Side-by-side comparison of Gnosis Pay Card and Bybit Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Both cards score closely — Bybit at 3.8/5 vs Gnosis Pay at 3.6/5. Bybit has a slight edge, but the best choice depends on your priorities.
| Features |  Gnosis Pay Card |  Bybit Card |
|---|---|---|
| Physical only | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard; Visa | |
| €30.23 (often waived via referrals) | Free | |
| Free | Free | |
| ~1.5% stabilization fee on all transactions (marketed as 0% FX but this fee applies to every purchase) | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| Up to 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) | 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. | |
| €8000/day | €5000/day standard; €20000/day Level 3 | |
| €200/month or 5 withdrawals free; then 2% + €1 minimum | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| EURe, GBPe stablecoins on Gnosis Chain | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| 32 European countries including UK, EEA, Switzerland | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get Gnosis Pay Card | Get Bybit Card |
Bybit Card is our pick in this matchup. Bybit also lets you earn yield on your deposits, something Gnosis Pay doesn't offer. Zero fixed costs give Bybit a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Gnosis Pay may be better if you prefer self-custody have specific feature requirements.
Bottom line: For most crypto card users, Bybit Card (3.8/5) delivers better overall value than Gnosis Pay Card (3.6/5).