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) | -$398.40 Tier 3 |
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) | 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 |
| Yearly cost | -$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 $10. 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 $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
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 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
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 $5,000 and a monthly limit of $15,000.
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 (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
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 is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
Which card fits you
Bybit Card fits if
- You want a higher cashback ceiling (up to 10%).
Binance Card fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bybit Card fees and details · Binance Card fees and details · Bybit Card review · Binance Card review