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.
Editorial Score
88%
90%
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 | 180+ 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 | None |
| 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) |
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| 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 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 |
Tevau
Get TevauKey Facts
| Card Network | Visa |
|---|---|
| Crypto Support | USDT, USDC |
| Card Issuer | Tevau (VISA HK licensed partner) |
| Card Types | Virtual, Physical |
| Availability | 180+ 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 | None |
| 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 |
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.
Budget-conscious USDT spenders seeking low-fee global Visa access, instant virtual card setup, and minimal KYC friction.
Our Verdict
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.
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 180+ countries with instant virtual issuance — no Bybit account required.
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.
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 (180+ 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
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