Bybit Card vs XPlace Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.2 vs 6.6 out of 10).
- Bybit Card is clearly stronger on: Cashback & rewards.
- XPlace Card is clearly stronger on: Fees, Credit & financing, 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: Cashback & rewards
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Credit & financing, 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 | XPlace Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 36 |
| Availability | 100 | – |
| FX & international | 80 | – |
| Product features | – | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 5.6 |
| Best for Travel | 7.5 | n/a |
| Best for Self-Custody | n/a | 7.3 |
| Best for DeFi Users | 6.3 | 7.2 |
| 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 | 7.7 |
| Best Crypto Credit Card | n/a | 7.6 |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Debit cardShow source
Debit card, Crypto-backed creditShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)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
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
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
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
USDCShow source
Cashback type
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
Cashback conditions
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show 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
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Liquidation risk
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow 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
Not available in
United StatesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
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
XPlace Card
- Annual & monthly fees+0 EUR
- 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