitations remain its geographic restrictions (unavailable in the US, UK, Canada, France, and other major markets) and limited cryptocurrency support, particularly for EEA/Switzerland users who are restricted to 3 payment crypto assets. The Bybit Card is ideally suited for active Bybit users in supported regions who want to maximize the utility of their crypto holdings.
Card launched: Initially launched in Europe, expanded to other re
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