Bybit 卡
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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关键事实
| 卡网络 | Visa, Mastercard | Visa |
|---|---|---|
| 加密货币支持 | BTC、ETH、USDT、USDC、XRP、TON、MNT | BTC、ETH、USDT、USDC、SOL、BNB、Sonic、TON、TRX、XRP、SUI |
| 发卡机构 | Moorwand Ltd (UK) / Harmoniie SAS (EEA) | RedotPay (HK-based) |
| 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 | 100+ countries (158 countries supported) |
| 需要进行 KYC 认证 | Yes — full KYC + address verification | Yes — full KYC + AML |
| 监护模式 | Custodial (Bybit Funding Account) | Custodial (Circle & Fireblocks) |
| 卡片有效期 | 3年 | 3年 |
| 卡牌等级 | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP | Virtual, Solana, Nature Emerald Palm,Nature Sunset Dune, Physical |
| 法定货币 | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC | USD, EUR, GBP |
| 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 | $10 |
|---|---|---|
| 实体卡费用 | $5 | $100 |
| 年费 | 自由的 | 自由的 |
| 充值费 | 自由的 | 1% |
| 最低充值额 | $0 | $1 |
| 外汇手续费 | 1% 至 7% | 1.2% |
| 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 | Repurchase new card |
| 不活跃费用 | 自由的 | 自由的 |
| 交易费 | 自由的 | 1% |
| 退款手续费 | 自由的 | >€1 or 0.05%; $50 chargeback fee |
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 | $5 注册奖励 |
| 返现代币 | 未知 | up to 3% for Solana card users |
| 特别福利 | 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 |
| 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 | Yes — USDT & USDC Earning yield Daily |
| 移动应用控制 | Yes (freeze/unfreeze, spending limits, category toggles) | Yes (freeze, lock card, transaction notifications) |
| 安全控制 | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant | PIN protection, biometric auth, real-time transaction monitoring |
限制
| 单笔交易限额 | $1,000 to $13,500 (depends on region) | $100,000 |
|---|---|---|
| 每日消费限额 | $5,000 to $15,000 (depends on region) | $1,000,000 |
| 每月消费限额 | $10,000 to $65,000 (depends on region) | $1,000,000 |
| ATM每日限额 | €2,000 to $3,000 (depends on region) | $3,750 |
| ATM月度限额 | $1,800 to $10,000 (depends on region) | $50,000 |
| 充值最低限额 | $10 | $1 |
| 充值上限 | 无限 | 无限 |
客户服务
| 支持渠道 | 24/7 in-app live chat, ticket/email support, Help Center | In-app chat, Help Center, email, Telegram, Discord |
|---|---|---|
| 响应时间 | 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) |
| 支持的语言 | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others | English, Arabic, French, Portuguese, Simplified Chinese, Spanish |
| 知识库 | Yes — bybit.com/en/help-center | Yes — helpcenter.redotpay.com |
| 退款处理 | Standard Mastercard chargeback process; card disputes handled via Bybit support | $50 chargeback fee; 3–6 month resolution timeline for disputes |
| 用户评价 | Positive for card specifically | Mixed — high-volume users mostly satisfied |
| 信任评分 | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive | 3.2/5 (Trustpilot) |
立即订购
| 卡片类型 | Virtual (incl. Lite) & Physical | Virtual & Physical |
|---|---|---|
| 最低充值 | No separate card top-up minimum; €100 initial account funding required (EEA) | $1 |
| 审批时间 | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases | Virtual: Minutes to hours after KYC; Physical: Standard shipping |
| 奖励优惠 | 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 |
| 卡片递送时间 | Virtual: Instant after approval; Physical: 7–14 days (varies by region) | Virtual: Near-instant post-KYC; Physical: ~5–14 business days (varies by country) |
| 区域警告 | 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 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 |
RedotPay
Get RedotPay关键事实
| 卡网络 | Visa |
|---|---|
| 加密货币支持 | BTC、ETH、USDT、USDC、SOL、BNB、Sonic、TON、TRX、XRP、SUI |
| 发卡机构 | RedotPay (HK-based) |
| 卡片类型 | 虚拟的，实体的 |
| 可用性 | 100+ countries (158 countries supported) |
| 需要进行 KYC 认证 | Yes — full KYC + AML |
| 监护模式 | Custodial (Circle & Fireblocks) |
| 卡片有效期 | 3年 |
| 卡牌等级 | Virtual, Solana, Nature Emerald Palm,Nature Sunset Dune, Physical |
| 法定货币 | USD, EUR, GBP |
| 支持的设备 | iOS、Android、网页 |
定价与费用
| 虚拟卡费用 | $10 |
|---|---|
| 实体卡费用 | $100 |
| 年费 | 自由的 |
| 充值费 | 1% |
| 最低充值额 | $1 |
| 外汇手续费 | 1.2% |
| ATM取款手续费 | 2% |
| 加密货币转换费 | 1% |
| 补卡费用 | Repurchase new card |
| 不活跃费用 | 自由的 |
| 交易费 | 1% |
| 退款手续费 | >€1 or 0.05%; $50 chargeback fee |
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 | $5 注册奖励 |
| 返现代币 | up to 3% for Solana card users |
| 特别福利 | RedotPay Credit (crypto-backed credit line); P2P transfers; high spending limits |
| 订阅返利 | 不 |
| 收入 | Yes — USDT & USDC Earning yield Daily |
| 移动应用控制 | Yes (freeze, lock card, transaction notifications) |
| 安全控制 | PIN protection, biometric auth, real-time transaction monitoring |
限制
| 单笔交易限额 | $100,000 |
|---|---|
| 每日消费限额 | $1,000,000 |
| 每月消费限额 | $1,000,000 |
| ATM每日限额 | $3,750 |
| ATM月度限额 | $50,000 |
| 充值最低限额 | $1 |
| 充值上限 | 无限 |
客户服务
| 支持渠道 | In-app chat, Help Center, email, Telegram, Discord |
|---|---|
| 响应时间 | 1–3 days for complex issues (KYC re-verification may take 3–5 days) |
| 支持的语言 | English, Arabic, French, Portuguese, Simplified Chinese, Spanish |
| 知识库 | Yes — helpcenter.redotpay.com |
| 退款处理 | $50 chargeback fee; 3–6 month resolution timeline for disputes |
| 用户评价 | Mixed — high-volume users mostly satisfied |
| 信任评分 | 3.2/5 (Trustpilot) |
立即订购
| 卡片类型 | Virtual & Physical |
|---|---|
| 最低充值 | $1 |
| 审批时间 | Virtual: Minutes to hours after KYC; Physical: Standard shipping |
| 奖励优惠 | $5 USDC welcome reward for new users for card rebate |
| 卡片递送时间 | Virtual: Near-instant post-KYC; Physical: ~5–14 business days (varies by country) |
| 区域警告 | 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.