Card Lite (Virtual)
- Card material
- Virtual only
- ATM free
- No ATM withdrawals available
- Issuance fee
- Free
- Requirements
- Basic KYC only (no address proof)
- €150 lifetime spending limit
- Basic functionality
Rewards hunterHarmoniie SAS (EEA/Switzerland); Bybit Limited and regional regulated institutions (other regions)both● Live
Bybit Card
Custodial Mastercard/Visa debit card converting crypto from a Bybit account at point-of-sale.
The Bybit Card is a prepaid debit card (Mastercard or Visa) from cryptocurrency exchange Bybit that automatically converts digital assets for spending at merchants worldwide. The card program varies by region, with European operations managed under MiCAR regulations and over 2 million cardholders globally.
Affiliate link — CoinsOnCards may earn a commission. Reviews are independent. How we rate.
Best for
Active Bybit users seeking up to 10% cashback without token staking.
Skip if
You live in the US, UK, or Canada, or need self-custodial control.
Network
both
Custody
custodial
KYC
full
Max cashback
10%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- No staking required for up to 10% cashback.
- 100% rebates on Netflix, Spotify, Amazon Prime.
- Airport lounge access at 250+ global locations.
- Cashback in USDT, BTC, USDC, or AVAX.
- Visa-network and Mastercard-network support by region.
Watch outs
- Region-dependent crypto support (3 for new EEA users).
- High FX fees in some regions (12% in Argentina).
- No Apple Pay or Samsung Pay in Asia Pacific.
- Offers up to 10% cashback with no staking required.
- High FX fees up to 12% in regions like Argentina.
- Supports Apple Pay and Google Pay in the EEA.
Basic information
The Bybit Card is a crypto-linked debit card that enables users to spend their cryptocurrency holdings at millions of merchants worldwide through instant conversion to fiat currency at the point of sale. It is available as a Mastercard in the EEA & Switzerland and as a Visa in the Asia Pacific region. The card comes in both virtual and physical formats, with over 2 million cardholders. It is issued by Harmoniie SAS in Europe under MiCAR regulations and by Bybit Limited and other regional institutions elsewhere.
Fees
- Monthly/Annual Fee: None
- Inactivity Fee: None
- Virtual Card Issuance: Free
- Physical Card Issuance: Free (until further notice)
- Crypto Conversion Fee: 0.9% (EEA, Brazil, Asia Pacific), 0.5% (Argentina)
- Foreign Exchange Fee: 0.5% (EEA), 7% (Argentina), 1.5% (Brazil), 2% (Asia Pacific)
- FX Fill Fee: 0% (EEA, Asia Pacific), 5% (Argentina), 3% (Brazil)
- ATM Withdrawal Fee: First €100/month free, then 2% (EEA); First withdrawal free, then 2% (other regions)
Limits (EEA & Switzerland - Level 3)
- Daily Spending: €20,000
- Monthly Spending: €100,000
- Annual Spending: €500,000
- Daily ATM Withdrawals: €2,000
- Monthly ATM Withdrawals: €10,000
Spending & ATM limits
- Notes
- Annual spending: €50,000 (Level 1), €250,000 (Level 2), €500,000 (Level 3). Annual ATM: €25,000 (Level 1), €50,000 (Level 2), €70,000 (Level 3). Card Lite has €150 lifetime spending limit.
- Atm Daily
- €500 (Level 1), €1,000 (Level 2), €2,000 (Level 3)
- Atm Monthly
- €2,500 (Level 1), €5,000 (Level 2), €10,000 (Level 3)
- Daily Spending
- €2,500 (Level 1), €10,000 (Level 2), €20,000 (Level 3)
- Per Transaction
- €1,000 (Level 1), €2,500 (Level 2), €5,000 (Level 3)
- Monthly Spending
- €10,000 (Level 1), €50,000 (Level 2), €100,000 (Level 3)
Features
- Instant Conversion: Automatic crypto-to-fiat conversion at point of sale.
- Card Networks: Mastercard for EEA & Switzerland; Visa for Asia Pacific.
- Formats: Available in both virtual and physical versions.
- Auto-Savings: Earn up to 8% APY on idle balances.
- Subscription Rebates: 100% rebates on services like Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT for eligible tiers.
- Travel Benefits: Premium airport lounge access at over 250 global locations via points redemption (VIPs get a 50% discount).
- Platform Integration: Seamlessly integrated with the Bybit trading platform and funding account.
Rewards
### Cashback Structure The Bybit Card offers a tiered cashback program based on the user's VIP level, with no token staking required. Rewards are earned as points (1 point = 0.002 USDT equivalent) and can be redeemed for USDT, BTC, USDC, or AVAX. - **VIP 0 (Standard)**: 2% cashback - **VIP 1-2**: 2% cashback - **VIP 3**: 4% cashback - **VIP 4**: 6% cashback - **VIP 5**: 8% cashback - **Supreme VIP**: 10% cashback ### Other Benefits - **Subscription Rebates**: Users from Tier 2 and above are eligible for 100% purchase rebates in points on services including Netflix, Spotify, and Amazon Prime, subject to monthly cashback caps. - **Auto-Savings**: Earn up to 8% APY on idle balances in the funding account. - **Airport Lounge Access**: Redeem points for access to 250+ global airport lounges, with VIP users receiving a 50% discount on redemption rates.
Availability
Available in 27 countries including select EEA countries, Switzerland, Australia, and Latin American countries (Argentina, Brazil, Mexico). Restricted in 11 countries including US, UK, Canada, France, Singapore, China.
Top-up & funding
- Crypto transfer to Bybit Funding Account
Instant - funds drawn from Funding Account at purchase
Security & custody
- EMV chip with PIN protection
- 3-D Secure (3DS) authentication
- Instant freeze/unfreeze via app
- Mobile wallet tokenization
- 2-Factor Authentication
- Real-time transaction alerts
- PEP screening
Risk note. If Bybit ceases operations, user funds may be inaccessible.
Mobile wallets
Apple Pay—
Google Pay—
Samsung Pay—
Card tiers
VIP 0 (Standard)
- Cashback
- 2% (10x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Monthly limit
- €10,000 (Level 1)
- Issuance fee
- Free
- Requirements
- Basic verified Bybit account
- 5,000 points monthly cap (10 USDT)
- Daily withdrawal ≤ 20K USDT
- Monthly withdrawal ≤ 100K USDT
- Basic rewards access
VIP 1
- Cashback
- 2% (10x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Issuance fee
- Free
- Requirements
- ≥ $100K asset balance OR ≥ $10M 30-day trading volume
- 37,500 points monthly cap (75 USDT)
- Daily withdrawal ≤ 6M USDT
- Exclusive fee discounts
- VIP events access
- 100% subscription rebates
- 50% off airport lounge access
VIP 2
- Cashback
- 2% (10x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Issuance fee
- Free
- Requirements
- ≥ $250K asset balance OR ≥ $25M 30-day trading volume
- 75,000 points monthly cap (150 USDT)
- VIP Ambassador
- Welcome Gifts
- 100% subscription rebates
- 50% off airport lounge access
VIP 3
- Cashback
- 4% (20x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Issuance fee
- Free
- Requirements
- ≥ $500K asset balance OR ≥ $50M 30-day trading volume
- 100,000 points monthly cap (200 USDT)
- VIP Ambassador
- Welcome & Birthday Gifts
- 100% subscription rebates
- 50% off airport lounge access
VIP 4
- Cashback
- 6% (30x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Issuance fee
- Free
- Requirements
- ≥ $1M asset balance OR ≥ $100M 30-day trading volume
- 150,000 points monthly cap (300 USDT)
- Daily withdrawal ≤ 8M USDT
- All lower tier benefits
- 100% subscription rebates
- 50% off airport lounge access
VIP 5
- Cashback
- 8% (40x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Issuance fee
- Free
- Requirements
- ≥ $2M asset balance OR ≥ $250M 30-day trading volume
- 200,000 points monthly cap (400 USDT)
- Daily withdrawal ≤ 10M USDT
- All lower tier benefits
- 100% subscription rebates
- 50% off airport lounge access
Supreme VIP
- Cashback
- 10% (50x multiplier)
- Card material
- White plastic with Bybit logo and EMV chip
- ATM free
- First €100/month free
- Issuance fee
- Free
- Requirements
- ≥ $500M 30-day derivatives trading volume
- 300,000 points monthly cap (600 USDT)
- Daily withdrawal ≤ 12M USDT
- Free physical card with expedited delivery (3 days)
- 100% subscription rebates
- 50% off airport lounge access
Loan & credit features
This is a prepaid debit card, not a credit card
Banking services
What users say
App Store
4.7/5.0 (42,657 ratings)
Google Play
4.6/5.0 (1,345,570 ratings)
Trustpilot
3.4/5.0 (6,338 ratings)
Positive aspects: Seamless crypto-to-fiat conversion, worldwide acceptance, generous rewards, minimal fees. Pain points: Limited country support, restricted crypto selection, occasional support delays for complex issues.
Risks & limitations
Risks
- CounterpartyCustodial solution - if Bybit ceases operations, user funds are inaccessible
- RegulatoryBybit has demonstrated willingness to exit markets when regulations change, as seen with UK and France restrictions
- RegulatoryCrypto regulations continue to evolve globally with potential for regulatory changes to impact card availability or features
- MarketSpending crypto via the card constitutes a crypto-to-fiat conversion which may be a taxable event in many jurisdictions
Limitations
- majorLimited geographic availability - unavailable in US, UK, Canada, China, Singapore, France
- moderateEEA/Switzerland new users limited to 3 payment crypto assets
- majorHigh foreign exchange fees in some regions (Argentina: 7% + 5% FX fill = 12% total; Brazil: 1.5% + 3% FX fill = 4.5% total)
- moderateCustodial solution requiring trust in Bybit's platform
- minorMobile wallet support varies by region - Asia Pacific lacks Apple Pay and Samsung Pay
- minorPremium AI service rebates were limited-time promotional offer (May 13 - June 13, 2025)
- moderateCard Lite has €150 lifetime spending limit with no ATM withdrawals
Latest updates
- July 7, 2025Bybit Card is now available in MexicoBybit Card expanded availability to Mexico
Roadmap
Recently shipped
- MiCAR license obtained May 2025
- USDC cashback option added April 18, 2025
- AVAX cashback option added February 14, 2025
- Mexico availability added July 7, 2025
Best suited for
Active Bybit traders who want to directly spend trading profits, crypto investors seeking everyday purchases without manual conversions, high-volume users benefiting from tiered VIP structure, and subscription service users maximizing 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT.
Our verdict
The Bybit Card stands out in the crypto card market with its combination of zero annual fees, region-dependent competitive conversion rates (0.5-0.9%), and industry-leading rewards program offering up to 10% cashback without requiring token staking. The integration with Bybit's trading platform creates a seamless experience, allowing users to instantly spend trading profits with minimal friction.
Ready to apply for the Bybit Card?
We may earn a commission if you apply through this link. Our reviews remain independent.
Visit official site