Bybit Card vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- Bybit Card and WhiteBIT Nova have the same overall score (7.2/10).
- Bybit Card is clearly stronger on: Custody & security.
- WhiteBIT Nova 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
WhiteBIT Nova is a good fit for
- Stablecoin holders
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 | WhiteBIT Nova |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 48 |
| Availability | 100 | 100 |
| FX & international | 80 | – |
| Product features | – | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 6.5 |
| Best for Travel | 7.5 | 6.7 |
| Best for DeFi Users | 6.3 | 6.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 6.0 | 5.8 |
| Best for Low Fees | 8.2 | 8.0 |
| Best for Beginners | 7.5 | 8.3 |
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
Debit cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)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
FreeShow source
Monthly fee
FreeShow source
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeShow source
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
Top-up fee
FreeShow source
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
Other fees & markups
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show 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
Lowest category rate; up to three categories chosen per day
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
BTC or WBTShow source
Cashback type
CryptoShow source
Max cashback per month
€25/monthShow source
Cashback conditions
Up to three categories selected per day: taxi 5%, subscriptions 10%, pets 5%, entertainment and gaming 2%, others 1% · Minimum claim 5 € · Maximum 25 € per monthShow source
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
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
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, UkraineShow source
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
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow 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
WhiteBIT Nova
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers