Bybit Card
by Bybit
Crypto-backed prepaid card with tiered rewards and Auto-Earn spending
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Overview
The Bybit Card is a strong all-round crypto card if you already use Bybit. There are no monthly or annual fees, virtual cards are issued instantly, and Auto-Earn lets idle savings pay for purchases. Cashback is tiered and paid in Reward Points, so the headline 10% is only realistic for high spenders or VIPs — most users land around 2%. The main costs are a 0.9% crypto conversion fee if you are not spending fiat, and FX fees on foreign-currency spend.
Key facts
- Card type
- Prepaid, Virtual, Physical
- Card network
- Mastercard, Visa
- Custody
- Custodial (Bybit account)
- Cashback
- Up to 10% (tiered, paid in Reward Points; ~2% base)
- Referral bonus
- 10 USDT referral bonus
- Apple Pay
- Yes
- Google Pay
- Yes
Unique features
- Auto-Earn lets idle assets in Flexible Savings fund card spending
- VIP tier linking inherits your Bybit trading tier
- Unified Trading Account compatibility
India availability
Bybit serves Indian users and India is not on its restricted-country list, so the card is generally accessible to Indian residents. There is no direct INR top-up — you fund via your Bybit account in stablecoins or fiat balances. Confirm card eligibility and physical-card shipping for India during application, as card programs vary by region.
Best for Indian users
Indian users who already trade on Bybit and want fee-free day-to-day spending with tiered rewards and Auto-Earn.
- Bybit serves India and India is not on the Bybit Card restricted list; confirm eligibility during application as programs vary by region.
- There is no direct INR top-up. Fund the card from your Bybit account using stablecoins or supported balances.
- A virtual card is issued instantly after KYC. Physical card availability and shipping for India depend on the regional program.
- Tax note: spending crypto can be a taxable disposal of a Virtual Digital Asset in India (30% plus surcharge and cess, with 1% TDS in some cases). This is informational only — consult a chartered accountant.
Pros & cons
Pros
- No annual or monthly maintenance fees
- Instant virtual card issuance
- Auto-Earn integration lets interest-bearing savings pay for purchases
- High cashback potential (up to 10%) for high spenders and VIPs
- Wide asset support including USDT, BTC, ETH, TON and MNT
- Apple Pay and Google Pay supported
Cons
- 0.5%+ FX fee on foreign-currency transactions
- 0.9% crypto conversion fee when not spending fiat directly
- Low free ATM withdrawal allowance (~$100/month) before a 2% fee
- Complex tier system — meaningful rewards need high spend or VIP status
- Rewards paid in points, not directly in cashback
- Custodial — funds sit in your Bybit account
Fees
| Monthly fee | Free |
|---|---|
| Annual fee | Free |
| Virtual card issuance | Free |
| Physical card issuance | Free |
| Crypto-to-fiat conversion | 0.9% |
| FX / foreign-currency fee | 0.5%+ |
| ATM fee | 2% after ~$100/month free |
| Top-up fee | Free |
| Shipping | Free |
| Replacement | $5 |
| Inactivity fee | None |
No monthly or annual fees. Crypto conversion is about 0.9% when spending crypto rather than fiat. FX on non-USD spend is 0.5% or more. ATM withdrawals are free up to roughly $100 per month, then about 2%. Replacement is about $5. Region-specific programs can differ — confirm on the official site.
Limits
Card formats
Virtual Card
Available- Issuance
- Free
- Shipping
- Instant digital issuance
Physical Card
Available- Material
- Plastic
- Issuance
- Free
- Shipping
- Free
- Replacement
- $5
KYC requirements
Level 3 of 4 — ID Verification
| Email verification | Required |
|---|---|
| Phone verification | Required |
| Identity document | Required |
| Proof of address | Not Required |
| Selfie verification | Not Required |
Integrations & tech
Supported crypto
Tokens
Chains / networks
Scores
Editor score
How we rate — see our methodology.
Community score
Based on 12 cited sources
Sources
Perks & benefits
- Auto-Earn: spend directly from Flexible Savings balances
- Reward Points can be redeemed for trading fee bonuses
- VIP tier linking inherits your Bybit trading status
Rewards program details
Cashback is paid as Reward Points (1,000 points ≈ 2 USDT). Points are pending for 4 calendar days, then redeemable or auto-converted to cashback. Higher rates up to 10% unlock via VIP status or monthly spend.
Exclusions
- ATM withdrawals, fees, refunds and some merchant codes do not earn points
- No personal IBAN — top-ups come from the Bybit funding account
Frequently asked questions
Is the Bybit Card available in India?
Can I top up the Bybit Card with INR?
How does Bybit Card cashback work?
What fees does the Bybit Card charge?
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Ready to get the Bybit Card?
You can apply in minutes after KYC. Always confirm current fees and terms on the official site.
Get this card →