Yearly cost at three spending levels
| Monthly spend | Bybit Card | Avici |
|---|---|---|
| $500 | $3.60 Tier 2 (Beta) | $39.60 Platinum |
| $2,000 | -$122.40 Tier 2 (Beta) | $75.60 Platinum |
| $5,000 | -$974.40 Tier 3 (Alpha) | $147.60 Platinum |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Bybit Card Tier 2 (Beta) | Avici Platinum |
|---|---|---|
| Top-up and conversion fees | $237.60 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $96 | $48 |
| ATM fees | $24 | $27.60 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$480 | -$0 |
| Yearly cost | -$122.40 | $75.60 |
Fees
Bybit Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. Avici charges 0% and 1%.
The conversion fee applies to every dollar you load, so Avici's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.
ATM withdrawals: Bybit Card 2% after $100 free a month; Avici 0.65% + $1.
A virtual card costs nothing with Bybit Card and $15 with Avici. A physical card costs $5 and $50. Neither card has an annual fee on its base tier.
Cashback and rewards
Bybit Card cashback: 2% to 10%. Avici cashback: None.
Bybit Card tiers: Tier 1 (Base): 2%, capped at $5 a month; Tier 2 (Beta): 2%, capped at $50 a month from $500 of monthly spend; Tier 3 (Alpha): 4%, capped at $150 a month from $3,500 of monthly spend; Tier 4 (Apex): 6%, capped at $250 a month from $9,500 of monthly spend; Tier 5 (Omega): 8%, capped at $400 a month from $12,500 of monthly spend; Tier 6 (Infinite): 10%, capped at $600 a month from $25,000 of monthly spend.
Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.
Avici: No card cashback is published. Signature adds Visa Signature benefits (lounge access via Visa Airport Companion, rental car cover, purchase protection, travel insurance) but no free lounge visits yet. New users get a $5 welcome bonus ($8 through a referral). Referrers earn 2% of a friend's card spend for the friend's first 90 days.
Availability and KYC
Bybit Card is offered in 4 countries, including Australia and Mexico. 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.
Avici is offered in 49 countries, including Argentina, Australia, Brazil, Malaysia, Mexico, Philippines, Singapore, South Africa, Thailand and United Arab Emirates. Avici lists these regions for the card. In the US it is open in 31 states only (AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). The list has "Dominica Republica" and "Dominicana", read here as the Dominican Republic. Residents of Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela and Vietnam are barred, and Avici says unlisted places may also be restricted. The card cannot be used in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela. The card terms page also says "Non-US citizens only", which conflicts with the US state list.
Bybit Card needs full KYC and Avici needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Bybit Card does not publish fixed spending or ATM limits.
Avici does not publish fixed spending or ATM limits.
Bybit Card does not list Apple Pay or Google Pay support, and Avici works with Apple Pay and Google Pay. Bybit Card and Avici issue a virtual card you can use straight away.
Custody and safety
Bybit Card scores 45/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2025-02-21: About $1.5 billion in ETH was stolen from a Bybit cold wallet. The FBI attributed the theft to North Korean actors. The issuer of the Asia Pacific card is not named on Bybit's public help pages.
Avici scores 67/100. Licensing: holds a licence or registration outside the tier-one list (Issuer Third National (Nimbus LLC dba Third National) is a licensed money transmitter in Puerto Rico, NMLS #2612780, licence TM-0207). The card is issued through Third National. 2026-08-28: An attacker exploited an outdated Rain card-collateral contract and drained about $500,859 from the card balances of 1,685 Avici users (about $1.1 million across several programs). Self-custodial wallets were not affected. Avici and Rain committed to refund every user in full and Rain upgraded the affected deployments. Avici filed an FBI IC3 report. Avici Inc is a Delaware company with a named San Francisco address and published terms, privacy policy and docs, and the app has been on the iOS App Store since 2023 (app id 6465962039). The card holds no user funds in Avici's own accounts, but card balances sit in a Rain contract that was exploited in August 2026. Card spend is settled with Visa roughly weekly by liquidating the spent USDC.
Full reports: Bybit Card safety check and Avici safety check.
About each card
Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit. It tops up with USDT, USDC, BTC and ETH.
Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.
Which card fits you
Bybit Card fits if
- You want a higher cashback ceiling (up to 10%).
Avici fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bybit Card fees and details · Avici fees and details · Bybit Card review