Bybit Card vs Nebeus Card
Crypto native
Crypto enabled
Verdict
- Bybit Card scores higher overall (7.2 vs 5.3 out of 10).
- Bybit Card is clearly stronger on: Cashback & rewards, Custody & security.
- Nebeus Card 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: Cashback & rewards, Custody & security
Nebeus Card is a good fit for
- No specific audience can be derived from the published data yet.
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 | Nebeus Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 3 |
| Availability | 100 | – |
| FX & international | 80 | – |
| Product features | – | 53 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 3.7 |
| Best for Travel | 7.5 | n/a |
| Best for DeFi Users | 6.3 | n/a |
| Best for High Spenders | 6.0 | 3.9 |
| Best for Low Fees | 8.2 | 8.0 |
| Best for Beginners | 7.5 | 6.7 |
| Best E-Money Card | n/a | 6.8 |
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 cardConditions apply: tap or hover for detailsShow source
Pays from the Nebeus current accounts; no own balance
Network
MastercardShow source
MastercardShow 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 fiat and crypto accounts held at Nebeus
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Tiers / plans
Free · Plus · ProShow 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
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Plus and Pro prices not stated
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
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
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
Payments from an account in another currency are converted at the Nebeus sell rateShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
0%Conditions apply: tap or hover for detailsShow source
Free plan
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
1%Conditions apply: tap or hover for detailsShow source
Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account
Cashback paid in
EURShow source
Cashback type
FiatShow source
Max cashback per month
€50/monthConditions apply: tap or hover for detailsShow source
Pro plan; Plus €20
Cashback conditions
Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Reward exclusions
Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
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
Not available in
United StatesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
Virtual card
YesShow 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
Nebeus Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers