Bybit Card review: fees, limits and who it suits

Bybit Card is a custodial card funded from your Bybit exchange account: payments draw on crypto and stablecoins in your Funding Account. It runs as two separate programs. Residents of eligible European countries apply through Bybit EU, which has its own application, fee and limit pages. Everyone else in supported regions uses the global program, where the card currency (USD, ARS, BRL, MXN and others), fees and limits are set by regional row. It suits people who already keep funds on Bybit and want to spend them directly.

Bybit EU (as of 26 Sep 2026): the virtual card and the first physical card are free, a replacement physical card costs EUR 5, payments in other currencies cost 0.5% above the Mastercard rate, and ATM withdrawals are free up to EUR 100 a month, then 2% on the amount above. Global program (fee table dated 10 Sep 2026): FX fees run from 1% to 7% depending on the region, crypto conversion costs 0.5% or 0.9% where supported, and a physical card costs from zero to USD/USDT 29.99. There is no annual fee in the fee tables.

For travelers, the EU card’s main limit is cash: EUR 100 a month before the 2% fee starts (as of 26 Sep 2026). Rewards are campaign-based and depend on tier and region, so the 2%–10% cashback figures quoted in older reviews describe past offers. A card hold can include FX padding, a temporary authorization buffer; the unused part is released.