Image: Bitunix
Bitunix Card review: fees, cashback and limits
A USDT virtual Visa that works in 173 countries, with VIP cashback up to 8%.
Quick answer
The Bitunix Card is a custodial virtual Visa that spends USDT and is listed in 173 countries. There's no issuance or annual fee, but non-USD purchases cost 1.5%, USD purchases carry a 0.5% cross-border fee and purchases under $10 cost $0.30 after your first three each month. Cashback runs from 1% to 8% in USDT by VIP level, with small monthly caps on the lower levels. There's no ATM access.
Bitunix Card at a glance
| Best for | USDT holders in countries most cards skip who want a quick virtual card. |
|---|---|
| Skip it if | You need ATM cash or want low fees on small purchases. |
| Network | Visa |
| Card issuer | Not disclosed |
| Custody | Custodial (Bitunix holds your balance) |
| Card type | Debit |
| Virtual or physical | Virtual |
| Cashback | 1% to 8% in USDT, VIP-based |
| Annual fee | None |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Listed in 173 countries. |
Bitunix Card fees
| Card cost | None |
|---|---|
| Annual or membership fee | None |
| FX and cross-border | 1.5% on non-USD purchases. 0.5% cross-border fee on USD purchases. |
| Crypto conversion | None |
| ATM withdrawals | ATM withdrawals not supported |
| Other fees | Purchases under $10: $0.30 each after your first 3 a month |
| Inactivity: $1 a month after 12 months without use | |
| Chargeback: $50 |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Bitunix Card app for your country before you load money. To see what Bitunix Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Bitunix Card
These are Bitunix Card's own fees on the Base tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1.5% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 18 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #23 of 27 in Latin America#20 of 24 in Asia-Pacific#13 of 14 in Africa#15 of 16 in Middle East
Cashback and rewards
- VIP 1: 1% (cap 4 USDT a month). VIP 2: 2% (12 USDT). VIP 4: 4% (100 USDT). VIP 6: 6% (400 USDT). VIP 8: 8% (1,000 USDT).
- Each level needs a 100 USDT activation deposit or a monthly spend target, from 300 to 50,000 USDT
Deposits and withdrawals
How to top up
- USDT from your Bitunix account
Fees: Top-up fees not published.
How to withdraw
- Move USDT back to your Bitunix account and withdraw onchain
Fees: Bitunix's network withdrawal fees apply.
Supported assets: USDT.
Where Bitunix Card works
Listed in 173 countries.
Check the app for your country.
Limits and perks
Limits
- $10,000 a day, $50,000 a month
Perks
- None published
Pros and cons
What's good
- No issuance or annual fee
- Very wide country coverage
- Cashback paid in USDT
What's not
- 1.5% FX and even 0.5% on USD purchases
- Small-purchase fee
- Low cashback caps unless you're a high VIP
- No ATM access, virtual only
Our take on Bitunix Card
Bitunix is a derivatives exchange, and its card is a straightforward virtual Visa that spends USDT. It's listed in 173 countries and works with Apple Pay and Google Pay, so it's an option in places many cards don't reach.
The fees are fiddly. Non-USD purchases cost 1.5%, USD purchases still carry 0.5%, and small purchases under $10 cost $0.30 after three free ones a month. Cashback looks generous at up to 8%, but the lower VIP levels cap it at a few USDT a month, so most people will earn very little.
Useful for reach. Too many small fees to be anyone's main card.
How we scored Bitunix Card: 5.3/10
MethodologyBitunix Card FAQ
How much does the Bitunix Card cost?
None. Annual or membership fee: None.
Does Bitunix Card have cashback?
1% to 8% in USDT, VIP-based. VIP 1: 1% (cap 4 USDT a month). VIP 2: 2% (12 USDT). VIP 4: 4% (100 USDT). VIP 6: 6% (400 USDT). VIP 8: 8% (1,000 USDT).
What are the Bitunix Card FX and ATM fees?
FX: 1.5% on non-USD purchases. 0.5% cross-border fee on USD purchases. ATM: ATM withdrawals not supported.
Where is Bitunix Card available?
Listed in 173 countries. Check the app for your country.
Is Bitunix Card self-custody?
Custodial (Bitunix holds your balance).
Sources
- DefiLlama card details: BitunixFees, VIP cashback, limits, countries, verified Sep 30, 2026
We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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