Bybit Card
88%
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Bybit Card vs RedotPay
Bybit Card and RedotPay are both built for active crypto users who move beyond casual stablecoin spending — but through different mechanisms. Bybit Card ties cashback and card utility directly to your exchange VIP tier, rewarding high-frequency Bybit traders with up to 10% cashback. RedotPay removes the exchange dependency entirely and focuses on raw capacity — $100K per transaction, $1M daily, 20+ supported assets. One rewards platform loyalty with cashback. The other delivers volume capacity without any tier or staking requirement.
RedotPay
88%
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Key Facts
| Card Network | Visa, Mastercard | Visa |
|---|---|---|
| Crypto Support | BTC, ETH, USDT, USDC, XRP, TON, MNT | BTC, ETH, USDT, USDC, SOL, BNB, Sonic, TON, TRX, XRP, SUI |
| Card Issuer | Moorwand Ltd (UK) / Harmoniie SAS (EEA) | RedotPay (HK-based) |
| Card Types | Virtual, Physical | Virtual, Physical |
| Availability | EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific | 100+ countries (158 countries supported) |
| KYC Required | Yes — full KYC + address verification | Yes — full KYC + AML |
| Custody Model | Custodial (Bybit Funding Account) | Custodial (Circle & Fireblocks) |
| Card Validity | 3 years | 3 years |
| Card Tiers | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP | Virtual, Solana, Nature Emerald Palm,Nature Sunset Dune, Physical |
| Fiat Currencies | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC | USD, EUR, GBP |
| Supported Devices | iOS, Android, Web | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | Free | $10 |
|---|---|---|
| Physical Card Cost | $5 | $100 |
| Annual Fee | Free | Free |
| Top-up Fee | Free | 1% |
| Minimum Top-up | $0 | $1 |
| FX Fee | 1% to 7% | 1.2% |
| ATM Withdrawal Fee | Free up to $100/month; 2% thereafter | 2% |
| Crypto Conversion Fee | 0.9% | 1% |
| Card Replacement Fee | $5 | Repurchase new card |
| Inactivity Fee | Free | Free |
| Transaction Fee | Free | 1% |
| Refund Fee | Free | >€1 or 0.05%; $50 chargeback fee |
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 | $5 Sign up bonus |
| Cashback Token | Unknown | up to 3% for Solana card users |
| Special Benefit | 100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland) | RedotPay Credit (crypto-backed credit line); P2P transfers; high spending limits |
| 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 — USDT & USDC Earning yield Daily |
| Mobile App Controls | Yes (freeze/unfreeze, spending limits, category toggles) | Yes (freeze, lock card, transaction notifications) |
| Security Controls | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant | PIN protection, biometric auth, real-time transaction monitoring |
Limits
| Per-Transaction Limit | $1,000 to $13,500 (depends on region) | $100,000 |
|---|---|---|
| Daily Spending Limit | $5,000 to $15,000 (depends on region) | $1,000,000 |
| Monthly Spending Limit | $10,000 to $65,000 (depends on region) | $1,000,000 |
| ATM Daily Limit | €2,000 to $3,000 (depends on region) | $3,750 |
| ATM Monthly Limit | $1,800 to $10,000 (depends on region) | $50,000 |
| Top-up Min. Limit | $10 | $1 |
| Top-up Max. Limit | Unlimited | Unlimited |
Customer Care
| Support Channels | 24/7 in-app live chat, ticket/email support, Help Center | In-app chat, Help Center, email, Telegram, Discord |
|---|---|---|
| Response Time | Generally responsive within 24 hours; limit increase reviews up to 7 business days | 1–3 days for complex issues (KYC re-verification may take 3–5 days) |
| Languages Supported | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others | English, Arabic, French, Portuguese, Simplified Chinese, Spanish |
| Knowledge Base | Yes — bybit.com/en/help-center | Yes — helpcenter.redotpay.com |
| Refund Handling | Standard Mastercard chargeback process; card disputes handled via Bybit support | $50 chargeback fee; 3–6 month resolution timeline for disputes |
| User Reviews | Positive for card specifically | Mixed — high-volume users mostly satisfied |
| Trust Score | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive | 3.2/5 (Trustpilot) |
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| Card Type | Virtual (incl. Lite) & Physical | Virtual & Physical |
|---|---|---|
| Min Top-up | No separate card top-up minimum; €100 initial account funding required (EEA) | $1 |
| Approval Time | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases | Virtual: Minutes to hours after KYC; Physical: Standard shipping |
| Bonus Offer | Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT | $5 USDC welcome reward for new users for card rebate |
| Card Delivery Time | Virtual: Instant after approval; Physical: 7–14 days (varies by region) | Virtual: Near-instant post-KYC; Physical: ~5–14 business days (varies by country) |
| Region Warning | Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions | US, Mainland China, Singapore and several other countries excluded; physical card delivery also restricted in some regions |
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 |
RedotPay
Get RedotPayKey Facts
| Card Network | Visa |
|---|---|
| Crypto Support | BTC, ETH, USDT, USDC, SOL, BNB, Sonic, TON, TRX, XRP, SUI |
| Card Issuer | RedotPay (HK-based) |
| Card Types | Virtual, Physical |
| Availability | 100+ countries (158 countries supported) |
| KYC Required | Yes — full KYC + AML |
| Custody Model | Custodial (Circle & Fireblocks) |
| Card Validity | 3 years |
| Card Tiers | Virtual, Solana, Nature Emerald Palm,Nature Sunset Dune, Physical |
| Fiat Currencies | USD, EUR, GBP |
| Supported Devices | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | $10 |
|---|---|
| Physical Card Cost | $100 |
| Annual Fee | Free |
| Top-up Fee | 1% |
| Minimum Top-up | $1 |
| FX Fee | 1.2% |
| ATM Withdrawal Fee | 2% |
| Crypto Conversion Fee | 1% |
| Card Replacement Fee | Repurchase new card |
| Inactivity Fee | Free |
| Transaction Fee | 1% |
| Refund Fee | >€1 or 0.05%; $50 chargeback fee |
Card Features
| Virtual Card | Yes |
|---|---|
| Physical Card | Yes |
| Apple Pay | Yes |
| Google Pay | Yes |
| ATM Withdrawal | Yes |
| Rewards Program | $5 Sign up bonus |
| Cashback Token | up to 3% for Solana card users |
| Special Benefit | RedotPay Credit (crypto-backed credit line); P2P transfers; high spending limits |
| Subscription Rebates | No |
| Earning | Yes — USDT & USDC Earning yield Daily |
| Mobile App Controls | Yes (freeze, lock card, transaction notifications) |
| Security Controls | PIN protection, biometric auth, real-time transaction monitoring |
Limits
| Per-Transaction Limit | $100,000 |
|---|---|
| Daily Spending Limit | $1,000,000 |
| Monthly Spending Limit | $1,000,000 |
| ATM Daily Limit | $3,750 |
| ATM Monthly Limit | $50,000 |
| Top-up Min. Limit | $1 |
| Top-up Max. Limit | Unlimited |
Customer Care
| Support Channels | In-app chat, Help Center, email, Telegram, Discord |
|---|---|
| Response Time | 1–3 days for complex issues (KYC re-verification may take 3–5 days) |
| Languages Supported | English, Arabic, French, Portuguese, Simplified Chinese, Spanish |
| Knowledge Base | Yes — helpcenter.redotpay.com |
| Refund Handling | $50 chargeback fee; 3–6 month resolution timeline for disputes |
| User Reviews | Mixed — high-volume users mostly satisfied |
| Trust Score | 3.2/5 (Trustpilot) |
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| Card Type | Virtual & Physical |
|---|---|
| Min Top-up | $1 |
| Approval Time | Virtual: Minutes to hours after KYC; Physical: Standard shipping |
| Bonus Offer | $5 USDC welcome reward for new users for card rebate |
| Card Delivery Time | Virtual: Near-instant post-KYC; Physical: ~5–14 business days (varies by country) |
| Region Warning | US, Mainland China, Singapore and several other countries excluded; physical card delivery also restricted in some regions |
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
RedotPay Pros
- Industry-leading $100K per-transaction and $1M daily limits
- Wide crypto support: BTC, ETH, USDT, USDC + 20+ altcoins across multiple networks
- Apple Pay, Google Pay, Samsung Pay all supported
- Telegram mini-app for instant USDT top-ups
- Both virtual and physical cards available
- Available in 100+ countries
- Large help center with multilingual support articles
- $5 USDC welcome reward for new users
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
RedotPay Cons
- $10 virtual card + $100 physical card issuance fee
- 1% crypto conversion + 1.2% FX fee stacks quickly for international use
- No cashback or rewards program
- $50 chargeback fee with 3–6 month dispute resolution timeline
- Custodial model — funds can be frozen for compliance checks
- Trustpilot score ~3.2/5; support can be slow on complex issues
- US, Mainland China, Singapore and other regions excluded
- Physical card delivery restricted in some countries
Verdict
Choose Bybit Card if you’re an active Bybit trader in the EEA with VIP status that unlocks meaningful cashback rates. The direct Bybit Funding Account integration means your trading balance doubles as your card balance — no separate top-up process, no additional conversion fees for existing exchange users.
Choose RedotPay if you need transaction limits that Bybit Card can’t accommodate, or want high-volume crypto card access without being tied to a single exchange ecosystem. RedotPay’s $100K per-transaction ceiling and 20+ supported assets serve traders who outgrow typical prepaid card limits regardless of which platforms they use.
Volume and geography together decide this comparison. Bybit Card is EEA-focused and rewards-driven — its value peaks for high-tier Bybit traders inside Europe. RedotPay is globally accessible and limit-driven — its value peaks for high-volume spenders anywhere in the world who need capacity over cashback. Outside the EEA or below Bybit VIP tier, RedotPay’s flexibility wins. Inside the EEA at high Bybit VIP levels, the cashback edge goes to Bybit Card.