- Supports major cryptos (USDT, BTC, ETH, etc.)
- Instant virtual card issuance
- No monthly or annual fees
- Global Mastercard acceptance
- Apple Pay & Google Pay supported
- Cashback rewards on eligible spending
- Integrated with Bybit wallet for easy top-up
- Available in limited regions only
- Cashback depends on VIP tier
- Physical card delivery may take time
- No support for smaller altcoins
- No separated wallet balance. Must use the Bybit Funding account
💳 Bybit USDT Mastercard Card — Full Review (2025)
🧾 What Is the Bybit Card?
The Bybit Card is a Mastercard branded crypto debit card that lets you spend USDT—and other supported cryptocurrencies—instantly anywhere Mastercard is accepted. It comes in both virtual and physical versions, all tied to your Bybit Funding Account. No pre-filling is needed: crypto is converted in real time at checkout.
🔐 Supported Assets & Availability
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Cryptocurrencies Supported: USDT, USDC, BTC, ETH, XRP, BNB, TON, MNT (availability depends on region).
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Countries Supported: Available in EEA, Australia, Argentina, Switzerland and other select regions. Not available in the US, UK, India (except FIU‑registered), Japan, etc.
💵 Fees & Limits
| Fee / Limit | Charge |
|---|---|
| Crypto conversion | 0.9% on transaction amounts (on top of Spot trading fees) |
| FX (forex) fee | 1% (on top of Mastercard’s exchange rate) |
| Issuance (virtual card) | Free |
| Issuance (physical card) | 5 USD/USDT |
| ATM withdrawals | Free up to first 100 USD per month; then 2% fee |
| Annual / inactivity / cancellation | None |
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Spending limits: Daily ~5,000 EUR/GBP; monthly ~50,000; annual ~250,000. Virtual‑lite version limit lifetime 150 EUR until upgrade.
🎁 Rewards & Bonuses
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Cashback up to 10%, depending on VIP tier and monthly promotions.
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Loyalty Rewards Points can be redeemed through Bybit’s rewards shop (partner perks like rebates on Netflix, Spotify, ChatGPT subscriptions).
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Monthly featured cashback campaigns, e.g., 5% on travel, supermarkets, or other categories widely reported in Reddit threads.
✅ Pros
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Globally accepted at over 90 million Mastercard merchants, with Apple/Google Pay support.
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No annual or inactivity fees, and low ongoing costs.
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Flexible rewards system — choose crypto cashback or points, depending on VIP status.
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Strong security: EMV 3‑D Secure, 2FA, fraud monitoring, card freeze.
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Auto‑savings feature (up to ~8% APR) keeps idle crypto in savings but still accessible for card use.
⚠️ Cons
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Limited crypto support—eight assets only; other tokens need manual conversion.
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Not available everywhere, especially Asia/Americas; restricted in Japan, UK, USA, India by residency rules.
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Fees still apply for foreign currency and conversions—can add up if used abroad often.
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Customer reviews (Trustpilot ≈3.4/5) show inconsistent support—some users report account lockouts and slow response to issues.
🧠 Final Verdict
The Bybit Card is one of the top USDT‑compatible crypto debit cards in 2025: it combines global Mastercard acceptance, powerful cashback features, and low/no-fee structure, making it ideal for crypto users who spend in supported regions.
However, its per-region availability, limited asset support, and occasional customer service criticisms mean it isn’t a perfect fit for all users. If you mainly hold USDT (or major tokens) and live in supported regions, this card offers a compelling blend of usability and rewards.
Would you like a bullet‑list formatted summary for your homepage, integration into comparison tables, or regional support notes beside Crypto.com, Binance, etc.? I can also prepare a Infographic‑style pros vs cons or user flow widget.