Image: Bybit
Bybit Card review: fees, cashback and limits
An exchange card that spends straight from your Bybit balance, with cashback up to 10% by VIP level.
Quick answer
The Bybit Card is a custodial Mastercard that spends from your Bybit exchange balance. There's no annual fee. On the EEA and Swiss program, FX costs 0.5% on top of Mastercard's rate, crypto conversion costs 0.9% and ATM use is free up to €100 a month, then 2%. Cashback ranges from about 1% to 10% by VIP level, paid in BTC, USDT, USDC or AVAX. On the global program, only purchases paid with crypto earn cashback since October 2026. Outside Europe, FX is usually 1.5% to 2%. It isn't available in the US, UK, Canada or Singapore.
Bybit Card at a glance
| Best for | Active Bybit traders in Europe, Latin America or Asia-Pacific who already hold funds on the exchange. |
|---|---|
| Skip it if | You live in the US, UK or Canada, or you don't want to keep money on an exchange. |
| Network | Mastercard |
| Card issuer | Varies by region. Harmoniie SAS for the EEA and Swiss program. |
| Custody | Custodial (your balance sits on the Bybit exchange) |
| Card type | Debit in Europe. Credit in some Asia-Pacific and Mexico programs. |
| Virtual or physical | Virtual and physical |
| Cashback | About 1% to 10% by VIP level |
| Annual fee | None |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | EEA and Switzerland (through Bybit EU), Australia, Argentina, Brazil, Mexico, Kazakhstan and parts of Asia-Pacific. The bybit.com EUR card closed to new EEA applicants on January 1, 2026. |
Bybit Card fees
| Card cost | Physical card or replacement about €5 (EEA and Swiss program). Virtual card free. |
|---|---|
| Annual or membership fee | None |
| FX and cross-border | EEA and Switzerland: 0.5% on top of Mastercard's rate. Other programs listed by trackers: 1% Peru, 1.5% Brazil, 2% Asia-Pacific, Australia, Mexico and Kazakhstan, 7% Argentina. |
| Crypto conversion | 0.9% when crypto is converted to pay (minimum €1 or $1), EEA and Swiss program |
| ATM withdrawals | EEA and Switzerland: free up to €100 a month, then 2%. Some other programs list $100 a month free. |
| Other fees | No monthly, inactivity or cancellation fees |
| Virtual Card Lite has a €150 lifetime spending cap |
Mastercard applies its own exchange rate on top of any card markup. Check the fee page in the Bybit Card app for your country before you load money. To see what Bybit Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Bybit Card
These are Bybit Card's own fees on the EEA, non-VIP tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 2% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 8 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #13 of 36 in Europe (EEA)#12 of 27 in Latin America#10 of 24 in Asia-Pacific
Cashback and rewards
- Rates rise with your Bybit VIP level. Reviewers list 1% for non-VIP users up to 10% for the top tier.
- Bybit's January 2026 announcement describes 2% to 10% depending on rewards tier
- Choose your payout: BTC, USDT, USDC or AVAX. Credited daily to your Funding account.
- VIP tiers have monthly caps that Bybit doesn't publish
- ATM withdrawals and P2P transfers don't earn cashback
- Global program: from 5 October 2026 only crypto-funded purchases earn cashback or Rewards Points. Fiat-funded purchases earn nothing.
Deposits and withdrawals
How to top up
- Spends directly from your Bybit Funding account, converting crypto at checkout
- Deposit crypto to Bybit from any wallet
- Buy crypto on Bybit with a bank card or P2P in supported regions
Fees: No separate card top-up fee. Crypto conversion at checkout costs 0.9% on the EEA program.
How to withdraw
- Withdraw crypto from Bybit to any wallet
- Sell crypto through Bybit P2P in supported regions
- ATM cash withdrawals
Fees: Network fees for crypto withdrawals. ATM 2% after the free monthly allowance.
Supported assets: Any supported balance in your Bybit Funding account, including USDT, USDC, BTC and ETH.
Where Bybit Card works
EEA and Switzerland (through Bybit EU), Australia, Argentina, Brazil, Mexico, Kazakhstan and parts of Asia-Pacific. The bybit.com EUR card closed to new EEA applicants on January 1, 2026.
Not available in the US, UK, mainland China, Hong Kong, Singapore, Canada or sanctioned countries.
Limits and perks
Limits
- EEA program: €5,000 per transaction and €5,000 per day
- ATM: up to €2,000 per day on physical cards
- Other regions have their own limits, for example $50,000 a day in Australia
Perks
- Pick your cashback asset, including Bitcoin
- New-user promotions, such as up to 10% in BTC on selected categories (capped at €150, January 2026)
Pros and cons
What's good
- No annual fee and low 0.5% FX in Europe
- Cashback in BTC or stablecoins
- Spends straight from your exchange balance, no separate top-up
- Free ATM allowance each month
What's not
- Custodial: your money sits on an exchange
- Best cashback rates need a high VIP level, with unpublished caps
- 0.9% conversion fee when you spend crypto
- Not available in the US, UK, Canada or Singapore
- Terms vary a lot by country
Our take on Bybit Card
The Bybit Card makes most sense if you already trade on Bybit. The card spends straight from your Funding account, so there's no separate wallet to top up. Crypto is converted at checkout, and you pick whether cashback lands as BTC, USDT, USDC or AVAX.
On the European program, fees are reasonable: no annual fee, 0.5% FX on top of Mastercard's rate, and free ATM withdrawals up to €100 a month. The cost to watch is the 0.9% conversion fee when you spend crypto rather than fiat, with a €1 minimum, which stings on small purchases. Keep a stablecoin or euro balance for everyday spending.
Cashback depends on your VIP level, and Bybit doesn't publish the monthly caps. Reviewers list 1% for regular users, while Bybit's own January 2026 announcement says 2% to 10% by tier. The truth for most people is the lower end, so treat 10% as a ceiling for heavy traders.
Terms change a lot by country. The Argentine program, for example, lists a 7% FX fee. Check the fee page inside the app for your region before you rely on it.
A convenient card for Bybit users in Europe and emerging markets. Keep balances modest, spend stablecoins to avoid conversion fees, and don't count on the top cashback tier.
How we scored Bybit Card: 6.4/10
MethodologyRecent Bybit Card updates
All newsBybit's global card stops paying cashback on fiat-funded purchases
From 5 October 2026, only purchases funded with crypto earn cashback or Rewards Points on Bybit's global card program. Purchases paid from a fiat balance still work but earn nothing. The change doesn't apply to Bybit EU.
Bybit Card FAQ
Does the Bybit Card have an annual fee?
No. There are no annual, monthly, inactivity or cancellation fees. A physical card costs about €5 on the European program.
How much cashback does the Bybit Card give?
It depends on your VIP level. Reviewers list 1% for regular users rising to 10% at the top tier, and Bybit describes 2% to 10% by rewards tier. Monthly caps apply.
Is the Bybit Card available in the US or UK?
No. It isn't offered in the US, UK, Canada, Singapore, Hong Kong or mainland China.
What are the Bybit Card's FX fees?
On the EEA and Swiss program, 0.5% on top of Mastercard's rate. Other regions differ, from 1% in Peru to 7% in Argentina.
Sources
- Bybit: Introduction to Bybit Card RewardsCrypto-funded purchases only from Oct 5, 2026
- Bybit: Fees and spending limitsFX, conversion, card and ATM fees by country, updated Sep 10, 2026
- CryptoSlate: Bybit Card reviewRegions, VIP cashback, EEA fee schedule, limits, updated Oct 3, 2026
- Bybit EU: Bitcoin cashback on the Bybit Card (PR Newswire)2% to 10% cashback, no annual fee, Jan 19, 2026
- DefiLlama card details: BybitRegional FX fees and limits, verified Sep 1, 2026
We checked these sources on 15 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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