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Bybit Card vs Crypto.com Visa Card
Bybit Card or Crypto.com Visa Card? This page puts the same fields from both reviews side by side — every number from each issuer's official pages, checked 2026-11-10 — and gives a verdict for three uses: advertising, subscriptions and large spending.
Side-by-side comparison
| Item | Bybit Card | Crypto.com Visa Card |
|---|---|---|
| Operator | Bybit | Crypto.com |
| Network | Visa, Mastercard | Visa |
| Card types | Virtual, Physical | Physical |
| Virtual issuance | 0 USD | — |
| Monthly fee | — | — |
| Top-up fee | — | — |
| Spend / conversion | 0.9% | — |
| FX fee | 2% | 0.5% |
| ATM | First 100 USD per month free, 2% above (ATM operators may charge extra) | 2% above the monthly free ATM allowance |
| Total cost (non-USD merchant) | ≥2.8% | — |
| Mainland China residents | — | — |
| Documents stated | — | — |
| Restricted regions | — | — |
| 3DS | — | — |
| Meta / Google / TikTok | — | — |
| Limits | 10,000/day · 50,000/mo USD | — |
| Limit notes | 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 | Singapore non-resident Midnight: S$10,000 daily/monthly spending; Indigo/Jade and above S$25,000; max card balance S$10,000–25,000 |
| Bulk issuing | Not supported | Not supported |
| Top-up chains | — | — |
| Source | Official fee page · 2026-11-10 | Official fee page · 2026-11-10 |
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Key differences
Bybit Card
Bybit Card: Bybit Card is issued by the Bybit exchange. Easiest option if you already use Bybit, but paying non-USD merchants with USDT costs roughly 2.9% all-in. Issuance 0 usd; total cost at non-usd merchants ≥2.8%. Best for individuals already trading on Bybit and living in a supported region; not for ad teams that need many cards for separate accounts. Read the full review
Crypto.com Visa Card
Crypto.com Visa Card: Crypto.com Visa Card was one of the first crypto cards issued at scale. Established and well documented, but the rules are split into a dozen regional versions — find your own region's page first. Best for individuals in supported regions who already use the Crypto.com app; not for ad teams; anyone who doesn't want to deal with region-specific rules. Read the full review
Verdict by use case
Advertising
Both are personal exchange cards without bulk issuing or official ad-platform statements, so neither suits ad teams.
AI and software subscriptions
Choose Bybit Card. Its virtual card is free; Crypto.com's fee pages read only list physical-card fees and charge an inactivity fee after a year unused (S$5 a month, S$6 from 2026-09-01).
Large spending
Choose Bybit Card. Its Asia Pacific Tier 3 reaches 100,000 USD a day, while Crypto.com's Singapore non-resident Midnight tier allows S$10,000 a day and even higher tiers only S$25,000. If you already hold a high Crypto.com tier, though, its FX waivers and larger free ATM allowance may come out ahead.
Choose by your situation
- If you live in mainland China: Bybit Card and Crypto.com Visa Card are not explicitly excluded, but get written confirmation from the issuer first.
- If you need a physical card or ATM cash: Bybit Card and Crypto.com Visa Card offer a physical card; withdrawal fees are as listed in the reviews.
- If you need many cards for separate accounts or projects: neither publishes a multi-card or bulk-issuing feature.
- If you top up via TRC20: neither official page lists TRC20; check supported networks in the app before topping up.
Conclusion
Both publish different fee tables per region, so find the version for where you live first. Bybit's strengths are a free card and limit upgrades; Crypto.com's are more free items at higher tiers.
Whichever you pick, confirm first that your residence and documents fall within the issuer's policy, and test with a small amount before relying on it.
Related reading
For each card's full calculation and document details, see the Bybit Card and Crypto.com Visa Card reviews; to rule out cards by residence first, see the KYC policy table. Other comparisons:
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- RedotPay vs PokePay
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- MetaMask Card vs ether.fi Cash
FAQ
Which is cheaper, Bybit Card or Crypto.com Visa Card?
On our standard basis (open a card, top up 1,000 USDT, spend at a non-USD merchant), Bybit Card costs ≥2.8% and Crypto.com Visa Card —; "≥" marks a lower bound.
Can mainland China residents use Bybit Card or Crypto.com Visa Card?
Bybit Card: —; Crypto.com Visa Card: —. See the KYC policy table for each card.
For advertising, Bybit Card or Crypto.com Visa Card?
Both are personal exchange cards without bulk issuing or official ad-platform statements, so neither suits ad teams.
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.