Good
- 1% cashback with no monthly cap on the free plan in Europe
- 0.5% FX fee and a free physical card in Europe
- Google Pay everywhere, Apple Pay in most regions
- Outside Europe, higher tiers come from card spending, no staking
Watch out
- 10% cashback needs $25,000 a month in spending or top VIP status
- Outside Europe the free plan earns at most $5 a month
- Every payment carries a 0.9% crypto conversion fee
- Not available in the US or the UK
Bybit Card is a free crypto debit card that spends directly from a Bybit exchange account. In Europe it pays 1% cashback with no monthly cap and charges 0.5% on foreign-currency payments. Elsewhere the free plan pays 2% on the first $250 a month. The advertised 10% is for Bybit VIPs and very heavy spenders.
Bybit runs the card as separate regional programs, each with its own issuer, network and fees, so a customer in Germany gets a euro Mastercard from Bybit EU while a customer in Turkey gets a dollar Visa. Pick your country at the top of the page and every table below shows the terms for that program.
Bybit Card cashback
Bybit Card pays 1% cashback with no cap on its free plan in Europe, and 2% on the first $250 of monthly spending everywhere else.
In the EEA, the free tier is the better deal. Most free crypto cards pay nothing or cap rewards at a few euros a month, so 1% on everything is a good base rate. Tiers 2 to 6, from 2% up to 10%, are reserved for Bybit VIPs. VIP status depends on your trading volume or account balance on the exchange, not on how much you spend with the card.
Outside the EEA, tiers can be earned by spending. $500 a month gets you Tier 2, $3,500 gets you 4% on Tier 3, and $25,000 gets you 10% on Tier 6. Every tier has a monthly cap, so the free tier's 2% stops after $250 of spending, which is $5 a month at most. Tier 6 stops paying after $6,000, so the most anyone can earn is $600 a month.
Since October 5, 2026, only payments funded with crypto earn cashback outside Europe, so spending a fiat balance earns nothing. Rewards are paid in USDT, or in USDC on the European card.
Bybit Card fees
Bybit Card has no monthly fee, but every payment pays a 0.9% crypto conversion fee, and payments in another currency add an FX fee that depends on your region.
The conversion fee applies because the card sells your crypto for local money at the moment you pay. It's 0.9% in every region except Argentina, where it's 0.5%.
The FX fee is where the regions differ. The European card charges 0.5% on non-euro payments. Most other programs charge 2%, Brazil charges 1.5%, and Argentina charges 7%. For anyone in Argentina, the card is expensive to use abroad.
The physical card is free in Europe, Brazil and Mexico. It costs 5 USDT for Ukraine, Turkey and Argentina, and $29.99 in Australia, Georgia and Kazakhstan. Colombia and Peru only get the virtual card, which is free in every region.
Bybit Card ATM withdrawal fees
Bybit Card lets you withdraw 100 a month in the card's currency without Bybit's ATM fee, then charges 2% on the rest.
The 0.9% conversion fee applies to every withdrawal, and the ATM owner may charge their own fee. For an occasional €200 withdrawal the total stays around 3–4%. If you rely on cash every week, a card with a larger free allowance will cost less.
The Peruvian card doesn't support ATM withdrawals, and Bybit doesn't publish ATM fees for Colombia.
Is Bybit Card safe?
Bybit Card is custodial: your balance sits in your Bybit account and Bybit holds the keys.
Bybit is one of the largest crypto exchanges by trading volume. In February 2025 it lost about $1.5 billion in ETH to hackers, covered the loss from its own funds, and customer balances were not affected. The incident showed Bybit had the reserves to absorb a large loss. It's also a reason not to keep more on any exchange than you plan to spend.
The European card is run by Bybit EU, a separate company that operates under EU regulation.
Who should get Bybit Card
Bybit Card suits people in Europe who already use Bybit. The free plan's 1% uncapped cashback, 0.5% FX fee and free physical card put it among the better free cards in the EEA.
Outside Europe, the card makes sense only if you already spend heavily by card. Tier 3 needs $3,500 a month and pays 4% on up to $3,750, which is $150 a month in cashback.
For anyone else outside Europe, the free plan's $5 monthly maximum is too small to switch cards for. The comparison below shows the strongest alternatives in your country.
Where Bybit Card is available
Bybit Card is available in 39 countries across Europe, Latin America, Australia and Central Asia, but not in the United States or the United Kingdom.