Bybit Card
Visa or Mastercard card that spends crypto and fiat from a Bybit Funding Account, issued through regional card programs.
Security record: 1 incident- Mastercard or Visa by region: prepaid in Argentina, Brazil and Peru, credit in the other card regions
- Virtual card for online payments, physical card once you hold a virtual one
- No separate card balance: spends from your Funding Account and Flexible Easy Earn, crypto in an order you set (USDT first by default)
- Points or USDT cashback from 2% to 10% by tier with monthly caps; since 5 October 2026 only crypto-funded spending earns
- 2% ATM fee above the monthly free withdrawal limit
- Cashback
- 2%
- Top cashback needs
- 10%: Higher monthly spend tiers
- Monthly fee
- Free
- FX fee
- 2%
- Conversion fee
- 0.9%
- ATM
- 2% after the first $100 a month
- Custody
- Custodial
- Crypto converts
- At purchase
- Identity check
- Required
Seven criteria from the terms on this page, on a scale of 10. Compare it with other cards only. How we score
- Custody 4.0
- Self-custody is a 10, a custodial balance is a 4.
- Cashback 7.0
- Base tier: 3% or more is a 10, no cashback is a 1. Paid in the project's own token, a rate counts at three quarters.
- FX and conversion 1.3
- Base tier: no fee is a 10, 3% in FX and conversion together is a 1.
- Issuer and record 6.0
- Spends from Bybit custody; regional card issuers not named
- Fees 10.0
- No monthly fee is a 10; a fee or a paid physical card lowers it.
- Regions 6.0
- Latin America, Australia, Georgia, Kazakhstan, Asia-Pacific; no EEA or US
- Phone pay and card types 6.0
- Apple Pay, Google Pay, virtual and physical cards.
- In the Bybit app, go to Finance, then Card, and tap Apply Now
- Select your country of residence and complete identity verification
- Submit the application; review usually takes minutes, up to 7 working days
- Fund your Funding Account with crypto or fiat
- Apply for the physical card from the Card page
- Add the card to Apple Pay or Google Pay where supported
The card spends from balances held by Bybit, and transactions fail if your Bybit account is suspended. Cashback rules change: fiat-funded spending stopped earning on 5 October 2026. Argentina and Brazil add taxes on some foreign purchases.
1 incident
Past incidents 1
Bybit ETH cold wallet hack, about $1.4B to $1.5B. Attackers manipulated a Safe multisig signing interface during a routine transfer from Bybit's ETH cold wallet and drained about 401,000 ETH. Estimates range from about $1.4B to $1.5B and the theft was attributed to North Korean hackers. Bybit said client assets stayed 1:1 backed and closed the ETH gap with loans, deposits and purchases. Bybit CEO Ben Zhou said client assets were 1:1 backed and the exchange covered the loss from treasury and bridge loans; withdrawals continued. https://www.theblock.co/post/342739/bybit-secures-80-lost-eth-bridge-loan-partners-liquidity-crunch-following-hack
Partly own faultNo user losses
Sources: announcements.bybit.com, bloomberg.com, theblock.co
From the project’s statements and security coverage. Own fault means the project’s code, servers or keys; third party means a vendor, registrar, oracle or issuer it relies on.
