Bybit Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(7067 reviews)Independently reviewed by Mihail B. · how we verify
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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.
Sweepbase verdict: Bybit Card is worth a look mainly for its 2% cashback rewards and zero upfront and ongoing fees. That makes it a practical choice for active spenders looking to earn crypto rewards on everyday purchases. One thing to check: limited geographic availability.
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 to US residents. Available in Europe. Available in the UK.
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, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, Australia, Argentina, Brazil, Mexico, Kazakhstan (excludes United States United Kingdom Canada France Singapore China Hong Kong Croatia Iceland Ireland Liechtenstein Romania)
Banking & Fiat Rails
IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed
Supported Cryptocurrencies
You can load the Bybit Card with 6 cryptocurrency tokens. 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 crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Bybit Card pays Advertised 2-10% cashback based on VIP level, but the base tier has a strict $10 USDT monthly cashback cap. Even at 2% cashback, you max out at just $500/month in spending before hitting the cap. At typical $2,000/month spending, the effective cashback rate drops to just 0.5% ($10 cap / $2,000). To reach 10%, you need VIP Supreme status, which requires $1M+ in assets or massive trading volume ($1M spot + $10M derivatives in 30 days for VIP 1 alone). No staking required, but the monthly cap makes the high percentage misleading for regular users. Realistic cashback for a typical user: 2% capped at $10/month. cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Advertised 2-10% cashback based on VIP level, but the base tier has a strict $10 USDT monthly cashback cap. Even at 2% cashback, you max out at just $500/month in spending before hitting the cap. At typical $2,000/month spending, the effective cashback rate drops to just 0.5% ($10 cap / $2,000). To reach 10%, you need VIP Supreme status, which requires $1M+ in assets or massive trading volume ($1M spot + $10M derivatives in 30 days for VIP 1 alone). No staking required, but the monthly cap makes the high percentage misleading for regular users. Realistic cashback for a typical user: 2% capped at $10/month. cashback
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- 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
- Requires KYC identity verification
- 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
~5 minutesGo to the Bybit website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Bybit verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load 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 Across the EEA
The Bybit Card covers all 27 EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Frequently Asked Questions
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