Side-by-side comparison of KAST 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 KAST at 3.6/5. Bybit has a slight edge, but the best choice depends on your priorities.
| Features |  KAST Card |  Bybit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Visa Prepaid | Mastercard; Visa | |
| Standard: Free virtual + $40 shipping; Premium/Limited/Luxe: included | Free | |
| $0 (K Card; was $20) | Free | |
| ~2% FX on non-USD (official; some corridors 0.5-1.75%) | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| Season 5 (Dec 2025-Mar 2026): free K Card earns 2% in Season Points (pre-TGE, no guaranteed value) + 4% in $MOVE tokens = 6% total. Premium (5% points + 4% $MOVE = 9%) and Luxe (8% + 4% = 12%) require expensive Pengu NFT card tiers. $MOVE cashback is capped at $2,000/month qualifying spend (max $80/month in $MOVE). Season Points have zero monetary value until TGE (expected Q2 2026) — they are essentially IOUs. Post-TGE seasons will reduce point emissions by 10-25%. The 12% headline rate is only achievable with the most expensive Pengu Luxe NFT tier. Realistic cashback for a typical user on the free K Card: ~4% in $MOVE (the 2% points portion has uncertain value). | 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. | |
| Unlimited up to available balance | €5000/day standard; €20000/day Level 3 | |
| $250 per withdrawal, $750/day max (3 withdrawals) | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get KAST Card | Get Bybit Card |
Bybit Card is our pick in this matchup. Bybit also lets you earn yield on your deposits, something KAST 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, KAST may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Bybit Card (3.8/5) delivers better overall value than KAST Card (3.6/5).