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Bybit Card vs Oppi Wallet Virtual Card

Bybit Card

Crypto native

7.2
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Oppi Wallet Virtual Card

Crypto native

7.1
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Verdict

  • Bybit Card scores higher overall (7.2 vs 7.1 out of 10).
  • Bybit Card is clearly stronger on: FX & international.
  • Oppi Wallet Virtual Card is clearly stronger on: Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bybit Card is a good fit for

  • Frequent travellers

Stronger on: FX & international

Oppi Wallet Virtual Card is a good fit for

  • People who want to keep control of their keys

Stronger on: Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBybit Card vs ether.fi CashOppi Wallet Virtual Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBybit CardOppi Wallet Virtual Card
Fees8897
Cashback & rewards48–
Availability100100
FX & international8020
Product features–70
Custody & security7580
Credit & financing30–
Limits & ATM62–
Transparency86100
Best for Cashback6.5n/a
Best for Travel7.55.6
Best for Self-Custodyn/a7.2
Best for DeFi Users6.36.9
Best for High Spenders6.0n/a
Best for Low Fees8.27.1
Best for Beginners7.58.5

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
Prepaid cardShow source

Network

MastercardShow source
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Self-custodyConditions apply: tap or hover for detailsShow source

Self-custody wallet until crypto is loaded onto the card

Card issuer / program manager

Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

No application or annual fee; other fees such as exchange fees may apply

FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

€5Conditions apply: tap or hover for detailsShow source

Issuance fee, payable in EUR or USDT

$100Show source

Virtual card fee

No data yet
$10Conditions apply: tap or hover for detailsShow source

$5 credited back to the card

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

2 to 2.5%

Crypto conversion fee

0.9%Conditions apply: tap or hover for detailsShow source

On top of the spot rate

No data yet

ATM fee

2% (min. $1)Conditions apply: tap or hover for detailsShow source

On monthly withdrawals above €100 (EEA)

No data yet

Free ATM allowance

€100/monthConditions apply: tap or hover for detailsShow source

EEA

No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Non-VIP users, no monthly cap

No data yet

Max cashback

10%Conditions apply: tap or hover for detailsShow source

Up to; marketing claim, tier based on total Bybit portfolio value

No data yet

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

Tiers depend on portfolio value instead

No data yet

Credit & financing

Credit line

NoShow source
No data yet

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

210+ countries, eligibility checked at signup

Not available in

United StatesShow source
No data yet

Account / spend currencies

No data yet
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source

Top-up assets

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

No data yet
YesShow source

Virtual card

No data yet
YesShow source

Spendable assets

No data yet
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source

and other supported crypto

Blockchains

No data yet
Ethereum · BSC · Polygon · TRON · SolanaConditions apply: tap or hover for detailsShow source

From comparison table

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
No data yet

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

Oppi Wallet Virtual Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bybit Card comparisons

More Oppi Wallet Virtual Card comparisons