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Bybit Card vs Ether.fi Cash
Bybit Card and Ether.fi Cash are both built for active crypto users comfortable beyond basic stablecoin spending — but through entirely different models. Bybit Card is a CeFi Mastercard where cashback scales with your exchange VIP tier, drawing directly from your Bybit trading balance. Ether.fi Cash is a non-custodial DeFi card where ETH stays staked and earning yield while you borrow against it to spend. One rewards exchange activity with flat cashback. The other rewards ETH holders with compounding yield and non-disposal spending — no exchange required, no custody surrendered.
Key Facts
Card Network
Visa, Mastercard
Visa (Visa Signature tier)
Crypto Support
BTC, ETH, USDT, USDC, XRP, TON, MNT
ETH, USDC, USDT, BTC
Card Issuer
Moorwand Ltd (UK) / Harmoniie SAS (EEA)
Licensed Visa issuer via ether.fi partnership with MEXC
Card Types
Virtual, Physical
Virtual, Physical
Availability
EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific
Global — excluding US at launch; UK FCA licensing expected September 2026
KYC Required
Yes — full KYC + address verification
Yes — KYC required
Custody Model
Custodial (Bybit Funding Account)
Non-custodial (Gnosis Safe multi-sig — user-owned wallet)
Card Validity
3 years
3 years
Card Tiers
Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP
Core (free), Luxe (10K points), Pinnacle (50K points), VIP (invite-only)
Fiat Currencies
EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC
USD, EUR
Supported Devices
iOS, Android, Web
iOS, Android, Web
Pricing & Fees
Virtual Card Cost
Free
Free
Physical Card Cost
$5
$40 (refundable deposit)
Annual Fee
Free
Free
Top-up Fee
Free
Free
Minimum Top-up
$0
$40
FX Fee
1% to 7%
1%
ATM Withdrawal Fee
Free up to $100/month; 2% thereafter
2%
Crypto Conversion Fee
0.9%
Unknown
Card Replacement Fee
$5
$20
Inactivity Fee
Free
Free
Transaction Fee
Free
Free
Refund Fee
Free
Free
Card Features
Virtual Card
Yes
Yes
Physical Card
Yes
Yes
Apple Pay
No
Yes
Google Pay
Yes
Yes
ATM Withdrawal
Yes
Yes
Rewards Program
Yes — 2% to 10% tiered cashback
Yes — 2%–3% cashback; promo up to 10%
Cashback Token
Unknown
wETH
Special Benefit
100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland)
Borrow Mode (spend against ETH collateral without selling); Visa Signature benefits (purchase protection, extended warranty, rental insurance)
Subscription Rebates
Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers)
No
Earning
Yes — up to 8% APY via Bybit Earn on idle funds
Yes — Liquid Vault earns 5%+ APR on idle USDC; wETH cashback compounds via staking
Mobile App Controls
Yes (freeze/unfreeze, spending limits, category toggles)
Yes (freeze, transaction history, spending controls, multi-member roles)
Security Controls
EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant
Gnosis Safe multi-sig, non-custodial architecture, real-time notifications
Limits
Per-Transaction Limit
$1,000 to $13,500 (depends on region)
$30,000 to $100,000 (depends on card tier)
Daily Spending Limit
$5,000 to $15,000 (depends on region)
$30,000 to $100,000 (depends on card tier)
Monthly Spending Limit
$10,000 to $65,000 (depends on region)
$30,000 to $100,000 (depends on card tier)
ATM Daily Limit
€2,000 to $3,000 (depends on region)
$250/withdrawal; max 3 attempts per rolling 24 hours
ATM Monthly Limit
$1,800 to $10,000 (depends on region)
$250/withdrawal; max 3 attempts per rolling 24 hours
Top-up Min. Limit
$10
$5
Top-up Max. Limit
Unlimited
Unlimited
Customer Care
Support Channels
24/7 in-app live chat, ticket/email support, Help Center
In-app help, email, Help Center (help.ether.fi)
Response Time
Generally responsive within 24 hours; limit increase reviews up to 7 business days
Good — Responsive team; priority support for higher tiers
Languages Supported
Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others
English, Spanish, Portuguese, Traditional Chinese (help center)
Knowledge Base
Yes — bybit.com/en/help-center
Yes — help.ether.fi
Refund Handling
Standard Mastercard chargeback process; card disputes handled via Bybit support
Cashback reversed on refunded transactions; standard Visa dispute process applies
User Reviews
Positive for card specifically
Very positive among early adopters
Trust Score
~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive
~3.8/5 (early adopter reviews)
Order Now
Card Type
Virtual (incl. Lite) & Physical
Virtual & Physical ($40 refundable deposit for physical)
Min Top-up
No separate card top-up minimum; €100 initial account funding required (EEA)
$5
Approval Time
Virtual: Minutes (after KYC); review can take up to 7 working days in some cases
Virtual: Instant; Physical KYC approval: Fast (hours to 1 day)
Bonus Offer
Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT
Various Seasonal Promotion
Card Delivery Time
Virtual: Instant after approval; Physical: 7–14 days (varies by region)
Virtual: Instant; Physical: ~7 days international shipping (user reports)
Region Warning
Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions
Not available to US residents at launch; UK access available (full FCA licensing expected September 2026); Borrow Mode has liquidation risk
Bybit Card
Get Bybit Card →
Key Facts
Card Network
Visa, Mastercard
Crypto Support
BTC, ETH, USDT, USDC, XRP, TON, MNT
Card Issuer
Moorwand Ltd (UK) / Harmoniie SAS (EEA)
Card Types
Virtual, Physical
Availability
EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific
KYC Required
Yes — full KYC + address verification
Custody Model
Custodial (Bybit Funding Account)
Card Validity
3 years
Card Tiers
Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP
Fiat Currencies
EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC
Supported Devices
iOS, Android, Web
Pricing & Fees
Virtual Card Cost
Free
Physical Card Cost
$5
Annual Fee
Free
Top-up Fee
Free
Minimum Top-up
$0
FX Fee
1% to 7%
ATM Withdrawal Fee
Free up to $100/month; 2% thereafter
Crypto Conversion Fee
0.9%
Card Replacement Fee
$5
Inactivity Fee
Free
Transaction Fee
Free
Refund Fee
Free
Card Features
Virtual Card
Yes
Physical Card
Yes
Apple Pay
No
Google Pay
Yes
ATM Withdrawal
Yes
Rewards Program
Yes — 2% to 10% tiered cashback
Cashback Token
Unknown
Special Benefit
100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland)
Subscription Rebates
Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers)
Earning
Yes — up to 8% APY via Bybit Earn on idle funds
Mobile App Controls
Yes (freeze/unfreeze, spending limits, category toggles)
Security Controls
EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant
Limits
Per-Transaction Limit
$1,000 to $13,500 (depends on region)
Daily Spending Limit
$5,000 to $15,000 (depends on region)
Monthly Spending Limit
$10,000 to $65,000 (depends on region)
ATM Daily Limit
€2,000 to $3,000 (depends on region)
ATM Monthly Limit
$1,800 to $10,000 (depends on region)
Top-up Min. Limit
$10
Top-up Max. Limit
Unlimited
Customer Care
Support Channels
24/7 in-app live chat, ticket/email support, Help Center
Response Time
Generally responsive within 24 hours; limit increase reviews up to 7 business days
Languages Supported
Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others
Knowledge Base
Yes — bybit.com/en/help-center
Refund Handling
Standard Mastercard chargeback process; card disputes handled via Bybit support
User Reviews
Positive for card specifically
Trust Score
~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive
Order Now
Card Type
Virtual (incl. Lite) & Physical
Min Top-up
No separate card top-up minimum; €100 initial account funding required (EEA)
Approval Time
Virtual: Minutes (after KYC); review can take up to 7 working days in some cases
Bonus Offer
Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT
Card Delivery Time
Virtual: Instant after approval; Physical: 7–14 days (varies by region)
Region Warning
Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions
Ether.fi Cash
Get Ether.fi Cash →
Key Facts
Card Network
Visa (Visa Signature tier)
Crypto Support
ETH, USDC, USDT, BTC
Card Issuer
Licensed Visa issuer via ether.fi partnership with MEXC
Card Types
Virtual, Physical
Availability
Global — excluding US at launch; UK FCA licensing expected September 2026
KYC Required
Yes — KYC required
Custody Model
Non-custodial (Gnosis Safe multi-sig — user-owned wallet)
Card Validity
3 years
Card Tiers
Core (free), Luxe (10K points), Pinnacle (50K points), VIP (invite-only)
Fiat Currencies
USD, EUR
Supported Devices
iOS, Android, Web
Pricing & Fees
Virtual Card Cost
Free
Physical Card Cost
$40 (refundable deposit)
Annual Fee
Free
Top-up Fee
Free
Minimum Top-up
$40
FX Fee
1%
ATM Withdrawal Fee
2%
Crypto Conversion Fee
Unknown
Card Replacement Fee
$20
Inactivity Fee
Free
Transaction Fee
Free
Refund Fee
Free
Card Features
Virtual Card
Yes
Physical Card
Yes
Apple Pay
Yes
Google Pay
Yes
ATM Withdrawal
Yes
Rewards Program
Yes — 2%–3% cashback; promo up to 10%
Cashback Token
wETH
Special Benefit
Borrow Mode (spend against ETH collateral without selling); Visa Signature benefits (purchase protection, extended warranty, rental insurance)
Subscription Rebates
No
Earning
Yes — Liquid Vault earns 5%+ APR on idle USDC; wETH cashback compounds via staking
Mobile App Controls
Yes (freeze, transaction history, spending controls, multi-member roles)
Security Controls
Gnosis Safe multi-sig, non-custodial architecture, real-time notifications
Limits
Per-Transaction Limit
$30,000 to $100,000 (depends on card tier)
Daily Spending Limit
$30,000 to $100,000 (depends on card tier)
Monthly Spending Limit
$30,000 to $100,000 (depends on card tier)
ATM Daily Limit
$250/withdrawal; max 3 attempts per rolling 24 hours
ATM Monthly Limit
$250/withdrawal; max 3 attempts per rolling 24 hours
Top-up Min. Limit
$5
Top-up Max. Limit
Unlimited
Customer Care
Support Channels
In-app help, email, Help Center (help.ether.fi)
Response Time
Good — Responsive team; priority support for higher tiers
Languages Supported
English, Spanish, Portuguese, Traditional Chinese (help center)
Knowledge Base
Yes — help.ether.fi
Refund Handling
Cashback reversed on refunded transactions; standard Visa dispute process applies
User Reviews
Very positive among early adopters
Trust Score
~3.8/5 (early adopter reviews)
Order Now
Card Type
Virtual & Physical ($40 refundable deposit for physical)
Min Top-up
$5
Approval Time
Virtual: Instant; Physical KYC approval: Fast (hours to 1 day)
Bonus Offer
Various Seasonal Promotion
Card Delivery Time
Virtual: Instant; Physical: ~7 days international shipping (user reports)
Region Warning
Not available to US residents at launch; UK access available (full FCA licensing expected September 2026); Borrow Mode has liquidation risk
Pros & Cons
Bybit Card Pros
Up to 10% cashback for VIP users
No annual, monthly, or inactivity fees
Free instant virtual card after KYC
Supports BTC, ETH, USDT, USDC, XRP, TON, MNT
Apple Pay, Google Pay, Samsung Pay (EEA)
MiCAR-compliant in Europe
Both Mastercard and Visa available by region
Direct spending from Bybit Funding Account — no separate top-up needed
Ether.fi Cash Pros
Non-custodial — funds stay in your own Gnosis Safe multi-sig wallet
Up to 3% cashback in wETH (compounds your ETH stack via staking yield)
Borrow Mode: spend without selling crypto (tax-efficient)
No annual fee at any tier
Liquid Vault earns 5%+ APR on idle USDC balances
Apple Pay and Google Pay supported
Tax-efficient for long-term holders (borrowing not a taxable event)
Visa Signature benefits: purchase protection, extended warranty, rental insurance
Bybit Card Cons
Limited geographic availability (no US, Singapore, Hong Kong, France, Croatia, Ireland)
Top cashback rates (8–10%) require high Bybit VIP trading volume
Limited crypto support (7 assets vs. competitors with 20+ assets)
0.9% crypto conversion fee on each crypto spend
Monthly cashback caps apply per tier
Physical card ATM limit capped at €2,000/day (EEA)
Custodial — funds held on Bybit Funding Account
Bybit overall Trustpilot ~3.1/5
Ether.fi Cash Cons
Not available to US residents at launch (no confirmed US timeline)
Borrow Mode carries liquidation risk if collateral value drops
$40 physical card issuance fee (refundable deposit)
1% FX fee on non-USD transactions
2% ATM withdrawal fee
DeFi complexity may not suit non-crypto-native users
Newer product with shorter track record than established competitors
Borrowing rates revert to AAVE market rates when promo ends (2–10% APY)
Verdict
Choose Bybit Card if you’re an active Bybit trader in the EEA with VIP status that unlocks meaningful cashback. The direct Funding Account integration makes the card a natural extension of your existing trading setup — no separate top-up process, no additional platform to manage.
Choose Ether.fi Cash if you hold significant ETH, understand DeFi collateralisation mechanics, and want your position continuing to earn staking yield while you spend against it. The wETH cashback that re-stakes automatically and the Borrow Mode’s non-disposal structure offer upside that Bybit Card’s flat cashback rate can’t replicate for serious ETH holders.
Both cards reward active crypto users — but the asset you hold decides the comparison more than anything else. USDT and exchange-native balances point to Bybit Card. Significant ETH holdings with DeFi comfort point to Ether.fi Cash. Users who hold both should consider which asset they want working harder — exchange cashback on Bybit balances, or compounding staking yield on ETH collateral. The latter has higher ceiling, the former has lower complexity.
