Yearly cost at three spending levels
| Monthly spend | Bybit Card | Plutus |
|---|---|---|
| $500 | -$3.60 Tier 2 (Beta) | ≤ -$23.02 Starter (€6.99 a month) |
| $2,000 | +$122.40 Tier 2 (Beta) | ≤ -$113.02 Starter (€6.99 a month) |
| $5,000 | +$974.40 Tier 3 (Alpha) | ≤ -$293.02 Starter (€6.99 a month) |
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) | Plutus Starter (€6.99 a month) |
|---|---|---|
| Top-up and conversion fees | -$237.60 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | -$120 |
| ATM fees | -$24 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$95.60 |
| Cashback | +$480 | +$102.58 |
| Net per year | +$122.40 | -$113.02 |
Fees
Bybit Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. Plutus charges 0% and 2.5%.
The conversion fee applies to every dollar you load, so Plutus'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; Plutus 2.5%.
A virtual card costs nothing with Bybit Card and nothing with Plutus. A physical card costs $5 and €9.99. Neither card has an annual fee on its base tier.
Cashback and rewards
Bybit Card cashback: 2% to 10%. Plutus cashback: 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.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
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.
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
Bybit Card needs full KYC and Plutus 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.
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
Bybit Card does not list Apple Pay or Google Pay support, and Plutus does not list either. Bybit Card and Plutus 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.
Plutus 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. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
Full reports: Bybit Card safety check and Plutus safety check.
About each card
Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit. It tops up with USDT, USDC, BTC and ETH.
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
Which card fits you
Bybit Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 10%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Plutus fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: Bybit Card fees and details · Plutus fees and details · Bybit Card review