The Bybit Card earns 2-10% cashback on a Mastercard debit card with a €0 (free physical card, €5 replacement) fee, available in EEA/Switzerland/LATAM/Australia.
Bybit is a centralized cryptocurrency exchange founded in March 2018 by Ben Zhou and registered in the British Virgin Islands as Bybit Fintech Limited. Originally based in Singapore, the company moved its operational headquarters to Dubai in 2022 and is known for its perpetual futures and derivatives markets.
The Bybit Card is a crypto debit card offered by Bybit, available in EEA/Switzerland/LATAM/Australia. It offers 2-10% cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0 (free physical card, €5 replacement).
Best suited for reward-focused spenders willing to optimize for cashback. Note that monthly cashback caps apply and the card is not available in the UK. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for Europe and Latin America. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Base | 2% | Free, $5/mo cashback cap |
| Beta (VIP 1-2) | 2% | $500/mo card spend or VIP 1-2 ($100K-$250K assets), $50/mo cashback cap |
| Alpha (VIP 3) | 4% | $3,500/mo card spend or VIP 3 ($500K assets), $150/mo cashback cap |
| Apex (VIP 4) | 6% | $9,500/mo card spend or VIP 4 ($1M assets), $250/mo cashback cap. Spend threshold and cap remain UNVERIFIED as of 2026-08-28: the intermediate tiers are not restated in any readable Bybit source. |
| Omega (VIP 5) | 8% | $12,500/mo card spend or VIP 5 ($2M assets), $400/mo cashback cap. Spend threshold and cap remain UNVERIFIED as of 2026-08-28: the intermediate tiers are not restated in any readable Bybit source. |
| Infinite (Supreme VIP) | 10% | $25,000/mo card spend or Supreme VIP ($100M spot or $500M derivatives 30-day volume), $600/mo cashback cap |
EEA card services moved to the separately regulated Bybit EU platform (bybit.eu); the current Bybit EU Card terms could not be retrieved to verify the issuing entity. Platform SEPA deposits from third-party accounts fail, and fiat withdrawals go only to the user's own previously-used bank account.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Bybit Card is: gas $0.00, conversion spread $4.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.9% of spend. After $5.00/mo cashback that nets a gain of about $0.50/mo ($6.00/yr). Bybit Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: UK NO LONGER SUPPORTED (halted 2023, FCA). EEA users migrated to bybit.eu (MiCA license via Austria) on Jan 1, 2026 - reward points do not transfer between bybit.com and bybit.eu accounts. Excluded: UK, France, Croatia, Iceland, Ireland, Liechtenstein, Romania. Two parallel mechanisms: VIP exchange level OR monthly card-spend tier; user starts at the higher of the two. Rewards paid as Card Points (0.002 USDT/point) via daily Auto Cashback. Supreme VIP criteria are now public (no longer strictly invite-only). Australia and AIFC/Kazakhstan also available. Subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT Plus, TradingView) at Tier 2+. NEW (Jun 15, 2026): EU cardholders get an unlimited flat 1% base cashback program with no monthly cap, alongside the tiered program (bybit.eu still advertises up to 10% via VIP/spend tiers); EEA cashback payable in BTC or USDC (choice does not affect reward calculation). PARTIALLY RE-VERIFIED (2026-08-28): the Bybit and Bybit EU help-centre articles on Card Rewards confirm the six-tier ladder and four of its rungs, namely Base at 2% capped at $5/mo, Beta at $500/mo spend capped at $50, Alpha at 4% on $3,500/mo spend, and Infinite at 10% capped at $600/mo. Bybit's own numbering runs Tier 1 to Tier 6; the Base-to-Infinite names are how its reviews and help pages label those tiers. The Apex and Omega spend thresholds and caps are still unconfirmed. All tiers gain +1% when a transaction is converted to a Pay Later instalment plan. Bybit EU GmbH is a MiCAR-licensed CASP supervised by the Austrian Financial Market Authority.
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The Bybit Card is a crypto debit card offered by Bybit. It is available in EEA/Switzerland/LATAM/Australia and allows users to spend cryptocurrency at merchants worldwide.
The Bybit Card offers 2-10% cashback. There are 6 tiers: Base (2%), Beta (VIP 1-2) (2%), Alpha (VIP 3) (4%), Apex (VIP 4) (6%), Omega (VIP 5) (8%), Infinite (Supreme VIP) (10%).
The Bybit Card has an annual fee of €0 (free physical card, €5 replacement). Additional fees: Conversion fee: 0.9%; FX fee: 0.5%; ATM: Free up to €100/mo, then 2%.
Yes. The Bybit Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Bybit Card is available in EEA/Switzerland/LATAM/Australia.
The Bybit Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Bybit Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.