Home › RedotPay vs Bybit Card
RedotPay vs Bybit Card
RedotPay or Bybit 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 | RedotPay | Bybit Card |
|---|---|---|
| Operator | RedotPay | Bybit |
| Network | — | Visa, Mastercard |
| Card types | Virtual, Physical | Virtual, Physical |
| Virtual issuance | 10 USD | 0 USD |
| Monthly fee | 0 USD | — |
| Top-up fee | — | — |
| Spend / conversion | 1% | 0.9% |
| FX fee | 1.2% | 2% |
| ATM | USD card: 2% up to 10,000 USD per month, 3% above; HKD card: 2% | First 100 USD per month free, 2% above (ATM operators may charge extra) |
| Total cost (non-USD merchant) | ≥3.1% | ≥2.8% |
| Mainland China residents | Officially not eligible | — |
| Documents stated | — | — |
| Restricted regions | Mainland China, United States, Singapore, India, … | — |
| 3DS | — | — |
| Meta / Google / TikTok | Meta +1.5% fee | — |
| 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 |
| Bulk issuing | — | Not supported |
| Top-up chains | — | — |
| Source | Official fee page · 2026-11-10 | Official fee page · 2026-11-10 |
← →
Key differences
- Virtual issuance: Bybit Card at 0 USD is lower than RedotPay at 10 USD.
- Spend / conversion fee: Bybit Card at 0.9% is lower than RedotPay at 1%.
- FX fee: RedotPay at 1.2% is lower than Bybit Card at 2%.
- Mainland China residents: RedotPay officially not eligible.
RedotPay
RedotPay: RedotPay is one of the most discussed USDT cards among Chinese-speaking users. Transparent fees, but mainland China is on the official restricted list — check your residence first. Issuance 10 usd; total cost at non-usd merchants ≥3.1%; mainland china residents: officially not eligible. Best for users outside the restricted list who mainly spend day-to-day and withdraw at ATMs; not for mainland China residents; teams whose main use is Meta ads. Read the full review
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
Verdict by use case
Advertising
Neither is built for ad teams: RedotPay officially lists Facebook Ads as a merchant with a 1.5% transaction fee, and Bybit Card doesn't support multiple cards per account. Ad teams should go straight to the advertisers ranking.
AI and software subscriptions
Choose Bybit Card. Its virtual card is free while RedotPay's costs 10 USD, and paying with USDT costs 0.9% conversion on Bybit versus 1% on RedotPay — provided you're in a Bybit-supported region and not on RedotPay's restricted list.
Large spending
Choose Bybit Card. Its Asia Pacific limits are published tier by tier (Tier 1: 10,000 USD daily, 50,000 monthly, upgradable); for large ATM withdrawals, RedotPay's clearly stated 2% (up to 10,000 USD a month) is a useful complement.
Choose by your situation
- If you live in mainland China: Bybit Card is not explicitly excluded, but get written confirmation from the issuer first.
- If you need a physical card or ATM cash: RedotPay and Bybit 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
For Chinese-speaking users the first conclusion is eligibility: RedotPay officially doesn't issue cards to mainland China residents, while Bybit Card notes ATM restrictions there. If you qualify for both, Bybit Card wins on issuance, conversion fees and limit transparency.
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 RedotPay and Bybit Card reviews; to rule out cards by residence first, see the KYC policy table. Other comparisons:
- ExCards vs KripiCard
- RedotPay vs PokePay
- KAST vs ether.fi Cash
- Bybit Card vs Crypto.com Visa Card
- MetaMask Card vs ether.fi Cash
FAQ
Which is cheaper, RedotPay or Bybit Card?
On our standard basis (open a card, top up 1,000 USDT, spend at a non-USD merchant), RedotPay costs ≥3.1% and Bybit Card ≥2.8%; "≥" marks a lower bound.
Can mainland China residents use RedotPay or Bybit Card?
RedotPay: Officially not eligible; Bybit Card: —. See the KYC policy table for each card.
For advertising, RedotPay or Bybit Card?
Neither is built for ad teams: RedotPay officially lists Facebook Ads as a merchant with a 1.5% transaction fee, and Bybit Card doesn't support multiple cards per account. Ad teams should go straight to the advertisers ranking.
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.