Specifications
| Card network | Mastercard |
|---|---|
| Provider | Bybit (Moorwand UK / Harmoniie SAS in EEA) |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | multi_currency |
| Available in | EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC region (Asia/ME/SA), Taiwan |
| Supported assets | BTC, ETH, USDT, USDC, XRP, TON |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0.5% |
| ATM fee | 2% |
| Top-up fee | 0% |
| Foreign transaction fee | 0.5% |
| Cashback | Up to 10% in USDT (realistic ~2%) |
| Cashback monthly cap | $600 |
| Daily spend limit | $5000 |
| Monthly spend limit | $10000 |
| Daily ATM limit | $2000 |
| Last verified | 2026-04-30 |
What to watch out for
Mastercard debit linked to Bybit Funding Account; fiat-first spend logic, only converts crypto if fiat insufficient (avoids unnecessary 0.9% conversion); Card Lite available with €150 lifetime cap for fast onboarding; 8% APR earn on idle card balance
Editorial notes
FX 0.5% in EEA, 1% in Australia, 7% in Argentina; ATM 2% above €100 free monthly allowance (EEA); AIFC region cannot use ATMs at all; non-VIP cashback cap of $10/month is restrictive - need to spend $500/mo to genuinely benefit; subscription cashback (100% on streaming) is the standout feature
Frequently asked questions
Where is the Bybit Card available?
As of 2026-04-30, Bybit Card is available to residents of European Economic Area, Latin America, Asia-Pacific, and United Kingdom. Specific country list: EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC region (Asia/ME/SA), Taiwan.
How does the Bybit Card cashback work?
Bybit Card offers up to 10% cashback paid in USDT. Tiered by VIP/spending: Non-VIP 2% (cap $10/month); $500+/mo spend = Tier 2 (2%, $150 cap); $6000+/mo = Tier 3 (4%); $25000+/mo = Tier 6 (10%, $600 cap); 100% cashback on Netflix/Spotify/ChatGPT for VIP1+ In practice, the realistic effective rate for most users is around 2%.
What are the fees on the Bybit Card?
Bybit Card has no issuance fee, no monthly fee, a 0.5% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Does Bybit Card hold my crypto?
Yes. Bybit Card is a pre-funded card — you transfer crypto or stablecoins to a balance held by the provider, and the card spends from that balance. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.