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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.
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 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
KazePay
Get KazePay →
Key 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
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
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.
