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Bybit Card review
Bybit
Bybit Card is issued by the Bybit exchange. It has no separate card balance — purchases are debited directly from your Bybit funding account — so "topping up" really means moving assets into your exchange account. Card type and fees differ by issuing region: the Asia Pacific card is a USD-denominated Visa credit card, while Australia, Mexico, Kazakhstan and others are Mastercard. This page uses the Asia Pacific card.
Pros
- Free virtual card
- Draws on the exchange funding account — no separate top-up
- Fees and limits published per region with worked examples
- Asia Pacific card limits can be raised
Cons
- Non-card-currency spend stacks 2% FX + 0.9% conversion
- ATM withdrawals restricted in mainland China
- No multi-card / bulk issuing for ad teams
- Eligibility varies by region
0 USDIssuance
≥2.8%Total cost
2%FX fee
10,000 USDDaily limit
Verdict: Easiest option if you already use Bybit, but paying non-USD merchants with USDT costs roughly 2.9% all-in.
Card overview
Fees
- Virtual issuance
- 0 USD
- Physical card
- 5 USD
- Spend / conversion
- 0.9%
- FX fee
- 2%
- ATM
- First 100 USD per month free, 2% above (ATM operators may charge extra)
Limits
- Daily
- 10,000 USD
- Monthly
- 50,000 USD
- Bulk issuing
- Not supported
Card info
- Network
- Visa, Mastercard
- Website
- www.bybit.com
Funding
- Assets
- USDT, USDC, BTC, ETH, XRP
- Arrival
- No separate card balance; spending is debited directly from your Bybit funding account
Asia Pacific card: virtual issuance free "until further notice", physical 5 USDT (free for VIPs); 0.9% crypto conversion fee when paying with crypto in the funding account; 2% FX fee on non-card-currency transactions
Asia Pacific Tier 1: 10,000 per transaction / 10,000 daily / 50,000 monthly / 150,000 annual USD; upgrade to Tier 2 (50,000 daily / 150,000 monthly) or Tier 3 (VIP) on request
Data basis: Asia Pacific card: Visa credit card, USD-denominated
KYC requirements
Requires a Bybit account; Asia Pacific physical cards only for Tier 2 and above; official limits page notes "ATM withdrawals are restricted in Mainland China"; the pages read list neither personal documents nor restricted regions
Proof of address: Residential address verification required for Asia Pacific and Australia physical cards
www.bybit.com · 2026-11-10
Bybit's fee page is well structured and includes worked examples for FX, crypto conversion and ATM fees. On the Asia Pacific card the virtual card is free and the physical card is 5 USDT; paying with USDT incurs a 0.9% crypto conversion fee, and a non-USD merchant adds a 2% FX fee on top. Asia Pacific Tier 1 limits are 10,000 USD daily and 50,000 USD monthly, with upgrades requested from the card dashboard. The official page also notes that ATM withdrawals are restricted in mainland China.
What 1,000 USDT buys
Open one virtual card, top up 1000 USDT once (1 USDT = 1 USD) and spend it over 10 purchases; spendable amounts at USD and non-USD merchants, on-chain gas excluded.
① Issuance fee: 0.00 USD
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 0.00 − 0.00 = 1,000.00 USD
④ Spendable at a USD merchant: 1,000.00 ÷ (1 + 0.9%) = 991.08 USD
⑤ Spendable at a non-USD merchant: 1,000.00 ÷ [(1 + 0.9%) × (1 + 2%)] = 971.65 USD
Total cost: USD merchant 0.89% / non-USD merchant 2.84%
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 0.00 − 0.00 = 1,000.00 USD
④ Spendable at a USD merchant: 1,000.00 ÷ (1 + 0.9%) = 991.08 USD
⑤ Spendable at a non-USD merchant: 1,000.00 ÷ [(1 + 0.9%) × (1 + 2%)] = 971.65 USD
Total cost: USD merchant 0.89% / non-USD merchant 2.84%
Who it suits
Suits: Individuals already trading on Bybit and living in a supported region
Not for: Ad teams that need many cards for separate accounts
Checklist before you apply
- Check your residence: Confirm in writing with support that your residence is supported.
- Prepare documents: ask first whether your document type is accepted.
- Check the live fee preview in the app before opening.
- Use the right network: it must match the deposit page when withdrawing from an exchange.
- Start small: top up only enough for one purchase first, and confirm arrival, charges and refunds work before adding more.
Similar cards
RedotPay
Cost ≥3.1%Transparent fees, but mainland China is on the official restricted list — check your residence first.
- KYC
- No mainland China
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Issuance 10 USDRead review →
KAST
Generous limits and broad chain support, but confirm spending-side fees in the in-app preview.
- KYC
- Business KYB
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- Fund
- USDTUSDCPYUSDRLUSDEthereumSolanaPolygonArbitrum
Head-to-head: RedotPay vs Bybit Card, Bybit Card vs Crypto.com Visa Card.
Related records: When an issuer's own official pages contradict each other; Third-party leads checked against official pages.
FAQ
Can mainland China residents apply for Bybit Card?
Requires a Bybit account; Asia Pacific physical cards only for Tier 2 and above; official limits page notes "ATM withdrawals are restricted in Mainland China"; the pages read list neither personal documents nor restricted regions Confirm with official support before applying.
How much does it cost to open a Bybit Card card?
Virtual card issuance 0 USD, physical card 5 USD, monthly fee —.
Can Bybit Card be used for Meta / Google / TikTok ads?
The issuer makes no specific statement on ad platforms; prefer a card that officially supports ad payments.
How much can I actually spend from 1,000 USDT on Bybit Card?
On official fees, about 991.08 USD at a USD merchant and 971.65 USD at a non-USD merchant (upper bound).
How can I top up Bybit Card?
assets: USDT, USDC, BTC, ETH, XRP.
Affiliate linkOpen a Bybit Card card
A U-card is only for passing payments through: top up only what you will spend, and never keep a large balance on the card.