Bybit Card vs KazePay
Bybit Card and KazePay are both no-annual-fee custodial cards with global Visa/Mastercard acceptance and stablecoin support — but their value propositions point in opposite directions. Bybit Card rewards exchange loyalty with cashback that scales up to 10% at VIP tiers, tied directly to your Bybit trading activity. KazePay rewards spending flexibility with multiple virtual cards, seven network top-up options, and no exchange dependency. One is best when you’re already deep in the Bybit ecosystem. The other works regardless of where your crypto lives.
Editorial Score
88%
80%
Key Facts
| Card Network | Visa, Mastercard | Visa, Mastercard |
|---|---|---|
| Crypto Support | BTC, ETH, USDT, USDC, XRP, TON, MNT | USDT, USDC |
| Card Issuer | Moorwand Ltd (UK) / Harmoniie SAS (EEA) | METABANK / KAZEFI (multi-issuer aggregator model) |
| Card Types | Virtual, Physical | Virtual, Physical |
| Availability | EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific | 210+ countries globally |
| KYC Required | Yes — full KYC + address verification | Minimal KYC for virtual ; Full KYC for physical card |
| Custody Model | Custodial (Bybit Funding Account) | Custodial |
| Card Validity | 3 years | Virtual: 1 to 3 years; Physical: 5 years |
| Card Tiers | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP | KazeGo, KazeDIGI, KazeGen, KazeWay, KazeSky, KazeUp, KazePrime, KazeNoir, KazeOnyx, KazeVita - usage different |
| Fiat Currencies | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC | USD |
| Supported Devices | iOS, Android, Web | Web |
Pricing & Fees
| Virtual Card Cost | Free | $25 , $49 |
|---|---|---|
| Physical Card Cost | $5 | $100–$150 |
| Annual Fee | Free | Free |
| Top-up Fee | Free | 1.8%–2.2% (virtual); 2% (physical) |
| Minimum Top-up | $0 | 10–15 USDT |
| FX Fee | 1% to 7% | 1% to 3% |
| ATM Withdrawal Fee | Free up to $100/month; 2% thereafter | 2% |
| Crypto Conversion Fee | 0.9% | Free |
| Card Replacement Fee | $5 | Repurchase new card |
| Inactivity Fee | Free | $0 |
| Transaction Fee | Free | Free |
| Refund Fee | Free | Free |
Card Features
| Virtual Card | Yes | Yes |
|---|---|---|
| Physical Card | Yes | Yes |
| Apple Pay | No | Yes (virtual card only — physical card does NOT support Apple Pay) |
| Google Pay | Yes | Yes (virtual card only — physical card does NOT support Google Pay) |
| ATM Withdrawal | Yes | Yes |
| Rewards Program | Yes — 2% to 10% tiered cashback | No confirmed official rewards program; referral program available |
| Cashback Token | Unknown | 2% Rebate via Aptos network |
| Special Benefit | 100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland) | Multiple virtual cards on one account; zero inter-user transfer fees; 210+ country coverage; no staking required |
| Subscription Rebates | Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers) | No |
| Earning | Yes — up to 8% APY via Bybit Earn on idle funds | No |
| Mobile App Controls | Yes (freeze/unfreeze, spending limits, category toggles) | Yes (card management, multi-card control via app) |
| Security Controls | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant | Multi-signature wallets, real-time risk monitoring, strong encryption, 3D Secure (3DS) |
Limits
| Per-Transaction Limit | $1,000 to $13,500 (depends on region) | Up to $10,000 per transaction (varies by tier) |
|---|---|---|
| Daily Spending Limit | $5,000 to $15,000 (depends on region) | $50,000/day (standard tier); up to $250,000/day (premium tier) |
| Monthly Spending Limit | $10,000 to $65,000 (depends on region) | $400,000/month (premium tier) |
| ATM Daily Limit | €2,000 to $3,000 (depends on region) | $1,500 max 6 withdrawals |
| ATM Monthly Limit | $1,800 to $10,000 (depends on region) | $15,000 |
| Top-up Min. Limit | $10 | — |
| Top-up Max. Limit | Unlimited | — |
| Top up Min. Limit | — | $10 |
| Top up Max. Limit | — | $50,000 |
Customer Care
| Support Channels | 24/7 in-app live chat, ticket/email support, Help Center | Email, Telegram, Freshdesk ticket, FAQ portal |
|---|---|---|
| Response Time | Generally responsive within 24 hours; limit increase reviews up to 7 business days | Average — within 48 hours; some reports of slow response |
| Languages Supported | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others | English (primary), Chinese; Telegram community multilingual |
| Knowledge Base | Yes — bybit.com/en/help-center | Yes — FAQ, pricing guide, user guides at kazepay.io/faq |
| Refund Handling | Standard Mastercard chargeback process; card disputes handled via Bybit support | Standard 3–7 business days for merchant refunds; virtual card refunds not guaranteed |
| User Reviews | Positive for card specifically | Mixed — positive for ease of use and global coverage; limited third-party review depth |
| Trust Score | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive | 3.8/5 ; not independently rated on major review platforms; Malaysia-connected team |
Order Now
| Card Type | Virtual (incl. Lite) & Physical | Virtual & Physical (Visa / Mastercard — depends on selected card tier) |
|---|---|---|
| Min Top-up | No separate card top-up minimum; €100 initial account funding required (EEA) | 10 |
| Approval Time | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases | Instant |
| Bonus Offer | Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT | No |
| Card Delivery Time | Virtual: Instant after approval; Physical: 7–14 days (varies by region) | Virtual: Instant; Physical: 7–14 days (varies by country) |
| Region Warning | Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions | 210+ countries; not support Apple Pay/Google Pay; iOS app US region only |
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 |
KazePay
Get KazePayKey Facts
| Card Network | Visa, Mastercard |
|---|---|
| Crypto Support | USDT, USDC |
| Card Issuer | METABANK / KAZEFI (multi-issuer aggregator model) |
| Card Types | Virtual, Physical |
| Availability | 210+ countries globally |
| KYC Required | Minimal KYC for virtual ; Full KYC for physical card |
| Custody Model | Custodial |
| Card Validity | Virtual: 1 to 3 years; Physical: 5 years |
| Card Tiers | KazeGo, KazeDIGI, KazeGen, KazeWay, KazeSky, KazeUp, KazePrime, KazeNoir, KazeOnyx, KazeVita - usage different |
| Fiat Currencies | USD |
| Supported Devices | Web |
Pricing & Fees
| Virtual Card Cost | $25 , $49 |
|---|---|
| Physical Card Cost | $100–$150 |
| Annual Fee | Free |
| Top-up Fee | 1.8%–2.2% (virtual); 2% (physical) |
| Minimum Top-up | 10–15 USDT |
| FX Fee | 1% to 3% |
| ATM Withdrawal Fee | 2% |
| Crypto Conversion Fee | Free |
| Card Replacement Fee | Repurchase new card |
| Inactivity Fee | $0 |
| Transaction Fee | Free |
| Refund Fee | Free |
Card Features
| Virtual Card | Yes |
|---|---|
| Physical Card | Yes |
| Apple Pay | Yes (virtual card only — physical card does NOT support Apple Pay) |
| Google Pay | Yes (virtual card only — physical card does NOT support Google Pay) |
| ATM Withdrawal | Yes |
| Rewards Program | No confirmed official rewards program; referral program available |
| Cashback Token | 2% Rebate via Aptos network |
| Special Benefit | Multiple virtual cards on one account; zero inter-user transfer fees; 210+ country coverage; no staking required |
| Subscription Rebates | No |
| Earning | No |
| Mobile App Controls | Yes (card management, multi-card control via app) |
| security controls | Multi-signature wallets, real-time risk monitoring, strong encryption, 3D Secure (3DS) |
Limits
| Per-Transaction Limit | Up to $10,000 per transaction (varies by tier) |
|---|---|
| Daily Spending Limit | $50,000/day (standard tier); up to $250,000/day (premium tier) |
| Monthly Spending Limit | $400,000/month (premium tier) |
| ATM Daily Limit | $1,500 max 6 withdrawals |
| ATM Monthly Limit | $15,000 |
| Top up Min. Limit | $10 |
| Top up Max. Limit | $50,000 |
Customer Care
| Support Channels | Email, Telegram, Freshdesk ticket, FAQ portal |
|---|---|
| Response Time | Average — within 48 hours; some reports of slow response |
| Languages Supported | English (primary), Chinese; Telegram community multilingual |
| Knowledge Base | Yes — FAQ, pricing guide, user guides at kazepay.io/faq |
| Refund Handling | Standard 3–7 business days for merchant refunds; virtual card refunds not guaranteed |
| User Reviews | Mixed — positive for ease of use and global coverage; limited third-party review depth |
| Trust Score | 3.8/5 ; not independently rated on major review platforms; Malaysia-connected team |
Order Now
| Card Type | Virtual & Physical (Visa / Mastercard — depends on selected card tier) |
|---|---|
| Min Top-up | 10 |
| Approval Time | Instant |
| Bonus Offer | No |
| Card Delivery Time | Virtual: Instant; Physical: 7–14 days (varies by country) |
| Region Warning | 210+ countries; not support Apple Pay/Google Pay; iOS app US region only |
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.
Digital nomads, stablecoin earners, and global crypto spenders who want zero transaction fees, 210+ country coverage, and instant virtual card access without staking requirements.
Our Verdict
Choose Bybit Card if you’re an active Bybit trader in the EEA with VIP status that unlocks meaningful cashback. At higher tiers the 8–10% cashback rate is among the best on this site — and for existing Bybit users the card adds spending utility at effectively zero additional cost.
Choose KazePay if you want a stablecoin spending card with no exchange dependency, multiple virtual cards for budget management, and USDT/USDC support across seven blockchain networks. The 1.8–2.2% top-up fee is the honest drawback, but the platform flexibility and multi-card structure suit freelancers and digital nomads who don’t trade on Bybit and don’t want to start.
Bybit Card’s cashback is genuinely compelling — but only for users who already qualify for it through exchange activity. For everyone outside the EEA or below meaningful Bybit VIP status, the cashback advantage evaporates and KazePay’s flexibility becomes the more practical choice. If you’re a Bybit trader in Europe, Bybit Card. If you’re anyone else, KazePay’s independence wins over a rewards card you can’t fully access.
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
KazePay Pros
- Zero transaction fees for spending (no micro-transaction or purchase fee)
- Available in 210+ countries — one of the broadest global coverages
- Instant virtual card issuance with minimal KYC
- Supports multiple stablecoin chains: BSC, Solana, Tron, Avalanche, Arbitrum, Base, Aptos, Ethereum, Liquid, Base
- Multiple card tiers for spending volumes up to $250,000 daily
- Apple Pay and Google Pay supported on virtual card
- Multiple virtual cards supported on one account
- No staking or token holding required
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
KazePay Cons
- Top-up fees of 1.8%–2.2% apply on all recharges (one of the higher rates in market)
- Physical card does NOT support Apple Pay or Google Pay
- iOS app limited to US region only; non-US users must use web app
- ATM withdrawal incurs 2% fee plus $1 minimum charge
- No confirmed official cashback or rewards program
- KYC becoming mandatory — minimal-KYC window closing for existing users
- Card balance cannot be withdrawn back on-chain
- No refund guarantee on virtual card transactions
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