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Mastercard · Custodial · Full KYC · Virtual and Physical

Bybit Card (Asia Pacific): Fees, Limits and Cashback

Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit that charges 0.9% to convert crypto when you spend. The FX markup on foreign-currency spending is 2%, and cashback is 2%, or up to 10% on higher tiers. There is no annual fee. It is offered in 4 countries.

Verified September 24, 2026Issued by Bybit
37/100
Overall rating
4
Countries offered
Free
Annual fee
0.9%
Conversion fee
2%
FX markup
2% to 10%
Cashback
45/100
Safety score · Fair

Bybit Card pros and cons

Pros

  • No annual or monthly fee
  • 2% cashback, up to 10% on higher tiers
  • Free virtual card

Cons

  • 0.9% crypto conversion fee
  • 2% FX markup on foreign-currency spending
  • No Apple Pay or Google Pay listed

Bybit Card fees and limits

Virtual cardFree
Physical card$5
Annual feeFree
Monthly feeNone
Crypto conversion fee0.9%
FX markup2%
Fee on purchases in USDNone
ATM withdrawals2% after $100 free a month
Daily spending limitNot disclosed
Monthly spending limitNot disclosed
Daily ATM limitNot disclosed
Card currencyUSD

"Not disclosed" means Bybit Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Bybit Card cashback and rewards

TierRatePaid inMonthly spend capRequirement
Tier 1 (Base)2%USDTNone publishedNone
Tier 2 (Beta)2%USDTNone publishedSpend $500 a month
Tier 3 (Alpha)4%USDTNone publishedSpend $3,500 a month
Tier 4 (Apex)6%USDTNone publishedSpend $9,500 a month
Tier 5 (Omega)8%USDTNone publishedSpend $12,500 a month
Tier 6 (Infinite)10%USDTNone publishedSpend $25,000 a month

What Bybit Card costs over a year

Yearly cost: conversion, FX, ATM and fixed fees minus cashback, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month. A minus sign means cashback outweighs fees.

Monthly spendingYearly costTier used
$500$3.60Tier 2 (Beta)
$2,000-$122.40Tier 2 (Beta)
$5,000-$974.40Tier 3 (Alpha)

Run it with your own numbers in the card cost calculator.

Bybit Card Apple Pay, Google Pay and ATM withdrawals

Bybit Card does not list Apple Pay or Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: 2% after $100 free a month. It runs on Mastercard, so it works wherever that network is accepted, online and in shops.

Where Bybit Card is available

Bybit Card is offered in the 4 countries below. The fee table on Bybit's help center lists the same fees for Australia, Georgia, Kazakhstan (AIFC), Mexico and an "Asia Pacific" card whose countries Bybit does not list publicly. Bybit's card page says the card is not offered to EEA residents. Argentina, Brazil and Peru use different fees and are not covered by this entry.

Supported countries (4)
  • Australia
  • Georgia
  • Kazakhstan
  • Mexico

The crypto card finder lists every card we track by country.

Topping up Bybit Card

Bybit Card tops up with USDT, USDC, BTC and ETH. Converting crypto costs 0.9%. The card is custodial, so the provider holds your card balance.

Coins it accepts: USDT, USDC, Bitcoin, Ethereum, XRP

How to get the Bybit Card

  1. Check that you live in a country where Bybit Card is offered (see the list above).
  2. Download the Bybit app and complete identity verification with a government ID and a selfie check.
  3. Top up with USDT, USDC, BTC and ETH.
  4. Issue the virtual card for free.
  5. Order the physical card for $5 if you need ATM withdrawals or chip and PIN payments.

Who the Bybit Card suits

  • Everyday spenders who want cashback without a subscription: the base rate is 2%.

Bybit Card overall rating

Bybit Card rates 37/100 in our crypto card ranking.

FactorDetailPoints
Reach4 countries5.7 / 40
Yearly cost-$122.40 a year at $2,000 a month18.1 / 30
Safety45/10013.5 / 30

Is Bybit Card safe?

Bybit Card scores 45/100 (Fair) in our safety check. Issuer: Bybit. Licence details are not published.

The issuer of the Asia Pacific card is not named on Bybit's public help pages.

Full Bybit Card safety report

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Frequently asked questions

What are the Bybit Card fees?
Bybit Card charges a 0.9% conversion fee, a 2% FX markup on foreign-currency spending, no annual fee. The virtual card is free and the physical card costs $5. Its ATM fee is listed in the fees table on this page.
Is Bybit Card available in the US?
No. Bybit Card does not offer the card to US residents. The fee table on Bybit's help center lists the same fees for Australia, Georgia, Kazakhstan (AIFC), Mexico and an "Asia Pacific" card whose countries Bybit does not list publicly. Bybit's card page says the card is not offered to EEA residents. Argentina, Brazil and Peru use different fees and are not covered by this entry.
Does Bybit Card have cashback?
Yes. Bybit Card pays 2% to 10%.
What is the Bybit Card ATM withdrawal fee?
Bybit Card charges 2% after $100 free a month per ATM withdrawal. ATM operators may add their own fee.
Does Bybit Card work with Apple Pay and Google Pay?
Neither Apple Pay nor Google Pay is listed for Bybit Card.
Is Bybit Card safe?
Bybit Card scores 45/100 (Fair) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

  1. Bybit Card fees · checked September 24, 2026
  2. Bybit Card cashback · checked September 24, 2026
  3. Bybit Card terms and licensing · checked September 24, 2026