by Bybit · EEA, Switzerland, Australia, Brazil, Argentina…
The Bybit Card is a crypto-backed Mastercard that lets you spend USDT, BTC, ETH and more directly from your Bybit funding account. Tiered cashback (2-10%) is based on VIP status or monthly spending. A unique Auto-Earn feature lets your card spend directly from interest-bearing Flexible Savings.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 10%, in reward points, paid in USDT, BTC, ETH, XRP, TON, USDC, MNT, BNB. No staking required for the base rate.
PLANS & TIERS
Compare the plans
This card has 6 plans. Select one to see its rate, fees and perks.
Base (Tier 1)
Requirement: No requirement — default for all users
2%
Cashback
PRICE
Free
ATM FEE
Free up to $100/mo, then 2%
FX FEE
0.5%
WHAT'S INCLUDED
✓2% cashback (capped at 5 USDT/month)
✓Virtual card free, physical card $5
✓USDT, BTC, ETH, TON, XRP, MNT support
✓Free ATM up to $100/month
Plan
Base (Tier 1)
Beta (Tier 2)
Alpha (Tier 3)
Apex (Tier 4)
Omega (Tier 5)
Infinite (Tier 6)
Cashback
2%
4%
6%
8%
9%
10%
Price
Free
Free
Free
Free
Free
Free
ATM fee
Free up to $100/mo, then 2%
Free up to $100/mo, then 2%
Free up to $100/mo, then 2%
Free up to $100/mo, then 2%
Free up to $100/mo, then 2%
Free up to $100/mo, then 2%
FX fee
0.5%
0.5%
0.5%
0.5%
0.5%
0.5%
Requirement
No requirement — default for all users
VIP1-2 OR $500+ monthly card spend
VIP3 OR $3,500+ monthly card spend
VIP4 OR $9,500+ monthly card spend
VIP5 OR $25,000+ monthly card spend
VIP6+ OR $50,000+ monthly card spend
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0.5%
ATM withdrawal
Cash withdrawal cost
Free up to $100/mo, then 2%
Crypto conversion
When spending crypto directly
0.9%
Issuance fee
One-off cost to get the card
$5 (physical), Free (virtual)
ℹ️ In Reward Points
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓No annual or monthly fees
✓Auto-Earn integration with interest-bearing savings
✓Up to 10% cashback for VIPs
✓Supports TON, MNT and wide range of assets
✓Instant Virtual Card issuance
LOOK ELSEWHERE IF
!0.5% FX fee on foreign currency transactions
!0.9% crypto conversion fee if not spending fiat
!ATM free limit only $100/month
!Complex tier system for meaningful rewards
!Not available in US, UK, France, Canada, China
STANDOUT FEATURES
What sets it apart
✦Auto-Earn Savings Integration
✦VIP Tier Linking
✦Unified Trading Account Compatibility
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD
Common questions
Where can I use the Bybit Card?
+
Does the Bybit Card have an annual fee?
+
Do I need to stake anything to earn rewards?
+
How much can I earn with the Bybit Card?
+
Does it work with Apple Pay and Google Pay?
+
Figures on this page come from Bybit's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
