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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.
关键事实
卡网络
Visa, Mastercard
Visa, Mastercard
加密货币支持
BTC、ETH、USDT、USDC、XRP、TON、MNT
USDT，USDC
发卡机构
Moorwand Ltd (UK) / Harmoniie SAS (EEA)
METABANK / KAZEFI (multi-issuer aggregator model)
卡片类型
虚拟的，实体的
虚拟的，实体的
可用性
EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific
210+ countries globally
需要进行 KYC 认证
Yes — full KYC + address verification
Minimal KYC for virtual ; Full KYC for physical card
监护模式
Custodial (Bybit Funding Account)
保管
卡片有效期
3年
Virtual: 1 to 3 years; Physical: 5 years
卡牌等级
Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP
KazeGo, KazeDIGI, KazeGen, KazeWay, KazeSky, KazeUp, KazePrime, KazeNoir, KazeOnyx, KazeVita - usage different
法定货币
EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC
美元
支持的设备
iOS、Android、网页
Web
定价与费用
虚拟卡费用
自由的
$25 , $49
实体卡费用
$5
$100–$150
年费
自由的
自由的
充值费
自由的
1.8%–2.2%（虚拟）；2%（物理）
最低充值额
$0
10–15 USDT
外汇手续费
1% 至 7%
1% 至 3%
ATM取款手续费
Free up to $100/month; 2% thereafter
2%
加密货币转换费
0.9%
自由的
补卡费用
$5
Repurchase new card
不活跃费用
自由的
$0
交易费
自由的
自由的
退款手续费
自由的
自由的
卡片功能
虚拟卡
是的
是的
实体卡
是的
是的
Apple Pay
不
Yes (virtual card only — physical card does NOT support Apple Pay)
Google Pay
是的
Yes (virtual card only — physical card does NOT support Google Pay)
ATM取款
是的
是的
奖励计划
是的——2% 至 10% 分级返现
目前尚无官方奖励计划；但有推荐计划。
返现代币
未知
2% Rebate via Aptos network
特别福利
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
订阅返利
Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers)
不
收入
Yes — up to 8% APY via Bybit Earn on idle funds
不
移动应用控制
Yes (freeze/unfreeze, spending limits, category toggles)
Yes (card management, multi-card control via app)
安全控制
EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant
Multi-signature wallets, real-time risk monitoring, strong encryption, 3D Secure (3DS)
限制
单笔交易限额
$1,000 to $13,500 (depends on region)
Up to $10,000 per transaction (varies by tier)
每日消费限额
$5,000 to $15,000 (depends on region)
$50,000/day (standard tier); up to $250,000/day (premium tier)
每月消费限额
$10,000 to $65,000 (depends on region)
$400,000/month (premium tier)
ATM每日限额
€2,000 to $3,000 (depends on region)
$1,500 max 6 withdrawals
ATM月度限额
$1,800 to $10,000 (depends on region)
$15,000
充值最低限额
$10
—
充值上限
无限
—
充值最低限额
—
$10
充值上限
—
$50,000
客户服务
支持渠道
24/7 in-app live chat, ticket/email support, Help Center
Email, Telegram, Freshdesk ticket, FAQ portal
响应时间
Generally responsive within 24 hours; limit increase reviews up to 7 business days
Average — within 48 hours; some reports of slow response
支持的语言
Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others
English (primary), Chinese; Telegram community multilingual
知识库
Yes — bybit.com/en/help-center
Yes — FAQ, pricing guide, user guides at kazepay.io/faq
退款处理
Standard Mastercard chargeback process; card disputes handled via Bybit support
Standard 3–7 business days for merchant refunds; virtual card refunds not guaranteed
用户评价
Positive for card specifically
Mixed — positive for ease of use and global coverage; limited third-party review depth
信任评分
~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive
3.8/5 ; not independently rated on major review platforms; Malaysia-connected team
立即订购
卡片类型
Virtual (incl. Lite) & Physical
Virtual & Physical (Visa / Mastercard — depends on selected card tier)
最低充值
No separate card top-up minimum; €100 initial account funding required (EEA)
10
审批时间
Virtual: Minutes (after KYC); review can take up to 7 working days in some cases
Instant
奖励优惠
Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT
不
卡片递送时间
Virtual: Instant after approval; Physical: 7–14 days (varies by region)
Virtual: Instant; Physical: 7–14 days (varies by country)
区域警告
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 卡
Get Bybit Card →
关键事实
卡网络
Visa, Mastercard
加密货币支持
BTC、ETH、USDT、USDC、XRP、TON、MNT
发卡机构
Moorwand Ltd (UK) / Harmoniie SAS (EEA)
卡片类型
虚拟的，实体的
可用性
EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific
需要进行 KYC 认证
Yes — full KYC + address verification
监护模式
Custodial (Bybit Funding Account)
卡片有效期
3年
卡牌等级
Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP
法定货币
EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC
支持的设备
iOS、Android、网页
定价与费用
虚拟卡费用
自由的
实体卡费用
$5
年费
自由的
充值费
自由的
最低充值额
$0
外汇手续费
1% 至 7%
ATM取款手续费
Free up to $100/month; 2% thereafter
加密货币转换费
0.9%
补卡费用
$5
不活跃费用
自由的
交易费
自由的
退款手续费
自由的
卡片功能
虚拟卡
是的
实体卡
是的
Apple Pay
不
Google Pay
是的
ATM取款
是的
奖励计划
是的——2% 至 10% 分级返现
返现代币
未知
特别福利
100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland)
订阅返利
Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers)
收入
Yes — up to 8% APY via Bybit Earn on idle funds
移动应用控制
Yes (freeze/unfreeze, spending limits, category toggles)
安全控制
EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant
限制
单笔交易限额
$1,000 to $13,500 (depends on region)
每日消费限额
$5,000 to $15,000 (depends on region)
每月消费限额
$10,000 to $65,000 (depends on region)
ATM每日限额
€2,000 to $3,000 (depends on region)
ATM月度限额
$1,800 to $10,000 (depends on region)
充值最低限额
$10
充值上限
无限
客户服务
支持渠道
24/7 in-app live chat, ticket/email support, Help Center
响应时间
Generally responsive within 24 hours; limit increase reviews up to 7 business days
支持的语言
Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others
知识库
Yes — bybit.com/en/help-center
退款处理
Standard Mastercard chargeback process; card disputes handled via Bybit support
用户评价
Positive for card specifically
信任评分
~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive
立即订购
卡片类型
Virtual (incl. Lite) & Physical
最低充值
No separate card top-up minimum; €100 initial account funding required (EEA)
审批时间
Virtual: Minutes (after KYC); review can take up to 7 working days in some cases
奖励优惠
Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT
卡片递送时间
Virtual: Instant after approval; Physical: 7–14 days (varies by region)
区域警告
Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions
KazePay
Get KazePay →
关键事实
卡网络
Visa, Mastercard
加密货币支持
USDT，USDC
发卡机构
METABANK / KAZEFI (multi-issuer aggregator model)
卡片类型
虚拟的，实体的
可用性
210+ countries globally
需要进行 KYC 认证
Minimal KYC for virtual ; Full KYC for physical card
监护模式
保管
卡片有效期
Virtual: 1 to 3 years; Physical: 5 years
卡牌等级
KazeGo, KazeDIGI, KazeGen, KazeWay, KazeSky, KazeUp, KazePrime, KazeNoir, KazeOnyx, KazeVita - usage different
法定货币
美元
支持的设备
Web
定价与费用
虚拟卡费用
$25 , $49
实体卡费用
$100–$150
年费
自由的
充值费
1.8%–2.2%（虚拟）；2%（物理）
最低充值额
10–15 USDT
外汇手续费
1% 至 3%
ATM取款手续费
2%
加密货币转换费
自由的
补卡费用
Repurchase new card
不活跃费用
$0
交易费
自由的
退款手续费
自由的
卡片功能
虚拟卡
是的
实体卡
是的
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取款
是的
奖励计划
目前尚无官方奖励计划；但有推荐计划。
返现代币
2% Rebate via Aptos network
特别福利
Multiple virtual cards on one account; zero inter-user transfer fees; 210+ country coverage; no staking required
订阅返利
不
收入
不
移动应用控制
Yes (card management, multi-card control via app)
安全控制
Multi-signature wallets, real-time risk monitoring, strong encryption, 3D Secure (3DS)
限制
单笔交易限额
Up to $10,000 per transaction (varies by tier)
每日消费限额
$50,000/day (standard tier); up to $250,000/day (premium tier)
每月消费限额
$400,000/month (premium tier)
ATM每日限额
$1,500 max 6 withdrawals
ATM月度限额
$15,000
充值最低限额
$10
充值上限
$50,000
客户服务
支持渠道
Email, Telegram, Freshdesk ticket, FAQ portal
响应时间
Average — within 48 hours; some reports of slow response
支持的语言
English (primary), Chinese; Telegram community multilingual
知识库
Yes — FAQ, pricing guide, user guides at kazepay.io/faq
退款处理
Standard 3–7 business days for merchant refunds; virtual card refunds not guaranteed
用户评价
Mixed — positive for ease of use and global coverage; limited third-party review depth
信任评分
3.8/5 ; not independently rated on major review platforms; Malaysia-connected team
立即订购
卡片类型
Virtual & Physical (Visa / Mastercard — depends on selected card tier)
最低充值
10
审批时间
Instant
奖励优惠
不
卡片递送时间
Virtual: Instant; Physical: 7–14 days (varies by country)
区域警告
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.
