Bybit Card Review 2026: Availability, Fees and Cashback Tiers
Key takeaways
- Where it works: Bybit does not offer the card in the United States, Canada, Singapore, Hong Kong or the Chinese Mainland (excluded list, updated 16 Oct 2026). UK residents cannot register since 21 Sep 2026, and EEA residents use a separate Bybit EU card.
- What it is: a crypto-funded card that spends from your Bybit Funding Account. It is Visa credit in the Asia Pacific program and Mastercard in the Australia, Kazakhstan (AIFC) and Georgia programs.
- Cashback: from 5 Oct 2026 only crypto-funded payments earn points. Tier 1 pays 2% with a 5 USD monthly cap; Tier 6 pays 10% with a 600 USD cap.
- Fees: the virtual card has no fee and there is no annual fee. Payments in a currency other than the card currency cost 2% on top of the network rate, and paying with crypto adds 0.9%. The Asia Pacific physical card costs 5 USDT.
- Real cost: USD-priced spending nets a small gain at Tier 1. Spending in euros, pounds or local currency loses money until you reach Tier 3 (4%).
- Wallets: the Asia Pacific card lists Google Pay only. Apple Pay is not on its official list.
What the Bybit Card is and where the money comes from
The Bybit Card has no balance of its own. Each payment is taken from your Bybit Funding Account (and Flexible Easy Earn balance), and crypto is sold into the card currency at the moment you pay. The default order is USDT, USDC, GRAM, BTC, ETH, XRP, and you can reorder it under Paying With in the Card Dashboard. How to move coins into the Funding Account is covered in our Bybit deposit and withdrawal guide.
| Program | Network and type | Card currency | Mobile wallets (Bybit Card guide, 12 Oct 2026) |
|---|---|---|---|
| Asia Pacific | Visa credit card | USD | Google Pay |
| Australia | Mastercard prepaid | USD | Google Pay |
| Kazakhstan (AIFC) | Mastercard prepaid | USD | Samsung Pay |
| Georgia | Mastercard prepaid | USD | None listed |
| Argentina, Brazil, Mexico | Mastercard, local-currency cards | ARS, BRL, MXN | Separate programs with their own fees and taxes |
Source: programs and networks from Bybit Card General Inquiries (updated 3 Sep 2026); wallets from Bybit’s Bybit Card guide (12 Oct 2026). The older FAQ still shows Apple Pay for Australia, AIFC and Georgia, which the newer guide does not, so I follow the guide. The fee and cashback numbers below are the Asia Pacific numbers unless a row says otherwise.
Who can get the Bybit Card: availability by country
Check this table before you create an account: the United States, Canada and Singapore are not served, and the UK is closed to new users.
| Where you live | Status | What it means for you |
|---|---|---|
| United States, Canada, Singapore, Hong Kong, Chinese Mainland | Not offered | Listed as excluded jurisdictions on the Service Restricted Countries page. Do not open an account for the card. US readers can start with our guide to crypto cards for US residents. |
| United Kingdom | Closed to new users | Bybit stopped accepting new UK registrations on 21 Sep 2026. From 21 Oct 2026 UK-registered accounts are limited to withdrawals, per the official notice. |
| EEA (except Malta) | Use Bybit EU | The old bybit.com EEA card was discontinued. Bybit EU is a separate account with a separate Mastercard debit card; see the EEA and CH notice. |
| Australia | Own program | Mastercard card in USD, so Australian dollar payments pay the foreign exchange fee; our Bybit Card Australia guide covers it. |
| Kazakhstan (AIFC), Georgia | Own programs | Listed with their own fee rows. The physical card costs 29.99 USDT. |
| Any other country | Decided in the application | Bybit publishes no country list for the Asia Pacific program. You choose your country of residence in the application, and unsupported countries only register interest. |
A note on sources. I did not use third-party country lists, including the “Bybit Card Countries” page on Bybit’s own wiki, because they contradict the Help Center. Availability here comes only from Help Center pages and the UK notice. I also found no official statement for the United Arab Emirates, India or other Asia Pacific countries, so I do not claim they are covered.
- Identity checks are stricter than for the exchange. Even a verified account can be asked to re-verify, and Asia Pacific and Australia applicants must also verify a residential address.
- Applications can be rejected. If that happens, the Help Center says you can Start Over with a new application.
- Apply with your real residence. The application verifies identity and a residential address, so the country you pick should match your documents.
Where the Bybit Card makes sense
I compare a card by what the reader pays for, so this table sorts the common situations by fit rather than by headline cashback.
| Situation | Fit | Why |
|---|---|---|
| USD-priced online services (US stores, SaaS, tools) | Good | No FX fee, only the 0.9% conversion fee, so Tier 1 cashback of 2% covers it. |
| Travel with local-currency checkout | Depends on tier | Non-USD payments cost about 2.9% before cashback. Only Tier 3 (4%) and above come out ahead. |
| Subscriptions such as ChatGPT Plus or Netflix | Depends on tier | The 100% rebate now needs VIP status or Tier 3, which means 3,500 USD of monthly spend. |
| Everyday shopping in a local currency | Weak | The 2% FX fee plus 0.9% conversion outweighs Tier 1 and Tier 2 cashback. |
| Apple Pay checkout | Not on Asia Pacific | The Asia Pacific wallet table lists Google Pay only. |
How to apply for the Bybit Card in five steps
The flow follows the official application guide (updated 10 Jun 2026). Do the availability check above first.
- If your country is not excluded, register or log in to Bybit and finish the basic identity verification.
- Open Finance > Card and tap Apply Now, then select your Country of Residence.
- Verify your identity and residential address. If a document is rejected, you can retry with another supported one.
- Some regions ask for the purpose of the card, your occupation or source of income. Confirm your email and phone, set up Google 2FA and submit.
- Wait for review: usually minutes, occasionally up to 7 working days. An email confirms approval and the virtual card activates automatically.
Physical card
- You need the virtual card first. In Asia Pacific the physical card is limited to Tier 2 and above and needs a verified residential address.
- The name on the card can have up to 21 Latin letters and spaces. The delivery address must be in your country of residence.
- Delivery takes up to about 30 days and most carriers give no tracking number. Activate it under Finance > Bybit Card > Manage My Card > Activate.
- Asia Pacific and Australia cards need one chip-and-PIN payment before tap-to-pay works.
Cashback tiers and the 5 October 2026 change
Bybit changed the rule on 5 Oct 2026 at 10:00 UTC: only payments funded with crypto earn points. Spending from a fiat balance earns nothing, and eligibility follows the merchant settlement date, not the authorization date. The old headline “up to 10%” now applies only at Tier 6. Source: Introduction to Bybit Card Rewards (updated 2 Oct 2026).
| Tier | Cashback | Monthly cap (USD) | Non-VIP monthly spend needed | Default for |
|---|---|---|---|---|
| Tier 1 (Base) | 2% | 5 | 0 | Every non-VIP user |
| Tier 2 (Beta) | 2% | 50 | 500 | VIP 1-2 |
| Tier 3 (Alpha) | 4% | 150 | 3,500 | VIP 3 |
| Tier 4 (Apex) | 6% | 250 | 9,500 | VIP 4, PRO 1 |
| Tier 5 (Omega) | 8% | 400 | 12,500 | VIP 5, PRO 2 |
| Tier 6 (Infinite) | 10% | 600 | 25,000 | Supreme VIP, PRO 3-5 |
- The cap decides the real rate. At Tier 1, 250 USD of monthly spending already hits the 5 USD cap. At Tier 2 you need 2,500 USD to reach 50 USD.
- Tiers move. A non-VIP user who reaches a threshold keeps that tier until the end of the following calendar month, then drops back if the threshold is missed. VIPs never fall below their VIP tier.
- Payout: points stay pending for 4 calendar days. Cashback in USDT is points x 0.002, and Auto Cashback sends it to the Funding Account.
- Pay Later: converting a crypto-funded payment into an installment adds 1% extra, with its own monthly cap.
Fees, limits and wallets
| Item | Asia Pacific card | Notes |
|---|---|---|
| Virtual card | Free | No issuance fee “until further notice” |
| Physical card | 5 USDT | VIPs pay nothing. AIFC and Georgia 29.99 USDT, Australia 29.99 USD |
| Annual, inactivity, cancellation | None | All three are listed as none |
| Foreign exchange fee | 2% | On top of the Visa or Mastercard rate, only when the payment currency differs from the card currency |
| Crypto conversion fee | 0.9% | On top of the One-Click Sell rate for crypto-funded payments. Minimum conversion 1 USD |
| ATM withdrawal | First 100 USD a month free, then 2% | ATM access starts at Tier 2. The ATM operator may add its own fee |
| Asia Pacific limits (USD) | Tier 1 | Tier 2 | Tier 3 |
|---|---|---|---|
| Daily spending | 10,000 | 50,000 | 100,000 |
| Monthly spending | 50,000 | 150,000 | 350,000 |
| Annual spending | 150,000 | 500,000 | 900,000 |
| ATM daily / monthly | Not offered | 3,000 / 10,000 | 3,000 / 10,000 |
Non-VIP users can only upgrade the spending limit from Tier 1 to Tier 2. VIPs can go from Tier 2 to Tier 3 through Card Dashboard > Check Limit > Request an Upgrade, and review takes up to 7 business days. The official example shows how the FX fee lands: a 250 AED payment is 68.07 USD, the 2% fee adds 1.36 USD, and 69.43 USD leaves the Funding Account. Authorization holds can be slightly higher, and the difference is refunded. Full table: Fees and Limits (Bybit Card) (updated 10 Sep 2026).
Wallets and tap to pay
The Asia Pacific card lists Google Pay and nothing else, and so does Australia. Apple Pay is listed only for the EEA, Argentina and Brazil programs, and Samsung Pay only for the EEA and Switzerland and Kazakhstan (AIFC). Georgia has no wallet listed. Because Bybit’s own pages disagree for Australia, AIFC and Georgia, check the wallet list in the app for your program before you fund the account if Apple Pay matters to you.
100% subscription rebates: who still gets them
Eight services are on the list: ChatGPT Plus, Claude Pro, Netflix, Spotify, TradingView, Financial Times, Shahid and iQIYI. The rebate is 500 points per 1 USD, which equals 1 USD back.
- Since 5 Oct 2026 it is only for all VIPs and for non-VIP users at Tier 3 or above.
- The payment must be crypto-funded and made on the merchant’s own website. App stores and payment aggregators do not count.
- The rebate counts toward your monthly cashback cap, so a Tier 3 user is limited to 150 USD in total.
What it costs in practice
I ran the official rates through three common cases. The numbers ignore the One-Click Sell spread and coin price moves, so treat them as the minimum you give up.
| Tier | Covers the 0.9% conversion fee (USD spend)? | Covers 2.9% (non-USD spend)? |
|---|---|---|
| Tier 1 and 2 (2%) | Yes, until the cap is hit | No, net cost of about 0.9% |
| Tier 3 (4%) | Yes | Yes, net gain of about 1.1% |
| Tier 4 and above (6-10%) | Yes | Yes, but capped at 250-600 USD a month |
My reading: if you mostly pay in US dollars and keep monthly spending small, the card is a reasonable fit. If you pay in another currency every day, it costs more than it returns until you reliably spend 3,500 USD a month. I would recommend checking your VIP status before you plan around spending alone, because VIP users get their tier without the spending threshold.
Account and cashback risks
Public Trustpilot reviews of the card from October 2026 describe three problems: cashback points permanently restricted after about a year of use, rewards stuck in the Reward Hub with error 403003, and an account, including the card, restricted for days after a declined payment to a merchant on Bybit’s restricted list. These are single complaints and do not prove a pattern, but they fit what the Help Center says: card payments fail while a Bybit account is suspended, even though the card itself is not suspended. Keep only the balance you need for upcoming payments, save your transaction history, and do not count cashback as the reason to use the card.
If the Bybit Card is not available to you
Compare cards that publish a country list before you register anywhere. Our RedotPay Card guide, OKX Card guide and Jupiter Card guide each state their own coverage, and the Bybit exchange guide covers the account side for readers who are eligible.
Frequently asked questions
Is the Bybit Card available in the United States?
No. Bybit lists the United States among its excluded jurisdictions, so it does not offer the card there.
Is the Bybit Card available in Singapore or the UK?
Not for new users. Singapore is on the excluded list. Bybit stopped accepting new UK registrations on 21 Sep 2026 and restricted UK-registered accounts to withdrawals from 21 Oct 2026.
Does the Bybit Card have a monthly or annual fee?
No. The virtual card is free, and annual, inactivity and cancellation fees are listed as none. The Asia Pacific physical card costs 5 USDT, free for VIPs.
Do I earn cashback if I pay from a fiat balance?
No. Since 5 Oct 2026 only payments funded with crypto earn points or cashback.
Is the Bybit Card Visa or Mastercard?
The Asia Pacific program is a Visa credit card. Australia, Kazakhstan (AIFC) and Georgia are Mastercard prepaid, and Mexico and Brazil are Mastercard.
Can I add the Bybit Card to Apple Pay?
Not on the Asia Pacific card, which lists Google Pay only. Australia, AIFC and Georgia list Apple Pay.
Affiliate disclosure: this page contains Bybit referral links (referral code 161671). If you register or apply through them this site may earn a referral reward, and your fees do not change. Figures come from Bybit Help Center pages and a Bybit announcement checked on 25 Oct 2026 and can change. This is not investment, legal or tax advice, and crypto prices can fall. Last updated: 25 Oct 2026.
