Bybit Card vs KOSH Global Card
Crypto native
Crypto native
Verdict
- KOSH Global Card scores higher overall (7.3 vs 7.2 out of 10).
- Bybit Card is clearly stronger on: FX & international.
- KOSH Global Card is clearly stronger on: Credit & financing, Transparency.
- For 1,500 EUR/month of spend, Bybit Card comes out about 86 EUR a year ahead on base-tier terms.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: FX & international
KOSH Global Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bybit Card | KOSH Global Card |
|---|---|---|
| Fees | 88 | 96 |
| Cashback & rewards | 48 | 49 |
| Availability | 100 | 100 |
| FX & international | 80 | 20 |
| Product features | – | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 62 | 71 |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 6.6 |
| Best for Travel | 7.5 | 5.9 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.3 | 7.3 |
| Best for Stablecoins | n/a | 6.7 |
| Best for High Spenders | 6.0 | 6.0 |
| Best for Low Fees | 8.2 | 7.4 |
| Best for Beginners | 7.5 | 8.5 |
| Best Crypto Credit Card | n/a | 7.7 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Crypto-backed creditShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No application or annual fee; other fees such as exchange fees may apply
$10/yearShow source
Monthly fee
FreeShow source
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
$100Conditions apply: tap or hover for detailsShow source
Fee table accurate as of September 1, 2025
Virtual card fee
$10Show source
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
2%Conditions apply: tap or hover for detailsShow source
Plus US $0.30 per international transaction; product page advertises 1.5% FX
Crypto conversion fee
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
$1 + 1%Conditions apply: tap or hover for detailsShow source
Plus FX if applicable; $1 balance enquiry and $1 decline fees
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Other fees & markups
International transaction fee US $0.30 + 2% FX · ATM balance enquiry US $1 · ATM decline US $1 · Copying fee US $10 · Late payment US $30 first, US $40 subsequentShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
1%Conditions apply: tap or hover for detailsShow source
Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
5%Conditions apply: tap or hover for detailsShow source
Hotel bookings only; rates subject to rewards program terms
Cashback type
PointsShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Page states 4 to 6% here but "up to 4%" in footer; savings product, not card
Cashback conditions
Multipliers apply only up to a monthly points-eligible spend limit shown in app · Cashback credited as KOSH Rewards, must be claimed to card above a minimum · Rewards reversed on refunds/chargebacksShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Reward expiry / vesting
Points: no general expiry while account open; campaign points/KOSH Rewards may expire per campaign; all rewards forfeited on account closureShow source
Reward exclusions
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals collateral market value (1:1)
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
Issuer reserves right to introduce interest in the future
Grace period
Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
Liquidation risk
YesShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
GlobalConditions apply: tap or hover for detailsShow source
Used in 90+ countries
Not available in
United StatesShow source
United StatesConditions apply: tap or hover for detailsShow source
International terms for non-US persons; separate US terms exist
Account / spend currencies
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Virtual USD, EUR, GBP, AED and SWIFT accounts
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC and USDT balance
Spendable assets
USD · USDCConditions apply: tap or hover for detailsShow source
Card collateralized by KOSH USD balance; USDC can be added
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Security & custody
Regulation / licences
Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEAShow source
Annual cost at 1,500 EUR/month
Bybit Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value162 EUR
KOSH Global Card
- Annual & monthly fees−9 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+180 EUR
- Net annual value76 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers