Bybit Card
Bybit · Mastercard · prepaid · Custodial
At $1,000/month spend with no stake, Bybit Card nets −$27 a year. According to Cardefi data, 26 of 29 key figures are verified from the issuer's pages, latest 6 Sep 2026.
- Cashback at your stake
- 2.0%
- Min. stake for rewards
- None
- Annual fee
- $0
- FX fee
- 2.0%
- Net value / yr
- −$27 at $1,000/mo spend
- Break-even
- $0 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Tier 1 (Base) | Tier 1 (Base) | 2.0% | −$27 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 2.0% × $12,000 (cap) | +$60 |
| Yearly fees | annual $0 + 12 × $0 | −$0 |
| FX on 25.0% of spend | 2.0% + 0.9% × $3,000 | −$87 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | −$27 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.
| Annual fee | $0 / year1 source“Auto interest, no annual fees”[3] · landing · captured 6 Sep 2026 |
| Monthly fee | $0 / month1 source“Earn competitive interest on your available balance automatically, with no annual fees.”[3] · landing · captured 6 Sep 2026 |
| Card issuance | $0Virtual card free until further notice; physical card USD 29.99 in Australia and Georgia, 5 USDT in Asia Pacific1 source“No fee will be incurred for the issuance of the Virtual Bybit Card until further notice.”[2] · help_center · captured 6 Sep 2026 |
| Foreign transaction (FX) | 2.0%On top of the Mastercard or Visa rate1 source“(On top of Mastercard's / Visa's Foreign Exchange Rate)”[2] · help_center · captured 6 Sep 2026 |
| Crypto conversion / spread | 0.9%On top of Bybit's One-Click Sell rate; minimum conversion USD 1 |
| ATM withdrawal | 2.0%After the first USD 100 each monthFree up to $100 / month1 source“(after the first 100 USD monthly)”[2] · help_center · captured 6 Sep 2026 |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Tier 1 (Base) | 2.0% · None · Cap: $5 / month of rewards · Paid in USDT |
| Tier 2 (Beta) | 2.0% · Purchase ≥ $500 · Cap: $50 / month of rewards · Paid in USDT1 source“Tier 2 (Beta)”[4] · help_center · captured 6 Sep 2026 |
| Tier 3 (Alpha) | 4.0% · Purchase ≥ $3,500 · Cap: $150 / month of rewards · Paid in USDT1 source“Tier 3 (Alpha)”[4] · help_center · captured 6 Sep 2026 |
| Tier 4 (Apex) | 6.0% · Purchase ≥ $9,500 · Cap: $250 / month of rewards · Paid in USDT1 source“Tier 4 (Apex)”[4] · help_center · captured 6 Sep 2026 |
| Tier 5 (Omega) | 8.0% · Purchase ≥ $12,500 · Cap: $400 / month of rewards · Paid in USDT1 source“Tier 5 (Omega)”[4] · help_center · captured 6 Sep 2026 |
| Tier 6 (Infinite) | 10.0% · Purchase ≥ $25,000 · Cap: $600 / month of rewards · Paid in USDT1 source“Tier 6 (Infinite)”[4] · help_center · captured 6 Sep 2026 |
No rewards on: Fees and charges, Mastercard-initiated rebates (MCC 6555).
Subscription rebates
100.0% back on a fixed list of merchants, instead of the ordinary rate. Counts against the monthly reward cap: subscriptions crowd out cashback on everything else.
From Tier 2 (Beta) up. Only when you pay on the merchant's own site — App Store and Google Play do not count.
| Merchant | Available from · standard plan |
|---|---|
| ChatGPT Plus | — |
| Claude Pro | — |
| Netflix | — |
| Spotify | — |
| TradingView | — |
| Financial Times | — |
| Shahid | — |
| iQIYI | — |
Paid in Reward Points at 500 points per USD, pending 4 days. Counts against the tier's monthly cap, so subscriptions crowd out ordinary cashback: Bybit's own example has a Tier 2 user hit the 25,000-point cap on subscriptions and then earn nothing on EUR 500 of retail spend. The merchant list has changed before — Amazon Prime appears in Bybit's worked example but not in the eligible list.
4 sources
“Users from tier 2 and above can enjoy purchase rebates on the following subscription services:”[4] · help_center · captured 6 Sep 2026
“All rebates/rewards are given in the form of Rewards Points based on the equivalent value, and subject to the Maximum Monthly Cashback listed in the table above.”[4] · help_center · captured 6 Sep 2026
“With 100% cashback, $1 or local currency equivalent = 500 points only on selected merchants”[4] · help_center · captured 6 Sep 2026
“Rebates apply only to subscriptions purchased on the merchant’s official website and paid using Bybit Card.”[4] · help_center · captured 6 Sep 2026
Limits
| Spend per month | — not disclosedTier spending limits exist in the fee article but were not itemised in the captured text |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- Spend per month. Tier spending limits exist in the fee article but were not itemised in the captured text
Sources
4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- learn.bybit.com/en/bybit-guide/buy-crypto-credit-debit-card-bybit · help_center · 6 Sep 2026
- www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card · help_center · 6 Sep 2026
- www.bybit.com/en/cards/ · landing · 6 Sep 2026
- www.bybit.com/en/help-center/article/Introduction-to-Bybit-Card-Rewards · help_center · 6 Sep 2026
Report a wrong figure
Availability and terms by country
One row per country with a Cardefi hub, read from the issuer's own country lists. 6 countries are listed as available in total.
| Country | Status | Variant | Issuer / licence |
|---|---|---|---|
| Brazil | Availablechecked 6 Sep 2026terms in Brazil → | Brazil | |
| Australia | Availablechecked 6 Sep 2026 | Australia, Asia Pacific, Georgia, Kazakhstan, Mexico | |
| Argentina | Availablechecked 6 Sep 2026terms in Argentina → | Argentina | |
| Mexico | Availablechecked 6 Sep 2026 | Australia, Asia Pacific, Georgia, Kazakhstan, Mexico | |
| Kazakhstan | Availablechecked 6 Sep 2026 | Australia, Asia Pacific, Georgia, Kazakhstan, Mexico |
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- What does Bybit Card charge on foreign currency?
- Bybit Card adds 2.0% on transactions in a currency other than the account currency.
- Does Bybit Card charge an annual fee?
- The annual fee for Bybit Card is $0.
- How much cashback does Bybit Card pay?
- Bybit Card pays up to 2.0%, which is the highest rate any of its tiers reaches.
- Does Bybit Card work with Apple Pay or Google Pay?
- Bybit Card works with Apple Pay and Google Pay.
- What does Bybit Card charge at an ATM?
- Bybit Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
- Who holds the funds behind Bybit Card?
- The issuer does. Spending on Bybit Card draws on a balance held by the provider, not in a wallet you control.
- Does Bybit Card require identity verification?
- Yes. Bybit Card requires full identity verification before the card can be used.