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Bybit WSOT 2026. https://t.co/x7RarsAdv5
Bybit Card
Custodial Mastercard crypto debit card with up to 10% cashback on eligible spending
3.3/ 5
Our score
Fair
Monthly fee
Free
Foreign exchange fee
0%
Max cashback
10%
Card network
Mastercard
What is Bybit Card?
Bybit Card is a custodial crypto debit card linked to a Bybit account. The Mastercard card converts eligible crypto-funded purchases for payment and offers tiered cashback from 2% to 10%. Fiat-funded spending is not eligible for cashback from October 5, 2026.
Who is behind it
The card is a payment product of Bybit, the cryptocurrency exchange. Bybit provides the account, card controls and rewards program, while the regional card program determines availability and operational terms. The card is not a self-custody wallet: its spending balance remains within the Bybit account.
How it works
Eligible customers can use virtual or physical card formats at participating Mastercard merchants. Spending comes from the user's crypto balance rather than a bank account, with crypto converted for payment. Bybit applies rewards tiers to eligible crypto-funded purchases. Rewards Points become available after four calendar days, and 50 points are needed for conversion. Each point converts to 0.002 USDT, with cashback credited to the Funding Account or used in the Rewards Market.
Bybit lists 24/7 fraud monitoring, two-factor authentication and card controls that can freeze or unfreeze the card in the app. The card has a daily spending limit of up to $10,000, a monthly limit of up to $50,000 and a daily ATM withdrawal limit of up to $500.
Fees and availability
The card has no annual fee and a 0% foreign transaction fee. ATM withdrawals cost 2%, with a minimum charge of $1. Card issuance and replacement have no fee for VIPs holding Australia, Kazakhstan AIFC, Georgia or Asia Pacific physical cards. Other card fees depend on the regional program.
Availability is limited to eligible countries, with 30+ countries reported in June 2026. The current card page says the product is not meant for European Economic Area customers and prohibits EEA customer participation. The card is also available in the United Kingdom and UAE under regional conditions.
Risks and limitations
Custody creates dependence on Bybit and its compliance decisions. Cashback depends on eligible crypto spending, reward tiers and monthly caps, while rewards paid in USDT still depend on the program's rules. Crypto conversion can affect the amount spent. Mastercard or Visa network charges may apply to international ATM or cross-currency transactions even when Bybit's stated FX fee is 0%.
Founders
Ben ZhouCEO & Co-Founder
Best for:Eligible non-EEA residentsCrypto-funded everyday spendingOnline Mastercard paymentsUsers already holding Bybit balances
Pros and cons
Pros
- Up to 10% cashback on eligible crypto-funded purchases
- 0% stated foreign transaction fee
- Daily spending limit reaches $10,000
- Virtual and physical card formats
- In-app freeze and unfreeze controls
Cons
- Custodial balance depends on Bybit account access
- EEA customers are currently excluded
- ATM withdrawals cost 2%, minimum $1
- Fiat-funded spending earns no cashback
- Cashback tiers and caps determine the effective reward
Our review
3.3/5
Fair
Bybit Card combines crypto-funded Mastercard spending with up to 10% cashback, but its custodial model and restricted regional access limit its appeal.
Bybit Card is a custodial crypto debit card linked to a Bybit account. The regional program can use Mastercard or Visa, although the listed product is a Mastercard card. Crypto is converted for card payments, so spending does not come directly from a self-custody wallet.
Eligible crypto-funded purchases earn 2% to 10% cashback, while fiat-funded spending is excluded from rewards from October 5, 2026. Points become available after four calendar days, and 50 points convert at 0.002 USDT each. Subscription cashback can reach 100% for VIPs and non-VIPs on Tier 3 (Alpha) and above, subject to the terms.
There is no annual fee and the stated foreign transaction fee is 0%, which helps for card purchases abroad. ATM withdrawals cost 2%, with a minimum of $1. The card has limits of up to $10,000 per day in spending, $50,000 per month and $500 per day at ATMs. Issuance and replacement are free for qualifying VIP physical-card holders in Australia, Kazakhstan AIFC, Georgia and Asia Pacific, but that condition does not apply broadly.
Access is restricted by regional eligibility. The card is available in 30+ countries, while the current product page says it is not meant for European Economic Area customers. It also excludes users in regions where the program is unavailable, including the United States according to the stated regional coverage.
Bybit supplies 24/7 fraud monitoring, two-factor authentication and in-app freeze controls.
Sources (1)
Fees & limits
| Card type | Debit |
|---|---|
| Card network | Mastercard |
| Card format | Virtual, Physical · unverified |
| Custody | Custodial |
| Max cashback ⓘ | 10% · unverified |
| Rewards paid in | USDT · unverified |
| Welcome bonus | Earn up to 110 USDT cashback in the first 30 days · unverified |
| Monthly fee | Free · unverified |
| Annual fee | Free · unverified |
| Foreign exchange fee | 0% · unverified |
| ATM withdrawals | 2%, minimum $1 · unverified |
| Daily spending limit | Up to $10,000 · unverified |
| ATM withdrawal limit | Up to $500 per day · unverified |
| Available in | United Kingdom, Asia-Pacific, Middle East · unverified |
| Not available in | European Economic Area · unverified |
| Spendable assets | Crypto assets, USDT · unverified |
| Spend stablecoins | Yes · unverified |
| Perks | 2%–10% cashback on eligible crypto spending, 100% cashback on eligible subscriptions, 24/7 fraud monitoring, Two-factor authentication, Instant card controls · unverified |
| Referral program | Yes · unverified |
Not disclosed by the provider: KYC required, Business card, Staking needed for top rewards, Card issuance fee, Top-up fee, Crypto conversion spread, Top-up networks, Card currencies, Apple Pay, Google Pay, Good for, Card issuer, Virtual card fee.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Tiered crypto cashback
Eligible crypto-funded purchases earn 2% to 10% cashback. Fiat-funded spending is excluded from rewards from October 5, 2026.
Virtual and physical cards
The card is available in virtual and physical formats for eligible regional programs and uses the Mastercard network.
USDT reward conversion
Rewards Points become available after four calendar days. A minimum of 50 points converts at 0.002 USDT per point.
High spending limits
The card supports daily spending up to $10,000 and monthly spending up to $50,000.
ATM withdrawals
Daily ATM withdrawals reach up to $500 and incur a 2% fee with a $1 minimum.
Zero stated FX fee
Bybit lists a 0% foreign transaction fee, although payment-network charges may apply to some cross-currency transactions.
In-app card controls
Users can freeze or unfreeze the card in the app, with two-factor authentication and 24/7 fraud monitoring.
Subscription coverage
The card page advertises 100% cashback on eligible subscriptions for VIPs and non-VIPs on Tier 3 Alpha and above.
Inside Bybit Card
New user welcome package
New users can earn up to 110 USDT cashback during their first 30 days. The package also includes trading vouchers with terms set by the offer.
Trading perks
Welcome vouchers can be redeemed for lower trading fees on initial trades through the Bybit account.
2%–10% cashback on everyday spending
Eligible crypto-funded card purchases earn tiered cashback from 2% to 10%. Fiat-funded spending is excluded from cashback.
Auto interest
The card page describes automatic interest on the available balance and states that there are no annual fees.
100% cashback on subscriptions
Eligible users can receive full monthly coverage for subscriptions. The offer is limited to VIPs and non-VIPs on Tier 3 (Alpha) and above, subject to the terms.
Security features
Bybit provides 24/7 fraud monitoring, two-factor authentication and instant controls to freeze or unfreeze the card.
What users say about Bybit Card
Recent Reddit posts praise the card’s integration with crypto spending, mobile wallets, and cashback. Other posts report prolonged account restrictions, reduced cashback, delivery problems, and disputed transactions.
Top goods
In their own words
“My experience with the ByBit Card for daily spending- Is it still worth it in 2026? I've been using the ByBit Card as my primary crypto card for a while now to cover everyday purchases directly from my crypto balance. Pros: ° Very smooth integration with the ByBit spot wallet.”
“The Bybit Card is already a strong step toward real world crypto adoption because it removes the friction between holding crypto and actually spending it, especially with instant conversion from the Funding Account and benefits like the 10 USDT welcome bonus and 10% cashback in the first month”
“Account fully restricted after withdrawal flagged as high-risk address — escalated to compliance with no timeline My Bybit account has been fully restricted since June 26, 2026.”
“bybit card not ariving to dozen people 1.5-2 month already Is this a normal situation right now? We pay 30 usdt for shipping and get nothing at the end.”
“High cashback rate is over At least in EU. Just got email: Key modifications for non-VIP users: Standard Cashback Adjustment: The standard cashback benefit will transition from the current rate of 2%-10% on eligible Bybit EU Card Transactions with a variable cap, depending on your spending tier…”
“Transaction declined, need to enter PIN... on a virtual card This is the second online payment that failed with a notification that I need to enter PIN, this time paying for a parcel service: > Dear Bybit Card holder, > Bybit Card: Your transaction of 3.73 EUR to omniva.lt on [number]:46:22 failed…”
Scam warning: Impersonation websites are being used to imitate Bybit and collect users’ information or funds.
Scam warning: Unofficial card and support offers on messaging platforms may be scams.
Based on 200 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Bybit Card? Share your experience below.
FAQ
What is Bybit Card?
Bybit Card is a custodial crypto debit card that converts crypto held in a Bybit account for card payments. It is available in virtual and physical formats through regional Mastercard or Visa programs.
What fees does Bybit Card charge?
Bybit Card has no annual fee and a stated 0% foreign transaction fee. ATM withdrawals cost 2%, with a minimum charge of $1.
Where is Bybit Card available?
Bybit Card is available in 30+ countries and regions, but the current product page says it is not meant for European Economic Area customers. Availability depends on the regional card program.
Is Bybit Card custodial?
Yes, Bybit Card is custodial because it spends crypto held in a Bybit account. The account includes two-factor authentication, 24/7 fraud monitoring and controls to freeze or unfreeze the card.
How much cashback does Bybit Card pay?
Eligible crypto-funded purchases earn 2% to 10% cashback. Fiat-funded spending is not eligible, and Rewards Points become available after four calendar days before conversion to cashback.
What are the Bybit Card spending and ATM limits?
The stated limits are up to $10,000 in daily spending, $50,000 in monthly spending and $500 in daily ATM withdrawals. Actual access depends on the regional program and account eligibility.
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Recent public posts from @Bybit_Official, shown as published. Not reviewed or endorsed by CryptoReview.
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