Which is cheaper, Bybit Card or Binance Card?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Binance Card leaves $264 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use Bybit Card and Binance Card in the same country?

Not in any of the 25 countries we track.

Is Bybit Card or Binance Card safer?

Binance Card scores higher on our safety check (61/100 against 45/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Bybit Card or Binance Card?

Bybit Card pays 2% to 10% and Binance Card pays 1.5% to 3%. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

Bybit Card vs Binance Card: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	Bybit Card	Binance Card
Countries offered	4 countries (better)	Brazil only
Card network	Mastercard	Mastercard
Custody	Custodial	Custodial
KYC	Full	Full
Top-up assets	USDT, USDC, BTC, ETH	USDT, USDC, BTC, ETH
Top-up or conversion fee	0.9%	0.9%
FX markup	2%	2%
ATM fee	2% after $100 free a month	$1.50 after 2 free a month
Annual fee (base tier)	Free	Free
Card issuance	Virtual Free · Physical $5	Virtual Free · Physical Free
Cashback	2% to 10% (better)	1.5% to 3%
Apple Pay / Google Pay	Not listed	Apple Pay
Safety score	45/100	61/100 (better)
Overall rating	44/100	48/100 (better)
Get the card	Get Bybit Card	Get Binance Card

Yearly cost at three spending levels

Monthly spend	Bybit Card	Binance Card
$500	-$3.60 Tier 2 (Beta)	+$20.40 Tier 2
$2,000	+$122.40 Tier 2 (Beta)	+$386.40 Tier 3
$5,000	+$974.40 Tier 3 (Alpha)	+$370.98 Tier 3

Net value per year: cashback minus conversion, FX, ATM and fixed 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)	Binance Card Tier 3
Top-up and conversion fees	-$237.60	-$237.60
Spending fees	$0	$0
Foreign exchange markup	-$96	-$96
ATM fees	-$24	$0
Annual, monthly and subscription fees	$0	$0
Cashback	+$480	+$720
Net per year	+$122.40	+$386.40

Fees

Bybit Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. Binance Card charges 0.9% and 2%.

ATM withdrawals: Bybit Card 2% after $100 free a month; Binance Card $1.50 after 2 free a month.

A virtual card costs nothing with Bybit Card and nothing with Binance Card. A physical card costs $5 and nothing. Neither card has an annual fee on its base tier.

Cashback and rewards

Bybit Card cashback: 2% to 10%. Binance Card cashback: 1.5% to 3%.

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.

Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from R$500 of monthly spend; Tier 3: 3%, capped at R$500 a month from R$5,000 of monthly spend.

Binance Card: Only USDT spending counts toward cashback. The tier reached in a month applies to all of that month's eligible spending. Cashback is credited in BRL.

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.

Binance Card is offered in one country, including Brazil. Binance lists Brazil as the only country where the card is currently offered.

Bybit Card needs full KYC and Binance Card 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.

Binance Card publishes a daily spending limit of R$25,000, a monthly limit of R$50,000 and ATM withdrawals of up to $3,000 a day.

Bybit Card does not list Apple Pay or Google Pay support, and Binance Card works with Apple Pay. Bybit Card and Binance Card 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.

Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Dock. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion.

Full reports: Bybit Card safety check and Binance Card safety check.

About each card

Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit. It tops up with USDT, USDC, BTC and ETH.

Binance Card (Brazil) is a custodial Mastercard from Binance. It tops up with USDT, USDC, BTC and ETH and its balance is held in BRL.

Which card fits you

Bybit Card fits if

You want a higher cashback ceiling (up to 10%).

Binance Card fits if

You live in Brazil, the only market it serves.
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Bybit Card vs Binance Card