The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
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by the cryptodebitcards editorial desk · review version 4 · prose updated 2026-09-21 · facts as of 2026-09-21 · how we verify
The Bybit Card is a debit card offered by Bybit, a derivatives exchange founded in 2018, operating on the Mastercard network. It is available in both physical and virtual form factors, and is designed for users who want to spend their cryptocurrencies directly. The card is available in several regions, including APAC, MENA, LATAM, and GLOBAL, but is explicitly excluded from the EEA.
The Bybit Card has a free virtual card issuance in supported regions, with no monthly fees. The top-up fee is 0.9% with a minimum of $1, and the FX fee varies by region, ranging from 1% to 7%. The ATM fee is 2% after the first $100/month in some regions, with varying limits in others. There are no annual fees, inactivity fees, or cancellation fees.
The Bybit Card requires full exchange KYC, including proof of address in supported regions, before card application. The KYC process is triggered by the exchange's identity verification requirements. Once KYC is completed, the card can be ordered, and shipping times vary depending on the region.
The Bybit Card supports native loading of USDT, and conversion of other cryptocurrencies such as BTC, ETH, USDC, XRP, and SOL. There is no minimum top-up amount specified, and the card spends from the Funding Account and Flexible Easy Earn balances, with fiat deducted first and crypto auto-liquidated at the One-Click Sell rate plus the conversion fee.
The Bybit Card offers a cashback rate of 2-10% in USDT, with a welcome package of up to 110 USDT cashback in the first 30 days. The cashback tiers scale with monthly spend, and there is also a 100% rebate on selected subscriptions.
Bybit, the operator of the card, has a reputation as one of the largest derivatives exchanges, with a claimed 60 million users. However, the exchange has experienced a significant incident in the past, with a $1.4 billion ETH hack in February 2025, which was covered by the exchange. The card program has been actively marketed, and there have been no card-program-specific incidents documented. Reddit reviewers mention positive experiences with the card, but also warn about potential FX spread issues.
The Bybit Card offers aggressive rewards, including 2-10% USDT cashback tiers and 100% rebates on selected subscriptions. However, it requires full exchange KYC and is explicitly unavailable in the EEA. Users should be aware of the potential FX spread issues and the fact that the platform carries the memory of the 2025 mega-hack.
| Issuance | Free virtual card issuance in supported regions (physical card availability varies) |
|---|---|
| Monthly | none |
| Top-up fee | 0.9% |
| FX fee | 2% |
| ATM fee | 2% |
| Fine print | No annual fees on either program. No separate top-up step or top-up fee: the card spends the Funding Account / Flexible Easy Earn balance directly; fiat balances spend at 0%. Transactions funded with crypto pay a crypto conversion fee on top of Bybit's One-Click Sell rate: 0.9% min $1 (Australia, Brazil min 10 BRL, AIFC, Georgia, Kazakhstan, Asia Pacific), 0.5% min 5,000 ARS (Argentina). FX fees by region: Australia 1%, Brazil 1.5% (+3% FX padding), Argentina 7% (+5% padding), AIFC/Georgia/Kazakhstan/Asia Pacific 2%, Peru 1%; AIFC charges FX even on cross-border USD purchases. Fee schedule per the official help-center article (Wayback 2026-06-16; live article geo-blocked). |
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Based on our checks as of 2026-09-21: Bybit Card scores 6.4/10 in our weighted review. We logged no red flags. User reports and the operator background are documented with dated sources in the meta-review below.
Yes, full exchange KYC is required before card application.
The card charges a top-up fee of 0.9% with a minimum of $1, and FX fees varying by region.
The card supports native loading of USDT, and conversion of other cryptocurrencies such as BTC, ETH, USDC, XRP, and SOL.
Yes, the card offers a cashback rate of 2-10% in USDT.
The card is available in several regions, including APAC, MENA, LATAM, and GLOBAL, but is explicitly excluded from the EEA.
The card is available in both physical and virtual form factors.
The safest pair of hands in the comparison: NASDAQ-listed issuer context, FDIC-member bank card, zero fees on USD/USDC spending and no staking requirement. The trade-offs: US-only (no Hawaii), rewards rates are variable in-app only, and non-USDC crypto spends trigger auto-sell with spread and taxes.
The most generous crypto-rewards credit card in the US market - up to 6% back in BTC or CRO with no annual fee - but the best rates require CRO staking or a Level Up subscription, BTC earn is capped by tier, and it is credit (with bureau approval), not a debit card you can top up with crypto.
The most mature crypto prepaid card in the US - FDIC-member bank issued, $25k/month top-ups and clean tier structure - but the free tier earns nothing, real cashback requires a subscription or five-to-six-figure CRO stakes, and rewards are paid in volatile CRO.
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