Hyperbeat Card review: fees, cashback and limits
The Hyperliquid ecosystem's self-custody Visa, with cashback that scales with your trading.
Quick answer
Hyperbeat Pay is a self-custody virtual Visa from the Hyperliquid ecosystem, available in about 50 countries. Everyday cashback starts at 0.2% and rises to 1% with balance and spending boosters, paid in WHYPE. Traders doing $1 million or more a month can earn 3% to 12% on capped spend. FX costs 0.4% to 1% plus up to 3% cross-border, and ATM withdrawals cost $1 plus 0.65%.
Hyperbeat at a glance
| Best for | High-volume Hyperliquid traders. |
|---|---|
| Skip it if | You're a regular spender, since everyday cashback is low. |
| Network | Visa |
| Card issuer | Third National |
| Custody | Self-custody |
| Card type | Spend card |
| Virtual or physical | Virtual |
| Cashback | 0.2% to 1% everyday, up to 12% for big traders |
| Annual fee | Not disclosed |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | About 50 countries, including the UAE, Argentina, Australia, Brazil and Bangladesh. |
Hyperbeat fees
| Card cost | Not listed |
|---|---|
| Annual or membership fee | Not disclosed |
| FX and cross-border | 0.4% to 1%, plus up to 3% cross-border |
| Crypto conversion | Not listed |
| ATM withdrawals | $1 plus 0.65% per withdrawal |
| Other fees | ATM balance inquiry or decline: $0.60 |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Hyperbeat app for your country before you load money. To see what Hyperbeat would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Hyperbeat
These are Hyperbeat'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 4% is higher than the median of 1% across the 60 cards we track with a published FX fee. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #22 of 27 in Latin America#19 of 24 in Asia-Pacific#14 of 16 in Middle East
Cashback and rewards
- 0.2% base, plus 0.2% boosters for holding $1,000 or $10,000 and spending $1,000 or $10,000 a month
- Trading volume bands from $1M (3%) to $50M (12%) a month, on capped spend
- Paid in WHYPE
Deposits and withdrawals
How to top up
- Fund from your self-custody Hyperbeat account
Fees: Not listed.
How to withdraw
- Move funds to any wallet
- ATM withdrawals
Fees: ATM $1 plus 0.65%.
Supported assets: Not publicly listed. Linked to the Hyperliquid ecosystem.
Where Hyperbeat works
About 50 countries, including the UAE, Argentina, Australia, Brazil and Bangladesh.
Check the app for your country.
Limits and perks
Limits
- $100,000 a month
Perks
- None published
Pros and cons
What's good
- Self-custody
- Huge rates for very active traders
- Cheap ATM fees
What's not
- Only 0.2% to 1% for regular users
- Cross-border fee up to 3%
- Rewards in WHYPE
Our take on Hyperbeat
Hyperbeat's card is built for the Hyperliquid crowd. It's a self-custody virtual Visa, and its cashback is mostly a reward for trading volume, from 3% at $1 million a month up to 12% at $50 million, on capped spending.
For everyone else, everyday cashback is 0.2%, rising to 1% with balance and spending boosters. Add FX of 0.4% to 1% and cross-border fees up to 3%, and it's not a cheap card for normal use.
A perk for big Hyperliquid traders, not an everyday card.
How we scored Hyperbeat: 5.4/10
MethodologyHyperbeat FAQ
How much does the Hyperbeat Card cost?
Not listed. Annual or membership fee: Not disclosed.
Does Hyperbeat have cashback?
0.2% to 1% everyday, up to 12% for big traders. 0.2% base, plus 0.2% boosters for holding $1,000 or $10,000 and spending $1,000 or $10,000 a month.
What are the Hyperbeat FX and ATM fees?
FX: 0.4% to 1%, plus up to 3% cross-border. ATM: $1 plus 0.65% per withdrawal.
Where is Hyperbeat available?
About 50 countries, including the UAE, Argentina, Australia, Brazil and Bangladesh. Check the app for your country.
Is Hyperbeat self-custody?
Self-custody.
Sources
- DefiLlama card details: HyperbeatFees, cashback bands, 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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