Which is cheaper, Bybit Card or KOSH?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Bybit Card leaves $154.40 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 KOSH in the same country?

One of the two issuers does not publish a country list, so we cannot confirm overlap. 4 countries for Bybit Card; country list not published for KOSH.

Is Bybit Card or KOSH safer?

Bybit Card scores higher on our safety check (45/100 against 44/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Bybit Card or KOSH?

Bybit Card pays 2% to 10% and KOSH pays none. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

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

Crypto card comparison
Feature	Bybit Card	KOSH
Countries offered	4 countries	List not published
Card network	Mastercard	Visa
Custody	Custodial	Custodial
KYC	Full	Full
Top-up assets	USDT, USDC, BTC, ETH	USDC, USDT
Top-up or conversion fee	0.9%	0% (better)
FX markup	2%	0.5% (better)
ATM fee	2% after $100 free a month	1% + $1
Annual fee (base tier)	Free (better)	$8
Card issuance	Virtual Free · Physical $5	Virtual Free · Physical $80
Cashback	2% to 10% (better)	None
Apple Pay / Google Pay	Not listed	Apple Pay, Google Pay
Safety score	45/100 (better)	44/100
Overall rating	37/100 (better)	27/100
Get the card	Get Bybit Card	Get KOSH

Yearly cost at three spending levels

Monthly spend	Bybit Card	KOSH
$500	-$3.60 Tier 2 (Beta)	≤ -$14 Everyday
$2,000	+$122.40 Tier 2 (Beta)	≤ -$32 Everyday
$5,000	+$974.40 Tier 3 (Alpha)	≤ -$68 Everyday

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)	KOSH Everyday
Top-up and conversion fees	-$237.60	$0
Spending fees	$0	$0
Foreign exchange markup	-$96	-$24
ATM fees	-$24	Not disclosed
Annual, monthly and subscription fees	$0	-$8
Cashback	+$480	$0
Net per year	+$122.40	-$32

Fees

Bybit Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. KOSH charges 0% and 0.5%.

The conversion fee applies to every dollar you load, so KOSH'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; KOSH 1% + $1.

A virtual card costs nothing with Bybit Card and nothing with KOSH. A physical card costs $5 and $80.

Cashback and rewards

Bybit Card cashback: 2% to 10%. KOSH 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.

KOSH tiers: Everyday: 0%.

KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.

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.

KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.

Bybit Card needs full KYC and KOSH 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.

KOSH publishes ATM withdrawals of up to $750 a day.

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

KOSH scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.

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

About each card

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

KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.

Which card fits you

Bybit Card fits if

You want a higher cashback ceiling (up to 10%).
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

KOSH fits if

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.

Bybit Card vs KOSH