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.

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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
发卡机构 Moorwand Ltd (UK) / Harmoniie SAS (EEA) Tevau (VISA HK licensed partner)
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 180+ countries globally
需要进行 KYC 认证 Yes — full KYC + address verification Yes — minimal for virtual card; full KYC for higher limits & physical card
监护模式 Custodial (Bybit Funding Account) Custodial (Tevau wallet)
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 Platinum, Dgrid, Canza CMC Diamond, Plastic, Metal
法定货币 EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC USD, EUR, IDR, HKD
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 $10
外汇手续费 1% 至 7% 1.2%
ATM取款手续费 Free up to $100/month; 2% thereafter 1.9%
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 Min. $1 for Virtual Card Only
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 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 特瓦乌幸运盒
返现代币 未知 1000 pts = $1
特别福利 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)
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 Earn yield Daily
移动应用控制 Yes (freeze/unfreeze, spending limits, category toggles) Yes (freeze, replace, track spending)
安全控制 EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant Card controls, risk monitoring, real-time transaction alerts

限制

单笔交易限额 $1,000 to $13,500 (depends on region) $1,000,000
每日消费限额 $5,000 to $15,000 (depends on region) $3,000,000
每月消费限额 $10,000 to $65,000 (depends on region) $3,000,000
ATM每日限额 €2,000 to $3,000 (depends on region) $10,000
ATM月度限额 $1,800 to $10,000 (depends on region) $100,000
充值最低限额 $10 $10
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, email, Telegram
响应时间 Generally responsive within 24 hours; limit increase reviews up to 7 business days Slow — hours to several days; delays commonly reported
支持的语言 Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others English, Chinese (limited regional languages)
知识库 Yes — bybit.com/en/help-center Yes —tevau.tawk.help
退款处理 Standard Mastercard chargeback process; card disputes handled via Bybit support Auto process 30-60 days
用户评价 Positive for card specifically Mixed — fast KYC and low fees praised; support quality and merchant declines criticised
信任评分 ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive ~3.5/5 (external review aggregate)

立即订购

卡片类型 Virtual (incl. Lite) & Physical Virtual & Physical (Plastic / Metal)
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 Virtual: Hours to 2 days (after KYC); Physical: Varies by region
奖励优惠 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)
卡片递送时间 Virtual: Instant after approval; Physical: 7–14 days (varies by region) Virtual: Instant after approval; Physical: Varies (some regions report shipping delays)
区域警告 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 卡

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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

特瓦乌

Get Tevau

关键事实

卡网络 Visa
加密货币支持 USDT，USDC
发卡机构 Tevau (VISA HK licensed partner)
卡片类型 虚拟的，实体的
可用性 180+ countries globally
需要进行 KYC 认证 Yes — minimal for virtual card; full KYC for higher limits & physical card
监护模式 Custodial (Tevau wallet)
卡片有效期 3年
卡牌等级 Platinum, Dgrid, Canza CMC Diamond, Plastic, Metal
法定货币 USD, EUR, IDR, HKD
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 $10
外汇手续费 1.2%
ATM取款手续费 1.9%
加密货币转换费 自由的
补卡费用 Repurchase new card
不活跃费用 Min. $1 for Virtual Card Only
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 是的
Google Pay 是的
ATM取款 是的
奖励计划 特瓦乌幸运盒
返现代币 1000 pts = $1
特别福利 Tevau Earn — up to 4.49% APR on idle USDT (no lock-in, hourly payout)
订阅返利 不
收入 Yes — USDT Earn yield Daily
移动应用控制 Yes (freeze, replace, track spending)
安全控制 Card controls, risk monitoring, real-time transaction alerts

限制

单笔交易限额 $1,000,000
每日消费限额 $3,000,000
每月消费限额 $3,000,000
ATM每日限额 $10,000
ATM月度限额 $100,000
充值最低限额 $10
充值上限 无限

客户服务

支持渠道 In-app chat, email, Telegram
响应时间 Slow — hours to several days; delays commonly reported
支持的语言 English, Chinese (limited regional languages)
知识库 Yes —tevau.tawk.help
退款处理 Auto process 30-60 days
用户评价 Mixed — fast KYC and low fees praised; support quality and merchant declines criticised
信任评分 ~3.5/5 (external review aggregate)

立即订购

卡片类型 Virtual & Physical (Plastic / Metal)
最低充值 $10
审批时间 Virtual: Hours to 2 days (after KYC); Physical: Varies by region
奖励优惠 Tevau Earn — up to 4.49% APR on idle USDT (no lock-in)
卡片递送时间 Virtual: Instant after approval; Physical: Varies (some regions report shipping delays)
区域警告 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 (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

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 180+ 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.

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