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Bybit Card vs Tangem Pay

Bybit Card

Crypto native

6.6
Get the card
Tangem Pay

Crypto native

4.7
Get the card

Verdict

  • Bybit Card scores higher overall (6.6 vs 4.7 out of 10).
  • Bybit Card is clearly stronger on: Cashback & rewards, Availability, FX & international, Limits & ATM.
  • Tangem Pay is clearly stronger on: Fees.
  • 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: Cashback & rewards, Availability, FX & international, Limits & ATM

Tangem Pay is a good fit for

  • Stablecoin holders

Stronger on: Fees

Score by criterion

CriterionBybit CardTangem Pay
Fees76100
Cashback & rewards4824
Availability1003
FX & international8040
Product features––
Custody & security––
Credit & financing30–
Limits & ATM6220
Transparency7979
Best for Cashback6.13.9
Best for Travel7.24.4
Best for DeFi Users5.3n/a
Best for Stablecoinsn/a5.8
Best for High Spenders5.84.4
Best for Low Fees7.67.0
Best for Beginners6.85.6

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%

ActiveShow source

Product status: Active

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

No data yet

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%

VisaShow source

Network: Visa

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card issuer / program manager

No data yet
Rain (separate card program)Show source

Card issuer / program manager: Rain (separate card program)

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Tiers / plans

No data yet
Basic (free) · Plus ($29.99/month, waitlist) · PrestigeShow source

Tiers / plans: Basic (free) · Plus ($29.99/month, waitlist) · Prestige

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Fees

Monthly fee

No data yet
Free*Show source

Monthly fee: Free

Basic tier; Plus $29.99/month

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Basic tier; Plus $29.99/month

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

No data yet

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%

1.5%*Show source

FX fee: 1.5%

Up to; Tangem pages show 1% and 1.5%

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Up to; Tangem pages show 1% and 1.5%

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

No data yet

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)

4%*Show source

ATM fee: 4%

Basic tier; 2% on Plus

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Basic tier; 2% on Plus

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

No data yet

Other fees & markups

No data yet
Polygon gas when topping up with cryptoShow source

Other fees & markups: Polygon gas when topping up with crypto

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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

1%*Show source

Base cashback: 1%

Basic tier; minimum $30 per transaction; monthly cap applies

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Basic tier; minimum $30 per transaction; monthly cap applies

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%

Plus tier ($29.99/month)

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Plus tier ($29.99/month)

Cashback paid in

No data yet
USDCShow source

Cashback paid in: USDC

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback type

No data yet
StablecoinShow source

Cashback type: Stablecoin

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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

No data yet

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%

No data yet

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

United States*Show source

Available in: United States

Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)

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%

No data yet

Features

Spend stablecoins

No data yet
YesShow source

Spend stablecoins: Yes

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Blockchains

No data yet
PolygonShow source

Blockchains: Polygon

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Annual cost at 1,500 EUR/month

Bybit Card

  • Annual & monthly feesunknown
  • FX costs−18 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual valuenot enough data

Tangem Pay

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−48 EUR
  • Cashback+180 EUR
  • Net annual value78 EUR

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

More Bybit Card comparisons

More Tangem Pay comparisons