Bybit Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
The 2 to 10% headline runs into a hard monthly cap on the base tier: $10 USDT a month. Math that out and rewards plateau at roughly $500 of monthly spend even at the 2% rate. The 10% figure only has room to land on VIP Supreme, which requires $1 million in assets or massive trading volume. Add a 0.9% crypto-to-fiat conversion fee on every swipe. EEA users got the card in September 2025 through Bybit EU, with FX of 0.5% but a balance restricted to three supported cryptos. Other regions stack regionally: 1% in Australia, 2% in non-AU APAC, 1.5% in Brazil, 7% in Argentina. Card issuance and annual fees are free. The 8% APY on idle card balance runs without staking, an unusual perk in this category. 100% rebates on Netflix, Spotify, and Amazon Prime apply in select regions. Not available in the US, UK, Canada, or France. Custodial. Best fit: high-volume Bybit traders in supported regions who use the streaming rebates. Base-tier cashback is essentially symbolic at $10/month, and the 10% rate needs serious VIP status to mean anything.
Bybit Card delivers industry-leading rewards with up to 10% cashback based on your Bybit VIP level, with no token staking required. Earn 8% APY on idle card balances through Auto-Savings, enjoy 100% rebates on Netflix, Spotify, and Amazon Prime subscriptions, and access 250+ premium airport lounges worldwide. With over 2 million cardholders, MiCAR compliance in Europe, and integration with Bybit's trading platform, this Mastercard/Visa brings unmatched value to active crypto users across 27+ countries.
Read our latest guideBybit Card vs Ether.fi Cash 2026 — Which Is Better?This is a Visa crypto card. This is a Mastercard crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| ATM Limit | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Spending Limit | €5000/day standard; €20000/day Level 3 |
These figures can change. Confirm the current fees, FX and network in Bybit’s official terms before you apply.
Features
- Welcome Bonus: Up to 10% cashback
- Card Type: Virtual + Physical
- Top up with: BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent)
- Available Countries: Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Liechtenstein, Norway, Australia, Argentina, Brazil, Mexico, Peru, Kazakhstan, Georgia (excludes United States United Kingdom Canada Singapore China Hong Kong Croatia Ireland Iceland)
Banking & Fiat Rails
IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed
Who issues the Bybit Card
Bybit Card does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Bybit Card with crypto; the 6 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct blockchain top-up to card; Bybit account funded via BTC, ETH, XRP, USDC, TON, MNT on native networks
Who Is the Bybit Card Best For?
The Bybit Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Bybit Card pays 1% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 1% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Bybit Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Up to 10% cashback without staking; 8% APY on idle funds; 100% rebates on Netflix, Spotify, Amazon Prime; airport lounge access
- No card issuance fee
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- Unavailable in US, UK, Canada, France; EEA users limited to 3 crypto assets; 0.9% conversion fee; custodial model
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Bybit Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Bybit account
A few minutesGo to the Bybit website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerBybit runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Bybit Card shows up in the Bybit app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in Most of the EEA
The Bybit Card serves the European Economic Area, but not every member state — the issuer lists exclusions (see the country list above). If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Bybit Card
What are the fees for the Bybit Card?
How does the Bybit Card cashback work?
Where is the Bybit Card available?
What cryptocurrencies does the Bybit Card support?
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