Yearly cost at three spending levels
| Monthly spend | Bybit Card | WhiteBIT Nova |
|---|---|---|
| $500 | -$3.60 Tier 2 (Beta) | ≤ -$90 Category cashback |
| $2,000 | +$122.40 Tier 2 (Beta) | ≤ -$360 Category cashback |
| $5,000 | +$974.40 Tier 3 (Alpha) | ≤ -$900 Category cashback |
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) | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | -$237.60 | Not disclosed |
| Spending fees | $0 | -$360 |
| Foreign exchange markup | -$96 | Not disclosed |
| ATM fees | -$24 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | Not disclosed |
| Net per year | +$122.40 | -$360 |
Fees
Bybit Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: Bybit Card 2% after $100 free a month; WhiteBIT Nova no atm access (virtual card only).
A virtual card costs nothing with Bybit Card and nothing with WhiteBIT Nova. A physical card costs $5 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Bybit Card cashback: 2% to 10%. WhiteBIT Nova cashback: Variable, not published.
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.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
WhiteBIT Nova: You pick 3 cashback categories, which you can change once every 7 days. Rates change and are shown only in the app. Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC. New users get 5% cashback on their first transaction. No cashback is paid on transactions in restricted territories, including the US.
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.
WhiteBIT Nova is offered in 133 countries, including India, Malaysia, Singapore, Turkey, United Arab Emirates, Argentina, Australia, Brazil, Indonesia and Mexico. Not available in the US, UK or Canada - WhiteBIT does not accept identity documents from those countries. The list follows WhiteBIT's help article of 16 Sep 2026. Another article on the same help centre also lists EEA countries, and Bahrain appears in some lists but not others. The older EUR-denominated Nova card, issued by Wallester, has been suspended since 30 June 2026 until WhiteBIT Europe launches.
Bybit Card needs full KYC and WhiteBIT Nova 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.
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
Bybit Card does not list Apple Pay or Google Pay support, and WhiteBIT Nova works with Apple Pay and Google Pay. Bybit Card and WhiteBIT Nova 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.
WhiteBIT Nova is not scored yet, because not every safety factor has been checked against a source. Published licensing: Visa debit card issued in partnership with JSC Hash Bank (Georgia). The card is issued through JSC Hash Bank. The whitebit.com user agreement names a group of operating companies, including UAB Clear White Technologies (Lithuania) and WhiteBIT Georgia LLC. No official regulator enforcement release was found, but the search did not cover every regulator's register. The EUR card (Wallester AS, Estonia) was suspended on 30 June 2026 as part of the move to MiCA.
Full reports: Bybit Card safety check and WhiteBIT Nova safety check.
About each card
Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit. It tops up with USDT, USDC, BTC and ETH.
WhiteBIT Nova USD Card is a custodial Visa card from WhiteBIT (whitebit.com). It tops up with USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT and DOGE. The USD card is open to new applicants with no waitlist. The EUR Nova card is suspended.
Which card fits you
Bybit Card 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.
- You want a higher cashback ceiling (up to 10%).
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: Bybit Card fees and details · WhiteBIT Nova fees and details · Bybit Card review