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Bybit Card vs Tevau
Bybit Card and Tevau are both exchange-adjacent custodial cards with no annual fee and strong USDT support — but they’re structured very differently. Tevau is standalone and simple: load USDT, spend globally, earn 4.49% APR on idle balances. Bybit Card is tied to the Bybit exchange ecosystem, with cashback tiers that scale with your VIP level and a geographic focus on the EEA. For Bybit users already on the platform, the card is a natural extension. For everyone else, Tevau’s independence and idle yield make it the more accessible default.
Key Facts
Card Network
Visa, Mastercard
Visa
Crypto Support
BTC, ETH, USDT, USDC, XRP, TON, MNT
USDT, USDC
Card Issuer
Moorwand Ltd (UK) / Harmoniie SAS (EEA)
Tevau (VISA HK licensed partner)
Card Types
Virtual, Physical
Virtual, Physical
Availability
EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific
200+ countries globally
KYC Required
Yes — full KYC + address verification
Yes — minimal for virtual card; full KYC for higher limits & physical card
Custody Model
Custodial (Bybit Funding Account)
Custodial (Tevau wallet)
Card Validity
3 years
3 years
Card Tiers
Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP
Platinum, Dgrid, Canza CMC Diamond, Plastic, Metal
Fiat Currencies
EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC
USD, EUR, IDR, HKD
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
$10
FX Fee
1% to 7%
1.2%
ATM Withdrawal Fee
Free up to $100/month; 2% thereafter
1.9%
Crypto Conversion Fee
0.9%
Free
Card Replacement Fee
$5
Repurchase new card
Inactivity Fee
Free
Min. $1 for Virtual Card Only
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
Tevau Lucky Box
Cashback Token
Unknown
1000 pts = $1
Special Benefit
100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland)
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in, hourly payout)
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 Earn yield Daily
Mobile App Controls
Yes (freeze/unfreeze, spending limits, category toggles)
Yes (freeze, replace, track spending)
Security Controls
EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant
Card controls, risk monitoring, real-time transaction alerts
Limits
Per-Transaction Limit
$1,000 to $13,500 (depends on region)
$1,000,000
Daily Spending Limit
$5,000 to $15,000 (depends on region)
$3,000,000
Monthly Spending Limit
$10,000 to $65,000 (depends on region)
$3,000,000
ATM Daily Limit
€2,000 to $3,000 (depends on region)
$10,000
ATM Monthly Limit
$1,800 to $10,000 (depends on region)
$100,000
Top-up Min. Limit
$10
$10
Top-up Max. Limit
Unlimited
Unlimited
Customer Care
Support Channels
24/7 in-app live chat, ticket/email support, Help Center
In-app chat, email, Telegram
Response Time
Generally responsive within 24 hours; limit increase reviews up to 7 business days
Slow — hours to several days; delays commonly reported
Languages Supported
Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others
English, Chinese (limited regional languages)
Knowledge Base
Yes — bybit.com/en/help-center
Yes —tevau.tawk.help
Refund Handling
Standard Mastercard chargeback process; card disputes handled via Bybit support
Auto process 30-60 days
User Reviews
Positive for card specifically
Mixed — fast KYC and low fees praised; support quality and merchant declines criticised
Trust Score
~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive
~3.5/5 (external review aggregate)
Order Now
Card Type
Virtual (incl. Lite) & Physical
Virtual & Physical (Plastic / Metal)
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
Virtual: Hours to 2 days (after KYC); Physical: Varies by region
Bonus Offer
Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in)
Card Delivery Time
Virtual: Instant after approval; Physical: 7–14 days (varies by region)
Virtual: Instant after approval; Physical: Varies (some regions report shipping delays)
Region Warning
Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions
Not available in some regions (e.g., Bangladesh, Thailand reported issues); check local availability before applying
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
Tevau
Get Tevau →
Key Facts
Card Network
Visa
Crypto Support
USDT, USDC
Card Issuer
Tevau (VISA HK licensed partner)
Card Types
Virtual, Physical
Availability
200+ countries globally
KYC Required
Yes — minimal for virtual card; full KYC for higher limits & physical card
Custody Model
Custodial (Tevau wallet)
Card Validity
3 years
Card Tiers
Platinum, Dgrid, Canza CMC Diamond, Plastic, Metal
Fiat Currencies
USD, EUR, IDR, HKD
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
$10
FX Fee
1.2%
ATM Withdrawal Fee
1.9%
Crypto Conversion Fee
Free
Card Replacement Fee
Repurchase new card
Inactivity Fee
Min. $1 for Virtual Card Only
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
Tevau Lucky Box
Cashback Token
1000 pts = $1
Special Benefit
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in, hourly payout)
Subscription Rebates
No
Earning
Yes — USDT Earn yield Daily
Mobile App Controls
Yes (freeze, replace, track spending)
Security Controls
Card controls, risk monitoring, real-time transaction alerts
Limits
Per-Transaction Limit
$1,000,000
Daily Spending Limit
$3,000,000
Monthly Spending Limit
$3,000,000
ATM Daily Limit
$10,000
ATM Monthly Limit
$100,000
Top-up Min. Limit
$10
Top-up Max. Limit
Unlimited
Customer Care
Support Channels
In-app chat, email, Telegram
Response Time
Slow — hours to several days; delays commonly reported
Languages Supported
English, Chinese (limited regional languages)
Knowledge Base
Yes —tevau.tawk.help
Refund Handling
Auto process 30-60 days
User Reviews
Mixed — fast KYC and low fees praised; support quality and merchant declines criticised
Trust Score
~3.5/5 (external review aggregate)
Order Now
Card Type
Virtual & Physical (Plastic / Metal)
Min Top-up
$10
Approval Time
Virtual: Hours to 2 days (after KYC); Physical: Varies by region
Bonus Offer
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in)
Card Delivery Time
Virtual: Instant after approval; Physical: Varies (some regions report shipping delays)
Region Warning
Not available in some regions (e.g., Bangladesh, Thailand reported issues); check local availability before applying
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
Tevau Pros
Supports USDT directly
Instant virtual card setup
Minimal KYC required for basic access
Accepted globally via Visa (200+ countries)
Low top-up fee (~1%)
Easy app-based card controls (freeze, replace, track)
3-year virtual card validity
Tevau Earn: up to 4.49% APR on idle USDT
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
Tevau Cons
Slow or unresponsive customer support (hours to days)
Frequent transaction declines on Stripe merchants, VPNs, and some hosting sites
No rewards or cashback program
Deposits are non-refundable once loaded to card
Physical card delivery delays in some regions
Not available in some countries (e.g., Bangladesh, Thailand)
Limited crypto support (primarily USDT)
Smaller brand with fewer independent public reviews
Verdict
Choose Tevau if you want a standalone USDT card with no exchange dependency, predictable ~1% top-up fees, and Tevau Earn’s 4.49% APR on idle balances. Available in 200+ countries with instant virtual issuance — no Bybit account required.
Choose Bybit Card if you’re already an active Bybit user, particularly at VIP tier levels where cashback reaches up to 10%. The card draws directly from your Bybit Funding Account — no separate top-up process, no additional fees for existing exchange balances. For high-frequency Bybit traders, this integration removes friction that Tevau can’t replicate.
Exchange dependency is the honest dividing line. Bybit Card’s value is inseparable from your Bybit activity level — at lower tiers the cashback advantage shrinks and the EEA geographic restriction becomes a harder constraint. For users outside Europe or without an active Bybit account, Tevau wins on availability, simplicity, and idle yield. For committed Bybit traders in the EEA, the card earns its place.
