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.
Editorial Score
88%
89%
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) |
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| 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 CardKey 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 |
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| 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 CashKey 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 |
Best For
Active Bybit exchange users in EEA and supported regions seeking high cashback (up to 10%), zero annual fees, and seamless trading-to-spending integration.
ETH holders and DeFi natives outside the US who prioritise non-custodial control, tax-efficient spending, and compounding wETH cashback.
Our 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.
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)
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