Bybit is one of the world’s top three cryptocurrency exchanges by trading volume, and its Bybit Card allows users to spend directly from their exchange account balance globally. Compared to other crypto debit cards, Bybit Card’s advantage is that funds flow directly within the exchange without withdrawal and recharge steps, making the process more streamlined.
Bybit Card Overview
Bybit Card is a crypto debit card co-issued by Bybit and Visa:
- Instant deduction on spending: Real-time deduction from your Bybit account balance when swiping, supporting USDT, USDC, and fiat currency balances
- Global usability: Works at any Visa-approved merchants, including physical stores, online shopping, and ATMs
- Virtual card instant activation: Receive your card number immediately after approval for online purchases and mobile payment binding
- Physical card shipping: Option to request a physical card mailed to your address
- Cashback rewards: Cardholders in certain regions may receive cashback rewards (see official website for details)
Application Requirements
- Bybit registered account
- Completed KYC identity verification (passport or ID card)
- Supported region (mainland China users need a Hong Kong ID or other regional credential, or apply based on your current residence)
- Account balance (USDT/USDC or fiat currency)
Bybit’s availability varies by region. We recommend registering with your actual residence location and using a valid ID from that region for KYC.
Step 1: Register a Bybit Account
Use the following link to register and receive trading fee discounts and rebates:
👉 Bybit Registration (with rebates)
Direct registration link:
https://aff.panshi.io/track?id=bybit&ref=/posts/bybit-ucard-guide/
Registration steps:
- Enter email or phone number
- Set a password
- Enter invitation code (automatically filled if using the link above)
- Complete email/SMS verification
Step 2: Complete KYC Verification
Path: Home → Profile Avatar → Identity Verification
Verification levels:
| Level | Requirements | Limit |
|---|---|---|
| Lv.1 Basic Verification | Name + ID number | ~$20,000 daily withdrawals |
| Lv.2 Advanced Verification | ID photos + facial recognition | ~$100,000 daily withdrawals |
Applying for Bybit Card requires completing at least Lv.2 Advanced Verification.
Verification steps:
- Select document type (passport or ID card)
- Upload clear photos of both sides of your document (clear, no glare, all four corners visible)
- Complete facial liveness detection (look straight at camera, slowly turn head left and right)
- Submit for review
Verification typically completes within 30 minutes; during peak times it may take 1-2 business days.
Step 3: Apply for Bybit Card
Path: Home → More → Bybit Card → Apply Now
Or search “Card” directly at the top of the app.
Choose card type:
| Type | Description |
|---|---|
| Virtual Card | Instant activation, for online shopping and binding Apple/Google Pay |
| Physical Card | Mailed to your address, better for in-store purchases, 7-21 business days delivery |
Complete application information:
- Confirm name (must match KYC info)
- Select linked account (funding account or unified trading account)
- For physical card, enter shipping address
- Pay card opening fee (deducted from account balance, pricing per official website)
Virtual card approval typically completes within minutes after submission.
Step 4: Fund Your Bybit Card
Bybit Card is directly linked to your Bybit account balance—no separate funding step is needed—as long as you have USDT/USDC in your account, it will be deducted automatically when you swipe.
If your account balance is insufficient, deposit from an external source to Bybit:
Deposit path: Assets → Deposit → Select currency and network
Common deposit networks:
- USDT-TRC20: Lowest fees (~$1 or less)
- USDT-BEP20: Low fees, BSC network
- USDT-ERC20: Higher fees, Ethereum network
Once the deposit arrives, your account balance is ready for card spending.
Daily Usage
Online Shopping / Virtual Card
View your virtual card number, expiration date, and CVV in the app, then enter this information at any Visa-supported checkout page.
Link to Apple Pay / Google Pay
Open your Wallet app → Add card → Enter virtual card details, or directly scan the card QR code in the app.
In-Store Purchases (Physical Card)
Same as a regular bank card—insert or use NFC payment; the POS terminal displays Visa as supported.
Spending Exchange Rate
Bybit Card converts crypto to local fiat using Visa’s network rate during spending, typically close to the market mid-price.
Fee Schedule
| Fee Item | Amount |
|---|---|
| Virtual card opening fee | Free or minimal (per official website) |
| Physical card opening fee | ~$10-20 (per official website) |
| Monthly management fee | None (active accounts) |
| Spending fee | ~0-2% (per official fee schedule) |
| ATM withdrawal | ~$2-5 + percentage fee |
| Cross-border fee | ~1.5% (certain regions) |
Rates are per Bybit’s official website and subject to policy changes.
Security Settings Recommendations
- Enable two-factor authentication (2FA): Go to Security Center and enable Google Authenticator
- Enable transaction notifications: Get real-time alerts on every purchase; detect anomalies within 30 seconds
- Set spending limits: Restrict daily spending ceiling in card settings
- Freeze/unfreeze function: One-click freeze in the app when not in use to prevent unauthorized charges
Bybit Card vs SafePal U Card
| Comparison | Bybit Card | SafePal U Card |
|---|---|---|
| Fund source | Direct from Bybit account balance | Requires separate card account funding |
| Best for | Active Bybit traders | Users with assets across multiple platforms |
| Account setup difficulty | Medium (requires Bybit KYC) | Medium (requires SafePal KYC) |
| Cashback | Available in certain regions | Available in certain regions |
| Brand | Exchange-issued | Professional wallet brand |
Both offer similar features; choose based on where your main assets are held.
Summary
Bybit Card’s biggest convenience is direct spending from account assets without extra withdrawal-deposit steps, ideal for active Bybit users. The entire application process is online, and virtual cards are ready to use within minutes after KYC approval.
👉 Register with Bybit now (with rebates)
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