Bybit 卡
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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关键事实
| 卡网络 | Visa, Mastercard | Visa |
|---|---|---|
| 加密货币支持 | BTC、ETH、USDT、USDC、XRP、TON、MNT | USDT、USDC、BTC、ETH |
| 发卡机构 | Moorwand Ltd (UK) / Harmoniie SAS (EEA) | Billionaire Finance Limited (Hong Kong; FINTRAC Canada, VASP Poland registered) |
| 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 | Global — 100+ countries (HK-issued Visa; restricted jurisdictions apply) |
| 需要进行 KYC 认证 | Yes — full KYC + address verification | Minimal KYC for virtual; Full KYC for physical |
| 监护模式 | Custodial (Bybit Funding Account) | 保管 |
| 卡片有效期 | 3年 | 3 years ; free replacement on expiry |
| 卡牌等级 | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP | Standard / Premium (personal and business card segments) |
| 法定货币 | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC | HKD, USD, EUR |
| 支持的设备 | iOS、Android、网页 | iOS、Android、网页 |
定价与费用
| 虚拟卡费用 | 自由的 | $5 |
|---|---|---|
| 实体卡费用 | $5 | $88 |
| 年费 | 自由的 | 自由的 |
| 充值费 | 自由的 | 自由的 |
| 最低充值额 | $0 | $0 |
| 外汇手续费 | 1% 至 7% | 1% |
| ATM取款手续费 | Free up to $100/month; 2% thereafter | 2% |
| 加密货币转换费 | 0.9% | 1% |
| 补卡费用 | $5 | $50 |
| 不活跃费用 | 自由的 | $0 |
| 交易费 | 自由的 | 1% |
| 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 | 是的 |
| Google Pay | 是的 | 是的 |
| ATM取款 | 是的 | 是的 |
| 奖励计划 | 是的——2% 至 10% 分级返现 | 无专属返现计划；推荐/节点计划最高可获 50% 佣金。 |
| 返现代币 | 未知 | 不 |
| 特别福利 | 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 |
| 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 (one-click card lock, 3DS toggle, combined payment settings) |
| 安全控制 | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant | 3D Secure (3DS), one-click card lock, data encryption, CVV protection |
限制
| 单笔交易限额 | $1,000 to $13,500 (depends on region) | 100,000HKD |
|---|---|---|
| 每日消费限额 | $5,000 to $15,000 (depends on region) | 100,000HKD |
| 每月消费限额 | $10,000 to $65,000 (depends on region) | 未知 |
| ATM每日限额 | €2,000 to $3,000 (depends on region) | HKD 5,000 max.5 withdrawals |
| ATM月度限额 | $1,800 to $10,000 (depends on region) | 未知 |
| 充值最低限额 | $10 | — |
| 充值上限 | 无限 | — |
| 充值最低限额 | — | 0.1 HKD |
| 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 | In-app chat, email, phone, telegram, FAQ portal |
|---|---|---|
| 响应时间 | Generally responsive within 24 hours; limit increase reviews up to 7 business days | Within 24 hours (email); variable —fast response speed support |
| 支持的语言 | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others | Chinese (primary), English (Traditional Chinese for support) |
| 知识库 | Yes — bybit.com/en/help-center | Yes — FAQ and guides at pokepay.cc |
| 退款处理 | Standard Mastercard chargeback process; card disputes handled via Bybit support | Standard Visa refund: 3–7 working days (merchant) + 2–4 days Visa network processing |
| 用户评价 | Positive for card specifically | Trustpilot 3.7/5; Google Play 3.5/5 (185 reviews, 10K+ downloads); limited independent review history |
| 信任评分 | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive | 3.7/5 (Trustpilot); regulated by FINTRAC Canada and VASP Poland |
立即订购
| 卡片类型 | Virtual (incl. Lite) & Physical | Virtual or Physical |
|---|---|---|
| 最低充值 | No separate card top-up minimum; €100 initial account funding required (EEA) | 0.1 HKD min. top-up; virtual card activation from $5 |
| 审批时间 | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases | 10 minutes after KYC |
| 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: 10–30 working days (shipped from Greater Bay Area) |
| 区域警告 | 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 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 |
PokePay
Get PokePay关键事实
| 卡网络 | Visa |
|---|---|
| 加密货币支持 | USDT、USDC、BTC、ETH |
| 发卡机构 | Billionaire Finance Limited (Hong Kong; FINTRAC Canada, VASP Poland registered) |
| 卡片类型 | 虚拟的，实体的 |
| 可用性 | Global — 100+ countries (HK-issued Visa; restricted jurisdictions apply) |
| 需要进行 KYC 认证 | Minimal KYC for virtual; Full KYC for physical |
| 监护模式 | 保管 |
| 卡片有效期 | 3 years ; free replacement on expiry |
| 卡牌等级 | Standard / Premium (personal and business card segments) |
| 法定货币 | HKD, USD, EUR |
| 支持的设备 | iOS、Android、网页 |
定价与费用
| 虚拟卡费用 | $5 |
|---|---|
| 实体卡费用 | $88 |
| 年费 | 自由的 |
| 充值费 | 自由的 |
| 最低充值额 | $0 |
| 外汇手续费 | 1% |
| ATM取款手续费 | 2% |
| 加密货币转换费 | 1% |
| 补卡费用 | $50 |
| 不活跃费用 | $0 |
| 交易费 | 1% |
| 退款手续费 | 自由的 |
卡片功能
| 虚拟卡 | 是的 |
|---|---|
| 实体卡 | 是的 |
| Apple Pay | 是的 |
| Google Pay | 是的 |
| ATM取款 | 是的 |
| 奖励计划 | 无专属返现计划；推荐/节点计划最高可获 50% 佣金。 |
| 返现代币 | 不 |
| 特别福利 | HK Alipay & WeChat Pay integration; PayPal, Wise, Netflix, Spotify, ChatGPT Plus support; 0% cross-border fee on HK-issued card |
| 订阅返利 | 不 |
| 收入 | 不 |
| 移动应用控制 | Yes (one-click card lock, 3DS toggle, combined payment settings) |
| 安全控制 | 3D Secure (3DS), one-click card lock, data encryption, CVV protection |
限制
| 单笔交易限额 | 100,000HKD |
|---|---|
| 每日消费限额 | 100,000HKD |
| 每月消费限额 | 未知 |
| ATM每日限额 | HKD 5,000 max.5 withdrawals |
| ATM月度限额 | 未知 |
| 充值最低限额 | 0.1 HKD |
| 充值上限 | 无限 |
客户服务
| 支持渠道 | In-app chat, email, phone, telegram, FAQ portal |
|---|---|
| 响应时间 | Within 24 hours (email); variable —fast response speed support |
| 支持的语言 | Chinese (primary), English (Traditional Chinese for support) |
| 知识库 | Yes — FAQ and guides at pokepay.cc |
| 退款处理 | Standard Visa refund: 3–7 working days (merchant) + 2–4 days Visa network processing |
| 用户评价 | Trustpilot 3.7/5; Google Play 3.5/5 (185 reviews, 10K+ downloads); limited independent review history |
| 信任评分 | 3.7/5 (Trustpilot); regulated by FINTRAC Canada and VASP Poland |
立即订购
| 卡片类型 | Virtual or Physical |
|---|---|
| 最低充值 | 0.1 HKD min. top-up; virtual card activation from $5 |
| 审批时间 | 10 minutes after KYC |
| 奖励优惠 | 不 |
| 卡片递送时间 | Virtual: Instant; Physical: 10–30 working days (shipped from Greater Bay Area) |
| 区域警告 | 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.