Bybit Card vs PENGU Card
Crypto native
Crypto native
Verdict
- PENGU Card scores higher overall (7.3 vs 7.2 out of 10).
- Bybit Card is clearly stronger on: Custody & security.
- PENGU Card is clearly stronger on: Fees, 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: Custody & security
PENGU Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, 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 | PENGU Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 51 |
| Availability | 100 | 100 |
| FX & international | 80 | – |
| Product features | – | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | – |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 6.7 |
| Best for Travel | 7.5 | 6.7 |
| Best for DeFi Users | 6.3 | 6.5 |
| Best for High Spenders | 6.0 | 6.2 |
| Best for Low Fees | 8.2 | 8.0 |
| Best for Beginners | 7.5 | 8.4 |
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
Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialShow source
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
KASTShow 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
FreeConditions apply: tap or hover for detailsShow source
Free tier; $1,000/year and $10,000/year tiers
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
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)
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
1.5%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
3%Conditions apply: tap or hover for detailsShow source
$10,000/year tier
Interest on balance
12%Conditions apply: tap or hover for detailsShow source
Up to; Reserve account, 8% on Free tier
Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Credit & financing
Credit line
NoShow 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
170+ countries
Not available in
United StatesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow 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
PENGU Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers