Bybit Card Review

Our Bybit Card review

The Bybit Card is a Mastercard debit card that spends the crypto in your Bybit account. In the EEA it is issued through Bybit EU, and since the end of 2025 that is the only way for EEA residents to get it. Every user earns 1% cashback with no monthly cap, and VIP users can earn far more.

In our view the card is most interesting for active Bybit traders with a VIP level. For a regular user, the 0.9% crypto conversion fee takes most of the 1% cashback, so the card is more about convenience than rewards.

How the card works

The card does not maintain a balance of its own. It accesses your Bybit EU Funding Account, and you can select up to three payment assets, with the default order being USDC, BTC, ETH, MNT, GRAM, XRP, and then EURC. At the time of payment, the crypto is sold with a 0.9% conversion fee added to Bybit EU's sell rate. You can opt for a virtual or physical card and add it to Apple Pay, Google Pay, or Samsung Pay.

Rewards

Non-VIP users receive 1% cashback without a monthly cap. VIP users progress through higher tiers, each with a specific monthly cashback limit:

• Tier 2, VIP 1 and 2: 2% (cap 50 EUR)
• Tier 3, VIP 3 or 3,500 EUR spend: 4% (150 EUR)
• Tier 4, VIP 4 or PRO 1, or 9,500 EUR spend: 6% (250 EUR)
• Tier 5, VIP 5 or PRO 2, or 12,500 EUR spend: 8% (400 EUR)
• Tier 6, Supreme VIP or PRO 3 to 5, or 25,000 EUR spend: 10% (600 EUR)

Only VIP users can upgrade through card spending. The tiers are determined by your Bybit VIP level and card spending, not by staking or holding a token. Rewards are delivered as points valued at 0.002 EUR each, with 500 points equating to 1 EUR. These points remain pending for 4 calendar days before usage. From Tier 2, VIP users also receive point rebates on subscriptions like TradingView, ChatGPT, Netflix, Spotify, and Amazon Prime within the monthly cap.

Fees and limits

There is no annual fee, inactivity fee, or fee for the virtual card and the first physical card, but a replacement physical card costs 5 EUR. Payments made in a foreign currency incur an additional 0.5% on top of the Mastercard exchange rate. The first 100 EUR of ATM withdrawals each month are free, with a subsequent charge of 2%.

In the base tier, the spending limit is up to 5,000 EUR per day and 10,000 EUR per month, with an ATM withdrawal limit of 2,000 EUR per day. Higher limit tiers allow spending up to 15,000 EUR per day.

Who can get it

The Bybit EU Card is available to residents of supported EEA countries with a verified Bybit EU account, excluding Malta. Bybit does not accept new registrations from UK residents and does not offer services in the United States, Canada, or Singapore. Separate Bybit Card programs exist on bybit.com for markets such as Australia, Argentina and Brazil, with distinct issuers and fees.

Who it is for

We believe the Bybit Card is well-suited for Bybit traders in Europe who have achieved a VIP level and wish to spend part of their balance. For non-VIP users, the cashback merely offsets the conversion fee.

In Europe, the MetaMask Card review covers a card that spends directly from your wallet. For those in the US, the Coinbase Card review and KAST Card review cover available cards there.

For more information on the exchange behind the card, refer to our Bybit review. To compare all cards, start at our crypto card comparison or the crypto debit cards list.