CoinsOnCards

    Issued by Harmoniie SAS (EEA/Switzerland); Bybit Limited and regional regulated institutions (other regions) — MiCAR license from Austria's Financial Market Authority (FMA) - authorization granted to Bybit EU GmbH (May 28, 2025); AFSA license for international operations

    Bybit CardReview

    Custodial Mastercard/Visa debit card converting crypto from a Bybit account at point-of-sale.

    3.0· Updated: MiCAR license obtained May 2025
    Visit issuer
    Cashback
    Up to 10.0%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    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.

    • 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.
    Get the Bybit Card

    How it works

    • ### Key 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.

    Funding: Crypto transfer to Bybit Funding Account

    Borrowing terms

    This is a prepaid debit card, not a credit card

    Custody & risk

    • If the issuer disappears
      If Bybit ceases operations, user funds may be inaccessible.
    • Counterparty risk
      Custodial solution - if Bybit ceases operations, user funds are inaccessible
    • Regulatory risk
      Bybit has demonstrated willingness to exit markets when regulations change, as seen with UK and France restrictions
    • Regulatory risk
      Crypto regulations continue to evolve globally with potential for regulatory changes to impact card availability or features

    Bybit holds all private keys and manages user funds. Crypto must be deposited into a Bybit Funding Account before it can be spent. Users control spending via the app but do not have direct access to the private keys.

    Protections

    • 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

    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)

    The good

    • 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.

    The catches

    • 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.

    Limitations

    • majorLimited geographic availability - unavailable in US, UK, Canada, China, Singapore, France
    • majorHigh foreign exchange fees in some regions (Argentina: 7% + 5% FX fill = 12% total; Brazil: 1.5% + 3% FX fill = 4.5% total)
    • moderateEEA/Switzerland new users limited to 3 payment crypto assets
    • moderateCustodial solution requiring trust in Bybit's platform
    • moderateCard Lite has €150 lifetime spending limit with no ATM withdrawals
    • 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)

    Recent activity

    • July 7, 2025
      Bybit Card is now available in Mexico
      Bybit Card expanded availability to Mexico

    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.

    Rating breakdown

    Net reward
    3.8
    Custody risk
    2.0
    Availability
    1.5
    User experience
    4.6
    Features & convenience
    4.3

    See our methodology for how we score each axis.