Gemini Credit Card vs Bybit Card APAC
On cashback Bybit Card APAC wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Gemini Credit Card does better (0% vs 0.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Gemini Credit Card and Bybit Card APAC.
| Gemini Credit Card | Bybit Card APAC | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.3 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard World Elite | Mastercard |
| Card type | Revolving credit | — |
| APR | 16.49%–34.49% | — |
| Issuance fee | Free | €5 |
| Annual fee | Free | Free |
| Free ATM limit | Cash advance fee | $3.000/giorno |
| ATM withdrawal | Free | 2% |
| FX markup | 0% | 0.5% |
| Cashback | 4% in 50+ cryptocurrencies · Nessuno | 10% in BTC o USDC · Nessuno |
| On-chain settlement | No | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 3/10 | 2/10 |
| Supported countries | US · 1+ countries | APAC, LATAM · 10+ countries |
| Funding / solidity | Gemini, exchange con sede a New York · 13M+ utenti | — |
| Regulator | NYDFS; SEC (public company); EU member state regulators | Austria FMA; Dubai VARA; UAE SCA |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Past incidents | Gemini Earn collapse (2022-2023): partner Genesis halted withdrawals, ~$1.8B frozen; customers later made whole · NYDFS settlement (2024): $37M fine for compliance failures · CFTC settlement (2025): $5M fine for misleading statements about bitcoin futures | February 2025: ~$1.5B breach (the largest crypto theft in history), attributed to the Lazarus Group; Bybit made customer funds whole. |
| Fund custody | — | Custodial (platform holds funds) |
| Regions | US | APAC, LATAM |
| Licences & safety | NYDFS | MiCAR (CASP); VARA VASP; SCA Virtual Asset Platform Operator |
Frequently asked questions
Gemini Credit Card vs Bybit Card APAC: which is better?
On cashback Bybit Card APAC wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Gemini Credit Card does better (0% vs 0.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Gemini Credit Card and Bybit Card APAC.
Which is cheaper, Gemini Credit Card or Bybit Card APAC?
On the standard spending profile Gemini Credit Card has the lowest net annual cost: €0 versus €0 for Bybit Card APAC.
Which offers more cashback, Gemini Credit Card or Bybit Card APAC?
Bybit Card APAC has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is Gemini Credit Card custodial or self-custody?
Gemini Credit Card is custodial: funds are held by the platform, while Bybit Card APAC is custodial.
Which is better for spending abroad?
For foreign-currency spending Gemini Credit Card wins, with the lowest FX markup: 0%.