Bybit Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual freeThe fine print
|
|---|---|
| Annual fee | Free |
| FX fee | 0.5-7% on foreign-currency spend depending on the programme: 0.5% in the EEA per Bybit EU's fee table updated 8 October…The fine print
|
| ATM limit | EEA: first 100 EUR a month free, then 2%The fine print
|
| Spending limit | EEA: 5,000 EUR a day on Tier 1, 10,000 EUR on Tier 2, 15,000 EUR on Tier 3The fine print
|
Fees change; the current ones are in Bybit’s terms.
Features
- Welcome bonus: Up to 110 USD cashback
- Cashback: 1% EEA base; 2-10% VIP (capped)
The fine print
- EEA: 1% base cashback with no monthly cap plus VIP 2-10% subject to monthly caps, and up to 100% cashback on selected subscriptions for eligible VIPs
- Non-EEA: 2-10% by VIP level and spending amount with monthly caps, earned only on crypto spending (fiat spending is not eligible), plus 100% rebates at selected merchants for VIPs and non-VIPs on Tier 3 (Alpha) and above
- Network: Visa + Mastercard
The fine print
- Mastercard Debit in the EEA
- Mastercard Prepaid in Argentina, Australia, Georgia, Kazakhstan and AIFC
- Mastercard Credit in Mexico and Brazil
- Visa Prepaid in Peru
- Visa Credit in Asia Pacific
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Spends from the Bybit Funding Account: EUR plus up to 3 selected cryptos from USDC, BTC, ETH, MNT, GRAM, XRP and EURC…
Full list
- … in the EEA
- Local fiat plus BTC, ETH, XRP, USDT, USDC and GRAM elsewhere
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary…
Full list
- … Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Australia, Argentina, Brazil, Mexico, Peru, Kazakhstan, Georgia and Asia Pacific
- Malta excluded
Who issues the Bybit Card
The Bybit Card is issued by Harmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK). The issuer is named in the source linked below. This covers the EEA card: "Your Bybit Card is issued by Harmoniie SAS, partnering with Moorwand Ltd, pursuant to a licence by Mastercard International held by Moorwand Ltd."
Primary source · All cards issued by Harmoniie SAS (with Moorwand Ltd) · Why the issuer matters
Supported cryptocurrencies
You can load the Bybit Card with crypto; the 5 assets we track for it are listed below.
The fine print
… depositing crypto from other platforms or wallets
Pros and cons
Pros
- 1% cashback with no monthly cap for non-VIP cardholders in the EEA
The fine print
- Up to 10% cashback at the top VIP tier
- 100% rebates on selected subscriptions for eligible tiers
- On bybit.com the card can spend assets held in Flexible Easy Earn
- Apple Pay, Google Pay and Samsung Pay in the EEA
- No card issuance fee
- No annual maintenance fee
- Welcome bonus: Up to 110 USD cashback
- Banking rails: IBAN / SEPA support
Cons
- Higher cashback tiers are tied to VIP status and capped monthly
The fine print
- Outside the EEA only crypto-funded spending earns cashback
- 0.9% crypto conversion fee
- FX of 2% in Australia, Asia Pacific and Mexico and 7% in Argentina
- The card spends from the custodial Bybit Funding Account
Regional availability
Available in several regions
EEA via bybit.eu: 29 supported EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and Norway. Outside the EEA, bybit.com runs separate card programmes for Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific, and says the card is only available in limited countries; the bybit.com card is not available to EEA customers. The old bybit.com EUR card for the EEA and Switzerland had to be replaced by 31 December 2025, and Switzerland is not in the bybit.eu list.
Banking and fiat rails
Card overview
Outside Europe the 2 to 10% headline is set by VIP level and spending amount, carries monthly caps, and is paid only on crypto spending; fiat spending earns nothing. Europe changed in June 2026, when the Bybit EU card began paying a flat 1% with no cap, with capped VIP rates of 2 to 10% on top. A payment funded with crypto adds a 0.9% conversion fee (0.5% in Argentina). The EEA card comes from Harmoniie SAS with Moorwand and spends EUR plus up to three cryptos you pick from seven (USDC, BTC, ETH, MNT, GRAM, XRP, EURC).
Its FX fee is 0.5% in Bybit EU's fee table updated 8 October 2026, although the card landing page still says 1%. Bybit EU serves 29 EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and Norway. FX elsewhere runs 1.5% in Brazil, 2% in Mexico, Peru, Australia, Asia Pacific and Georgia, with a 2% international fee on cross-border purchases in Kazakhstan, and 7% in Argentina. The virtual card is free.
In the EEA the fee table makes the first physical card free and a replacement 5 EUR, while the landing page still says $5 or 5 USDC; elsewhere a physical card costs 5 USD or USDT in Argentina, 5 USDT in Asia Pacific, 29.99 USD in Australia, 29.99 USDT in Georgia and Kazakhstan, and nothing in Brazil or Mexico, and Peru has no physical card. There is no annual fee. New cardholders can collect up to 110 USDC or USDT in cashback in their first 30 days. Idle Funding Account assets can sweep into Flexible Earn, and the card can pay straight from there at a variable rate per asset.
100% rebates at selected merchants go to VIPs and to non-VIPs from Tier 3 (Alpha) up, and eligible EEA VIPs get up to 100% back on selected subscriptions. Outside the EEA, Bybit sells the card only in Argentina, Brazil, Mexico, Peru, Australia, Georgia, Kazakhstan and Asia Pacific, so the US, the UK and Canada are not covered; France is on the EEA list. The card spends from the custodial Bybit Funding Account. Best fit: high-volume Bybit traders who reach the VIP or Alpha tiers, and EEA users who want an uncapped 1%.
Outside Europe, spending fiat earns no cashback at all, and the 10% rate needs serious VIP status to mean anything.
Common questions about the Bybit Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
What are the fees for the Bybit Card?
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