Bybit Card
88%
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Bybit Card vs PokePay
Bybit Card and PokePay share almost no user overlap despite both being crypto cards with no annual fee. Bybit Card is an exchange-native Mastercard where cashback scales with your Bybit VIP tier — built for active traders already embedded in the Bybit ecosystem. PokePay is a low-entry Hong Kong-issued virtual Visa built for online spending, with a standout edge on Chinese platform compatibility. One rewards exchange loyalty with cashback. The other prioritises spending breadth and platform flexibility with no exchange dependency required.
PokePay
82%
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Key Facts
| Card Network | Visa, Mastercard | Visa |
|---|---|---|
| Crypto Support | BTC, ETH, USDT, USDC, XRP, TON, MNT | USDT, USDC, BTC, ETH |
| Card Issuer | Moorwand Ltd (UK) / Harmoniie SAS (EEA) | Billionaire Finance Limited (Hong Kong; FINTRAC Canada, VASP Poland registered) |
| Card Types | Virtual, Physical | Virtual, Physical |
| Availability | EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific | Global — 100+ countries (HK-issued Visa; restricted jurisdictions apply) |
| KYC Required | Yes — full KYC + address verification | Minimal KYC for virtual; Full KYC for physical |
| Custody Model | Custodial (Bybit Funding Account) | Custodial |
| Card Validity | 3 years | 3 years ; free replacement on expiry |
| Card Tiers | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP | Standard / Premium (personal and business card segments) |
| Fiat Currencies | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC | HKD, USD, EUR |
| Supported Devices | iOS, Android, Web | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | Free | $5 |
|---|---|---|
| Physical Card Cost | $5 | $88 |
| Annual Fee | Free | Free |
| Top-up Fee | Free | Free |
| Minimum Top-up | $0 | $0 |
| FX Fee | 1% to 7% | 1% |
| ATM Withdrawal Fee | Free up to $100/month; 2% thereafter | 2% |
| Crypto Conversion Fee | 0.9% | 1% |
| Card Replacement Fee | $5 | $50 |
| Inactivity Fee | Free | $0 |
| Transaction Fee | Free | 1% |
| 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 | No dedicated cashback program; referral/node program up to 50% commission |
| Cashback Token | Unknown | No |
| Special Benefit | 100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland) | HK Alipay & WeChat Pay integration; PayPal, Wise, Netflix, Spotify, ChatGPT Plus support; 0% cross-border fee on HK-issued card |
| 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 (one-click card lock, 3DS toggle, combined payment settings) |
| Security Controls | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant | 3D Secure (3DS), one-click card lock, data encryption, CVV protection |
Limits
| Per-Transaction Limit | $1,000 to $13,500 (depends on region) | 100,000HKD |
|---|---|---|
| Daily Spending Limit | $5,000 to $15,000 (depends on region) | 100,000HKD |
| Monthly Spending Limit | $10,000 to $65,000 (depends on region) | unknown |
| ATM Daily Limit | €2,000 to $3,000 (depends on region) | HKD 5,000 max.5 withdrawals |
| ATM Monthly Limit | $1,800 to $10,000 (depends on region) | unknown |
| Top-up Min. Limit | $10 | — |
| Top-up Max. Limit | Unlimited | — |
| Top up Min. Limit | — | 0.1 HKD |
| Top up Max. Limit | — | Unlimited |
Customer Care
| Support Channels | 24/7 in-app live chat, ticket/email support, Help Center | In-app chat, email, phone, telegram, FAQ portal |
|---|---|---|
| Response Time | Generally responsive within 24 hours; limit increase reviews up to 7 business days | Within 24 hours (email); variable —fast response speed support |
| Languages Supported | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others | Chinese (primary), English (Traditional Chinese for support) |
| Knowledge Base | Yes — bybit.com/en/help-center | Yes — FAQ and guides at pokepay.cc |
| Refund Handling | Standard Mastercard chargeback process; card disputes handled via Bybit support | Standard Visa refund: 3–7 working days (merchant) + 2–4 days Visa network processing |
| User Reviews | Positive for card specifically | Trustpilot 3.7/5; Google Play 3.5/5 (185 reviews, 10K+ downloads); limited independent review history |
| Trust Score | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive | 3.7/5 (Trustpilot); regulated by FINTRAC Canada and VASP Poland |
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| Card Type | Virtual (incl. Lite) & Physical | Virtual or Physical |
|---|---|---|
| Min Top-up | No separate card top-up minimum; €100 initial account funding required (EEA) | 0.1 HKD min. top-up; virtual card activation from $5 |
| Approval Time | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases | 10 minutes after KYC |
| 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: 10–30 working days (shipped from Greater Bay Area) |
| Region Warning | Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions | HK-issued Visa; restricted jurisdictions apply (US, Russia, Iraq, and others); Steam not supported; iOS app region-limited |
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 |
PokePay
Get PokePayKey Facts
| Card Network | Visa |
|---|---|
| Crypto Support | USDT, USDC, BTC, ETH |
| Card Issuer | Billionaire Finance Limited (Hong Kong; FINTRAC Canada, VASP Poland registered) |
| Card Types | Virtual, Physical |
| Availability | Global — 100+ countries (HK-issued Visa; restricted jurisdictions apply) |
| KYC Required | Minimal KYC for virtual; Full KYC for physical |
| Custody Model | Custodial |
| Card Validity | 3 years ; free replacement on expiry |
| Card Tiers | Standard / Premium (personal and business card segments) |
| Fiat Currencies | HKD, USD, EUR |
| Supported Devices | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | $5 |
|---|---|
| Physical Card Cost | $88 |
| Annual Fee | Free |
| Top-up Fee | Free |
| Minimum Top-up | $0 |
| FX Fee | 1% |
| ATM Withdrawal Fee | 2% |
| Crypto Conversion Fee | 1% |
| Card Replacement Fee | $50 |
| Inactivity Fee | $0 |
| Transaction Fee | 1% |
| Refund Fee | Free |
Card Features
| Virtual Card | Yes |
|---|---|
| Physical Card | Yes |
| Apple Pay | Yes |
| Google Pay | Yes |
| ATM Withdrawal | Yes |
| Rewards Program | No dedicated cashback program; referral/node program up to 50% commission |
| Cashback Token | No |
| Special Benefit | HK Alipay & WeChat Pay integration; PayPal, Wise, Netflix, Spotify, ChatGPT Plus support; 0% cross-border fee on HK-issued card |
| Subscription Rebates | No |
| Earning | No |
| Mobile App Controls | Yes (one-click card lock, 3DS toggle, combined payment settings) |
| security controls | 3D Secure (3DS), one-click card lock, data encryption, CVV protection |
Limits
| Per-Transaction Limit | 100,000HKD |
|---|---|
| Daily Spending Limit | 100,000HKD |
| Monthly Spending Limit | unknown |
| ATM Daily Limit | HKD 5,000 max.5 withdrawals |
| ATM Monthly Limit | unknown |
| Top up Min. Limit | 0.1 HKD |
| Top up Max. Limit | Unlimited |
Customer Care
| Support Channels | In-app chat, email, phone, telegram, FAQ portal |
|---|---|
| Response Time | Within 24 hours (email); variable —fast response speed support |
| Languages Supported | Chinese (primary), English (Traditional Chinese for support) |
| Knowledge Base | Yes — FAQ and guides at pokepay.cc |
| Refund Handling | Standard Visa refund: 3–7 working days (merchant) + 2–4 days Visa network processing |
| User Reviews | Trustpilot 3.7/5; Google Play 3.5/5 (185 reviews, 10K+ downloads); limited independent review history |
| Trust Score | 3.7/5 (Trustpilot); regulated by FINTRAC Canada and VASP Poland |
Order Now
| Card Type | Virtual or Physical |
|---|---|
| Min Top-up | 0.1 HKD min. top-up; virtual card activation from $5 |
| Approval Time | 10 minutes after KYC |
| Bonus Offer | No |
| Card Delivery Time | Virtual: Instant; Physical: 10–30 working days (shipped from Greater Bay Area) |
| Region Warning | HK-issued Visa; restricted jurisdictions apply (US, Russia, Iraq, and others); Steam not supported; iOS app region-limited |
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
PokePay Pros
- Virtual card activation from as low as $5 (with promo codes)
- Zero monthly fees, zero annual fees, zero micro-transaction fees
- Accepts USDT, USDC, BTC, ETH for top-up
- Supports Apple Pay and Google Pay
- Works with Alipay, WeChat, PayPal, Wise, Netflix, Spotify, ChatGPT Plus
- Physical card supports global ATM withdrawals and POS payments
- 0% cross-border fees on HK-issued card
- Free card replacement on standard expiry
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
PokePay Cons
- Virtual card activation fee of $20 standard (promo codes reduce to ~$5–$7.20)
- Physical card costs $88–$99 (promotional pricing available)
- 1% recharge fee on all crypto top-ups
- 1% FX fee for non-HKD transactions
- Customer service responsiveness complaints reported (Trustpilot 3.7/5)
- Some major platforms not supported (e.g., Steam)
- iOS app primarily for US/HK region — limited availability elsewhere
- Restricted jurisdictions include US, Russia, Iraq, and other listed countries
Verdict
Choose Bybit Card if you’re an active Bybit trader in the EEA with VIP status that unlocks meaningful cashback. The direct Bybit Funding Account integration removes top-up friction for existing users — your trading balance becomes your spending balance instantly.
Choose PokePay if you want a low-barrier online spending card with no exchange dependency, no staking requirement, and coverage across Chinese payment platforms like Alipay, WeChat Pay, and Taobao alongside international subscriptions. At ~7.2 USDT entry cost with a promo code, the barrier to start is lower than almost any card on this site.
These two cards rarely represent a genuine dilemma — Bybit Card requires Bybit VIP status and EEA residency to deliver meaningful value, while PokePay targets online spenders across Asia and beyond with no platform loyalty required. Outside the EEA or without active Bybit trading volume, PokePay wins by accessibility alone. Inside the EEA at high Bybit VIP tiers, the cashback advantage makes Bybit Card the stronger everyday card — but PokePay’s Chinese platform compatibility remains a gap Bybit Card doesn’t fill.