The Bybit Card delivers genuinely strong cashback (2–10%) without requiring you to stake a volatile token — a real differentiator. But the tradeoffs are significant: only seven cryptos are supported for spending, conversion and FX fees stack up fast on non-EUR purchases, and availability across the EEA is uneven — some countries like France and Romania are technically available via Bybit EU but with feature restrictions that aren't clearly documented. It's a solid pick for existing Bybit users in supported countries who want an easy off-ramp. For everyone else, the limitations add up.
The Bybit Card is a debit mastercard card linked to your Bybit account. You can spend stablecoins directly. Top up via crypto, bank_transfer, debit_card, credit_card, then spend anywhere mastercard is accepted. Earn ~2% at base level, up to ~10% at highest VIP tier. Paid as Rewards Points convertible to crypto. cashback on purchases.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Issuance Fee | $5 |
| Conversion Fee | 0.9% on crypto-to-fiat conversion at point of sale |
| Foreign Exchange Fee | 0.5% in EEA/Switzerland. 1% in Australia. Up to 7% in Argentina. |
| Top-up Fee | No fee to spend existing Funding Account balance. Standard Bybit deposit/buy fees apply when funding. |
| ATM Free Limit | $100/mo |
| ATM Fee After Limit | 2% |
Note: Conversions use Bybit's One-Click Sell rate + 0.9% card conversion fee + any regional FX markup.
Earn ~2% at base level, up to ~10% at highest VIP tier. Paid as Rewards Points convertible to crypto. cashback on purchases. Rewards paid in Rewards Points, USDT, USDC, BTC. Monthly cap: ~$5/month at default level, scaling up to ~$600/month at Infinite VIP tier..
Funds in Bybit Earn products can generate yield while remaining spendable via the card.
This tier is free to access — no staking, deposits, or spending requirements.
No staking or subscription. Cashback level scales with VIP tiers driven by monthly card + Bybit Pay spending volume.
✓ Two-factor authentication. ✓ Instant card freeze. ✓ Biometric authentication. Custody model: custodial.
Licenses: MiCA CASP (Austria FMA)
Bybit EU GmbH holds a MiCA CASP license from Austria's FMA, enabling EEA-wide passporting. In France, Bybit EU is on the AMF white list and authorized to provide crypto-asset services under free provision of services, though some card features remain restricted per AMF directives. The legacy bybit.com entity was previously blacklisted by the AMF (removed Feb 2025) — this is a separate entity from Bybit EU.
Top up your card with 7 cryptocurrencies. Fiat top-ups supported in EUR, USD.
Available across most of the EEA via Bybit EU (bybit.eu), plus Norway, Switzerland, Australia, Argentina, Brazil, AIFC-eligible countries, parts of APAC, and Mexico. Croatia, Iceland, Ireland and Liechtenstein are firmly excluded. France and Romania are available via Bybit EU (MiCA passporting) but with some feature restrictions — Bybit's own documentation is inconsistent on what exactly is restricted. Legacy bybit.com EUR cards were migrated to Bybit EU in early 2026.
The Bybit Card delivers genuinely strong cashback (2–10%) without requiring you to stake a volatile token — a real differentiator. But the tradeoffs are significant: only seven cryptos are supported for spending, conversion and FX fees stack up fast on non-EUR purchases, and availability across the EEA is uneven — some countries like France and Romania are technically available via Bybit EU but with feature restrictions that aren't clearly documented. It's a solid pick for existing Bybit users in supported countries who want an easy off-ramp. For everyone else, the limitations add up.
Visit Bybit to get started with the Bybit Card.
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