Bybit Card vs RedotPay Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

PREPAIDBybit logo
CASHBACK
10%
ANNUAL FEE
Free
BYBIT CARD
BYBIT
MASTERCARD

Bybit Card

Bybit
  • High cashback
  • No fees
  • No staking
  • Virtual card
PREPAID
RedotPay logo
CASHBACK
None
ANNUAL FEE
Free
REDOTPAY CARD
REDOTPAY
VISA

RedotPay Card

RedotPay
  • No fees
  • No staking
  • Virtual card
  • Apple Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Bybit Card and the RedotPay Card
CriterionBybit CardRedotPay Card
Overall3.8 / 53.3 / 5
Cost 25%3.5No annual or monthly fee, but FX is about 1–2% in most regions (7% in Argentina), plus a 0.9% conversion fee when spending crypto and 2% on ATM withdrawals above the regional allowance.3.5No monthly or annual fee, but the card costs $10 (virtual) or $100 (physical), every purchase carries a 1% crypto conversion fee, non-USD purchases add 1.2%, and ATM withdrawals cost 2%.
Conditions 25%3.5The 2% Tier 2 rate we score only needs $500 of monthly spend. But the advertised 10% needs $25,000 a month — more than four times the rate most people reach. In the EEA, spending no longer unlocks higher tiers for non-VIP cardholders.5.0There is no reward rate to unlock, so nothing is needed beyond identity verification: no spend level, balance, stake or subscription.
Rewards 25%4.0At $1,500/month you qualify for Tier 2: 2% up to $50/month, about $30, paid as points convertible to USDT at a fixed rate. Tier 2 also adds 100% subscription rebates. In the EEA, non-VIP cardholders earn a flat 1% instead, about $15 at $1,500.1.0There is no cashback. Spending earns RedotPay points, which can only buy tickets for in-app prize draws and can't be cashed out.
Reliability 25%4.0Established exchange with detailed card terms published per region, and our figures are verified against them.3.5RedotPay publishes a dated fee schedule (effective 1 December 2025) and explicit lists of where cards can and can't be issued. The schedule is only an image, though, and several small charges (declines, payments under $1, some merchants) sit outside the headline fees.
Bybit Card

Bybit Card is a strong choice for active Bybit users, but its headline 10% cashback is far less attractive than it looks. The card has no annual or inactivity fees, a solid 2% base reward, six spending-based tiers, and valuable subscription rebates from Tier 2+. But the best rewards require very high monthly spending, cashback is capped, and regional FX, crypto-conversion and ATM costs can seriously reduce its value. For frequent Bybit users who can reach the higher tiers, it is competitive; for casual users, the 10% headline should not be the reason to choose it.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: Reward Points, convertible to USDT cashback (1 point = 0.002 USDT) on the Bybit Card, No cashback on the RedotPay Card.
  • Bybit Card runs on Mastercard; RedotPay Card runs on Visa.
EVERY FIELD

Bybit Card vs RedotPay Card, side by side

Full field-by-field comparison of the Bybit Card and the RedotPay Card
FieldBybit CardRedotPay Card
Card typePrepaidPrepaid
NetworkMastercardVisa
Max cashbackUp to 10%None
Rewards paid inReward Points, convertible to USDT cashback (1 point = 0.002 USDT)No cashback
Annual feeFreeFree
Monthly feeNoneFree
FX feeVaries by region
2% (Australia, Asia Pacific, Georgia), 2% international fee (Kazakhstan/AIFC), 7% (Argentina), 1.5% (Brazil), 2% (Mexico), 1% (Peru)
1.2%
1.20% on purchases in a currency other than the card's default currency. All new cards have been issued in USD since 21 January 2026, so USD purchases carry no FX fee.
ATM feeFree up to the monthly regional allowance
then 2% (e.g. $100 USD in Australia/APAC/Georgia/Kazakhstan; 95,000 ARS in Argentina; 550 BRL in Brazil; $100 USD/1,800 MXN in Mexico). ATM operator fees may also apply. ATM withdrawals are not supported in Peru.
2%
Physical card only. On USD cards, ATM withdrawals cost 2% while your monthly withdrawals stay at or under 10,000 USD, and 3% above that. Older HKD cards pay 2%.
Crypto conversion0.9% (0.5% in Argentina) on top of Bybit's One-Click Sell rate, when funding from crypto rather than fiat
Crypto conversion is not supported in Peru.
1%
RedotPay charges a 1.00% transaction fee on card purchases, which it describes as the cryptocurrency conversion fee.
Where it worksEEA, Switzerland, Australia, Brazil, Argentina, Mexico, Peru, Georgia, Kazakhstan (AIFC), Asia Pacific100+ countries (NOT available in: Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bouvet Island, Burkina Faso, Burundi, Central African Republic, Democratic Republic of the Congo, Croatia, Cuba, Eritrea, Ethiopia, Guinea-Bissau, Haiti, India, Indonesia, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Mainland China, Mali, Montenegro, Morocco, Myanmar, Nepal, Netherlands Antilles, Nicaragua, North Korea, North Macedonia, Russia, Serbia, Singapore, Slovenia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, United States, Venezuela, Yemen, Zimbabwe)
RebatesTradingView, Financial Times, Shahid, iQIYI 100% Reward Points, ChatGPT Plus, Claude Pro, Netflix, Spotify 100% Reward Points—
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual cardYesYes

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

GO DEEPER

Read the full review of each

Bybit Card review →RedotPay Card review →Compare three cards instead

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