Bybit Card vs Tria

Yearly cost at three spending levels

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

Fees

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

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

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

Cashback and rewards

Bybit Card cashback: 2% to 10%. Tria cashback: 1.5% to 6%.

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.

Tria tiers: Lite (virtual): 1.5% on the first $1,000 a month; Pro (plastic, $109 a year): 4.5% on the first $2,000 a month; Max (metal, $250 a year): 6% on the first $2,000 a month.

Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Tria renamed its tiers Lite, Pro and Max. Above the monthly spend cap the rate drops to 0.5% on Lite and 1% on Pro and Max, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The Pro and Max subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.

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.

Tria is offered in 223 countries and territories and excludes 26, including India.

Bybit Card needs full KYC and Tria 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.

Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.

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

Tria scores 52/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2026-08-28: An attacker exploited an authorization flaw in an older version of Rain's Solana card contract, which Tria's card programme used, and made $431,945 of unauthorized withdrawals affecting 636 Tria customers. Tria reimbursed affected users in full plus an extra 10%, and Rain says every programme on the vulnerable contract was upgraded. The same exploit hit Avici; about $1.1 million was taken across Rain-powered programmes. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions. The August 2026 Rain contract exploit is recorded under incidents.

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

About each card

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

Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.

Which card fits you

Bybit Card fits if

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

Tria 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 live outside the US and the handful of countries it excludes.
• You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Read more: Bybit Card fees and details · Tria fees and details · Bybit Card review · Tria review