Bybit Card vs Wirex Card
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- Bybit Card is clearly stronger on: Cashback & rewards.
- 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
Wirex Card is a good fit for
- No specific audience can be derived from the published data yet.
Score by criterion
| Criterion | Bybit Card | Wirex Card |
|---|---|---|
| Fees | 76 | – |
| Cashback & rewards | 48 | 25 |
| Availability | 100 | – |
| FX & international | 80 | – |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | 30 | – |
| Limits & ATM | 62 | – |
| Transparency | 79 | – |
| Best for Cashback | 6.1 | 3.7 |
| Best for Travel | 7.2 | n/a |
| Best for DeFi Users | 5.3 | n/a |
| Best for High Spenders | 5.8 | n/a |
| Best for Low Fees | 7.6 | n/a |
| Best for Beginners | 6.8 | n/a |
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: X-tras pricing: plans and tiers
Official pricing / fee schedule (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%
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%
Tiers / plans
Standard · Premium (€9.99/month or €102/year) · Elite (€29.99/month or €306/year)*Show source
Tiers / plans: Standard · Premium (€9.99/month or €102/year) · Elite (€29.99/month or €306/year)
Each plan has sub-tiers unlocked by locking WXT for 180 days
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Each plan has sub-tiers unlocked by locking WXT for 180 days
Fees
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
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%
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
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)
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
Other fees & markups
Card issuance or replacement fees may apply depending on region · Blockchain network fee on crypto withdrawalsShow source
Other fees & markups: Card issuance or replacement fees may apply depending on region · Blockchain network fee on crypto withdrawals
Source: Benefits of the Wirex card explained
Official help center / FAQ (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
0.5%*Show source
Base cashback: 0.5%
Standard plan, Entry tier
Source states (paraphrased): Standard Entry tier offers 0.5% Cryptoback on card purchases.
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard plan, Entry tier
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
8%*Show source
Max cashback: 8%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Source states (paraphrased): Elite Ultimate tier reaches 8% Cryptoback.
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
WXTShow source
Cashback paid in: WXT
Source: Wirex's Cryptoback™ rewards explained
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Wirex's Cryptoback™ rewards explained
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
Monthly caps: 20,000 WXT (Standard), 100,000 WXT (Premium), 250,000 WXT (Elite) · Per-transaction caps: 250 / 1,500 / 9,000 WXT · Rates vary by region, plan, tier and merchant categoryShow source
Cashback conditions: Monthly caps: 20,000 WXT (Standard), 100,000 WXT (Premium), 250,000 WXT (Elite) · Per-transaction caps: 250 / 1,500 / 9,000 WXT · Rates vary by region, plan, tier and merchant category
Source: Cryptoback™ FAQ
Official help center / FAQ (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
Yes*Show source
Staking / holding required for top rewards: Yes
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
WXTShow source
Staking asset: WXT
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward exclusions
Cash withdrawals · TransfersShow source
Reward exclusions: Cash withdrawals · Transfers
Source: Cryptoback™ FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
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
Wirex Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers