Bybit Card vs Pulsar Money Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.1 vs 6.2 out of 10).
- Bybit Card is clearly stronger on: Cashback & rewards, FX & international.
- Pulsar Money Card is clearly stronger on: Fees.
- For 1,500 EUR/month of spend, Bybit Card comes out about 108 EUR a year ahead on base-tier terms.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Pulsar Money Card is a good fit for
- Stablecoin holders
Stronger on: Fees
Score by criterion
| Criterion | Bybit Card | Pulsar Money Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 36 |
| Availability | 100 | – |
| FX & international | 80 | 60 |
| Product features | – | 70 |
| Custody & security | 75 | – |
| Credit & financing | 30 | – |
| Limits & ATM | 62 | 64 |
| Transparency | 79 | 79 |
| Best for Cashback | 6.4 | 5.4 |
| Best for Travel | 7.4 | 6.5 |
| Best for DeFi Users | 6.3 | 5.9 |
| Best for Stablecoins | n/a | 6.7 |
| Best for High Spenders | 6.0 | 5.7 |
| Best for Low Fees | 8.1 | 8.1 |
| Best for Beginners | 7.3 | 6.9 |
Product
Product status
ActiveShow source
Product status: Active
Source: How to get started with Bybit Card on Bybit EU
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Waitlist*Show source
Product status: Waitlist
Early access sign-up
Source states (paraphrased): Sign up for early access and we'll tell you as soon as it goes live.
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Early access sign-up
Card type
Debit cardShow source
Card type: Debit card
Source: Bybit Crypto Debit Card: How It Works
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
Network: Mastercard
Source: Bybit Crypto Debit Card: How It Works
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: https://www.bybit.eu
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Card issuer / program manager: Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)
Source states (paraphrased): Your Bybit Card is issued by Harmoniie SAS, partnering with Moorwand Ltd, pursuant to a licence by Mastercard International held by Moorwand Ltd.
Source: https://www.bybit.eu/en-EU/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Fees
Annual fee
Free*Show source
Annual fee: Free
No application or annual fee; other fees such as exchange fees may apply
Source states (paraphrased): Enjoy all the benefits of your Bybit Card with no upfront or annual fees.
Source: https://www.bybit.eu/en-EU/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No application or annual fee; other fees such as exchange fees may apply
Monthly fee
Free*Show source
Monthly fee: Free
Standard (Free) plan; Pulsar Pro $9.99/month or $99.99/year
Source states (paraphrased): Monthly standard account fee: Free
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard (Free) plan; Pulsar Pro $9.99/month or $99.99/year
Physical card fee
€5*Show source
Physical card fee: €5
Issuance fee, payable in EUR or USDT
Source states (paraphrased): 5 EUR/USDT issuance fee for the Bybit Physical Card.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Issuance fee, payable in EUR or USDT
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No card issuance or monthly fee.
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
0.5%*Show source
FX fee: 0.5%
Marketing pages claim 0%
Source states (paraphrased): Foreign exchange fees of 0.5%.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Marketing pages claim 0%
1%*Show source
FX fee: 1%
Cross-currency card spending; same-currency spending (EUR from EUR, USD from USD) has no Pulsar FX fee; third-party fees may apply
Source states (paraphrased): Cross-currency card spending is 1%, and third-party fees may still apply.
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cross-currency card spending; same-currency spending (EUR from EUR, USD from USD) has no Pulsar FX fee; third-party fees may apply
Crypto conversion fee
0.9%*Show source
Crypto conversion fee: 0.9%
On top of the spot rate
Source states (paraphrased): Crypto conversion fee of 0.9% on top of the spot rate.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
On top of the spot rate
Top-up fee
Free*Show source
Top-up fee: Free
Funding with USDT, USDC or EURC at 1:1, no Pulsar fee
Source states (paraphrased): Fund with stablecoins at no Pulsar fee
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Funding with USDT, USDC or EURC at 1:1, no Pulsar fee
ATM fee
2% (min. $1)*Show source
ATM fee: 2% (min. $1)
On monthly withdrawals above €100 (EEA)
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
On monthly withdrawals above €100 (EEA)
2%*Show source
ATM fee: 2%
After $200 free per month; ATM operator fees may apply
Source states (paraphrased): ATM withdrawals: Free up to $200 per month, then 2%
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After $200 free per month; ATM operator fees may apply
Free ATM allowance
€100/month*Show source
Free ATM allowance: €100/month
EEA
Source states (paraphrased): 2% ATM fee applies only to monthly amounts above 100 EUR in the EEA.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
EEA
$200/month*Show source
Free ATM allowance: $200/month
Per month
Source states (paraphrased): ATM withdrawals: Free up to $200 per month, then 2%
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per month
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Non-VIP users, no monthly cap
Source states (paraphrased): Non-VIP users earn 1% flat cashback on all eligible transactions, no monthly cap.
Source: How to get started with Bybit Card on Bybit EU
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-VIP users, no monthly cap
0.5%*Show source
Base cashback: 0.5%
Free plan, in Pulsar Points: ~0.5% on the first $500 per month, then ~0.25% up to $100,000
Source states (paraphrased): First $500: 5 pts per $10 ~ 0.5% cashback (Free)
Source: https://help.pulsar.money/en/articles/16752652-pulsar-pro
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Free plan, in Pulsar Points: ~0.5% on the first $500 per month, then ~0.25% up to $100,000
Max cashback
10%*Show source
Max cashback: 10%
Up to; marketing claim, tier based on total Bybit portfolio value
Source: Bybit Card Countries: Availability 2026
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 40%
Up to; marketing claim, tier based on total Bybit portfolio value
2%*Show source
Max cashback: 2%
Pulsar Pro ($9.99/month or $99.99/year) on the first $1,000; 4% only in the October 2026 campaign for 100 Pro subscribers
Source states (paraphrased): Earn up to 2% cashback in points on your first $1,000.
Source: https://help.pulsar.money/en/articles/16752652-pulsar-pro
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Pulsar Pro ($9.99/month or $99.99/year) on the first $1,000; 4% only in the October 2026 campaign for 100 Pro subscribers
Cashback type
Points*Show source
Cashback type: Points
Pulsar Points, redeemed as USDC refunds of eligible card transactions
Source states (paraphrased): Points come back as a refund on a transaction you have already made ... the money arrives in USDC.
Source: https://help.pulsar.money/en/articles/16752632-pulsar-points-explained
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Pulsar Points, redeemed as USDC refunds of eligible card transactions
Interest on balance
5.2%*Show source
Interest on balance: 5.2%
~5.2% APY on stablecoins through curated DeFi strategies; variable
Source states (paraphrased): Earn ~5.2% APY on stablecoins through curated DeFi strategies.
Source: Pulsar Money
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
~5.2% APY on stablecoins through curated DeFi strategies; variable
Staking / holding required for top rewards
No*Show source
Staking / holding required for top rewards: No
Tiers depend on portfolio value instead
Source states (paraphrased): Cashback tiers based on total Bybit portfolio value with no staking or lock-up requirement.
Source: Bybit Card Countries: Availability 2026
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Tiers depend on portfolio value instead
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Bybit Crypto Debit Card: How It Works
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
EEA, Switzerland*Show source
Available in: EEA, Switzerland
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
Source: How to get started with Bybit Card on Bybit EU
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 40%
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
Not available in
United StatesShow source
Not available in: United States
Source: Bybit Card Countries: Availability 2026
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Account / spend currencies
USD · EURShow source
Account / spend currencies: USD · EUR
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
Yes*Show source
Physical card: Yes
Plastic and Metal card types listed
Source states (paraphrased): Metal card limits may be increased on request.
Source: https://help.pulsar.money/en/articles/17598741-pulsar-app-limits
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Plastic and Metal card types listed
Virtual card
YesShow source
Virtual card: Yes
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM withdrawals: Free up to $200 per month, then 2%
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
Card spends from the USD or EUR balance funded with stablecoins
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card spends from the USD or EUR balance funded with stablecoins
Spendable assets
USDT · USDC · EURCShow source
Spendable assets: USDT · USDC · EURC
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
EVM networks · Solana · TRONShow source
Blockchains: EVM networks · Solana · TRON
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
Spending limit
$30,000*Show source
Spending limit: $30,000
May depend on account status and card program rules
Source states (paraphrased): Card limits: $30,000 USD
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
May depend on account status and card program rules
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
Regulation / licences: Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEA
Source states (paraphrased): Harmoniie SAS is authorised by the Autorité de Contrôle Prudentiel et de Résolution Banque de France (“ACPR”) (CIB Bank Code 17478) for issuance of electronic money
Source: https://www.bybit.eu/en-EU/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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
Pulsar Money Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value54 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers