Bybit Card
Issued by Bybit on the Mastercard network
- KYC required
- 10% cashback
- Custodial
- Virtual
- Physical
A Bybit exchange card with six cashback tiers from 2% to 10%, and a 100% rebate on select subscriptions — including ChatGPT Plus and Claude Pro — from Tier 2 upward. Not available in the EEA.
Verdict
A no-fee card with the highest advertised cashback ceiling of the major exchange cards — up to 10% — and one benefit no rival currently matches: a 100% rebate on select subscriptions, with Bybit naming ChatGPT Plus, Claude Pro, Netflix and Spotify. That rebate unlocks at Tier 2 on $500 of card spend and covers around 50 USDT a month, so for anyone already paying for AI tools it returns the whole bill. Your idle balance earns interest while it sits there.
- Best for: Everyday spenders outside the EEA — especially anyone already paying for ChatGPT Plus or Claude Pro
- Less suited to: Residents of the European Economic Area, where the programme is not offered
At a glance
- Six cashback tiers from 2% (Base) to 10% (Infinite)
- 100% rebate on select subscriptions from Tier 2 upward — ChatGPT Plus, Claude Pro, Netflix, Spotify
- Tier 2 unlocks at $500 card spend, capped at 50 USDT of rewards a month
- No annual fee; interest paid automatically on your available balance
- Virtual card instantly; physical card on request; Apple Pay and Google Pay
Who can get it
Bybit's Rewards Program terms require Identity Verification Level 1 and Level 2 — Level 1 alone is not enough. The programme is explicitly prohibited in the European Economic Area, and Bybit names all 30 countries in its terms rather than leaving it vague. Availability elsewhere is country-by-country.
How it works
- Verify your identity and address to confirm eligibility.
- Your virtual card is issued immediately — add it to Apple Pay or Google Pay, and request a physical card whenever you want one.
- Top up your Bybit Funding Account, then spend at merchants worldwide.
Strengths and trade-offs
Strengths
- Highest advertised cashback ceiling among the big exchange cards
- No annual fee to hold it
- Idle balance earns interest automatically rather than sitting dead
- Virtual card available in minutes, so you can test before committing to plastic
- Roughly 3 million reported users — a mature product, not a pilot
Trade-offs
- Not offered in the European Economic Area
- The 10% top rate sits at Tier 6, which takes $25,500 of spend or Supreme VIP status
- The subscription rebate starts at Tier 2 rather than the entry tier
- Custodial — Bybit holds the assets backing the card
- Rewards arrive as Reward Points; switch auto-cashback on to convert them automatically
| Issuer | Bybit |
|---|---|
| Card network | Mastercard |
| Card type | Virtual, Physical |
| KYC requirement | Identity Verification Lv. 1 and Lv. 2 required; prohibited in the EEA |
| Cashback | 2%–10% cashback across six tiers (2% at entry) |
| Annual fee | Free |
| Custody model | Custodial |
| Supported assets | BTC, ETH, USDT, USDC |
This link is a referral/affiliate link — we may earn a commission if you sign up, at no extra cost to you. It never changes the fees, KYC requirements, or cashback terms shown above.
Every figure above was checked against Bybit's own card page on 2026-07-31. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Bybit Card
Can I get the Bybit Card in Europe?
No. Bybit's Rewards Program terms state the programme is not intended for users residing in the European Economic Area and that participation is strictly prohibited. The terms name all 30 EEA countries explicitly.
How do the Bybit Card cashback tiers work?
Cashback runs on six tiers: Base 2%, Beta 2%, Alpha 4%, Apex 6%, Omega 8% and Infinite 10%. Tier 2 (Beta) is the one most people target — it takes $500 of card spend, pays 2%, and unlocks the 100% subscription rebate with a 50 USDT monthly cap. The higher tiers raise both the rate and the cap as your spending grows.
What tier do I need for the 100% subscription cashback?
Tier 2 (Beta) or above. You reach it with Bybit VIP tier 1–2 or $500 of card spend. At Tier 2 the monthly reward cap is 25,000 points, equal to 50 USDT — enough to cover ChatGPT Plus and Claude Pro together.
Do I need to complete KYC?
Yes, and more than the basic level: Bybit's terms require Identity Verification Level 1 and Level 2 to take part in the Rewards Program. There is no no-KYC path.
When does cashback actually arrive?
Reward Points become available 4 days after a transaction. If auto-cashback is enabled they convert to your chosen token and land in your Funding Account; otherwise they stay as points to redeem in the Rewards Market.