Our verdict
Best for: European and APAC users who want low fees and are already on Bybit
Bybit Card's 0.5% FX markup is genuinely competitive, and the up to 10% cashback headline is backed by a realistic ~2% for most users, still solid. No staking required. The catch: it's a custodial card linked to your Bybit Funding Account, so it only makes sense if you're already using Bybit as an exchange. Not available in the US or UK. For European users with an existing Bybit account, it's a strong everyday spending choice.
Specifications
| Card network | Mastercard |
|---|---|
| Provider | Bybit (Moorwand UK / Harmoniie SAS in EEA) |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | multi_currency |
| Available in | Europe (excl. France, Croatia, Iceland, Ireland, Liechtenstein, Romania), Switzerland, Australia, Argentina, Brazil, Mexico, AIFC region (Asia/ME/SA), Taiwan |
| Supported assets | BTC, ETH, USDT, USDC, XRP, TON |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0.5% |
| ATM fee | 2% |
| Top-up fee | 0% |
| Foreign transaction fee | 0.5% |
| Cashback | Up to 10% in USDT (realistic ~2%) |
| Cashback monthly cap | $600 |
| Daily spend limit | $5000 |
| Monthly spend limit | $10000 |
| Daily ATM limit | $2000 |
| Last verified | 2026-04-30 |
What to watch out for
- Mastercard debit linked to Bybit Funding Account
- fiat-first spend logic, only converts crypto if fiat insufficient (avoids unnecessary 0.9% conversion)
- Card Lite available with €150 lifetime cap for fast onboarding
- 8% APR earn on idle card balance
Editorial notes
- FX 0.5% in Europe, 1% in Australia, 7% in Argentina
- ATM 2% above €100 free monthly allowance (Europe)
- AIFC region cannot use ATMs at all
- non-VIP cashback cap of $10/month is restrictive - need to spend $500/mo to genuinely benefit
- subscription cashback (100% on streaming) is the standout feature
Frequently asked questions
Where is the Bybit Card available?
As of 2026-04-30, Bybit Card is available to residents of Europe, Latin America, Asia-Pacific, and United Kingdom. Specific country list: Europe (most countries), Switzerland, Australia, Argentina, Brazil, Mexico, AIFC region (Asia/ME/SA), Taiwan.
How does the Bybit Card cashback work?
Bybit Card offers up to 10% cashback paid in USDT. Tiered by VIP/spending: Non-VIP 2% (cap $10/month); $500+/mo spend = Tier 2 (2%, $150 cap); $6000+/mo = Tier 3 (4%); $25000+/mo = Tier 6 (10%, $600 cap); 100% cashback on Netflix/Spotify/ChatGPT for VIP1+ In practice, the realistic effective rate for most users is around 2%.
What are the fees on the Bybit Card?
Bybit Card has no issuance fee, no monthly fee, a 0.5% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Does Bybit Card hold my crypto?
Yes. Bybit Card is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.