Bybit Card APAC
Bybit · Mastercard
Bybit's APAC card offers up to 10% cashback and a daily ATM limit of $3,000. It is not available in the EEA, UK or US, and applies a 1-2% FX markup outside Australia.
The clause
That 10% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €5 |
| Annual fee | Free |
| Free ATM limit | $3.000/giorno |
| ATM withdrawal | 2% |
| FX markup | 0.5% |
| Cashback | 10% in BTC o USDC · Nessuno |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | APAC, LATAM · 10+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Austria FMA; Dubai VARA; UAE SCA |
| OAM Italy registration | No |
| Segment | B2C |
| Past incidents | February 2025: ~$1.5B breach (the largest crypto theft in history), attributed to the Lazarus Group; Bybit made customer funds whole. |
| MiCA / License status | MiCAR (CASP); VARA VASP; SCA Virtual Asset Platform Operator |
Plans & pricing
Standard APAC
- Price
- Free
- Issuance fee
- €5
- FX markup
- 0.5%
- Cashback
- 2%
- Cashback currency
- BTC o USDC
- Cashback cap
- €5
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $3.000/giorno
- Net annual cost
- Free
- 2% cashback BTC/USDC
- Apple Pay/Google Pay
- Physical card free
Top tier APAC
- Price
- Free
- Issuance fee
- €5
- FX markup
- 0.5%
- Cashback
- 10%
- Cashback currency
- BTC o USDC
- Cashback cap
- €600
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $3.000/giorno
- Net annual cost
- Free
- Up to 10% BTC
Strengths
- $3,000/day ATM limit; up to 10% cashback.
- No notable sovereignty advantage documented.
Weaknesses
- Not available in the EEA/UK/US; 1-2% FX outside Australia.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The rating rewards aggressive cashback of up to 10% in BTC or USDC, a 0.5% base FX rate and a generous $3,000/day ATM limit, with no annual fee. Dampening the score are its unavailability in the EEA, UK and US, the real FX markup that climbs to 1-2% outside Australia, and the exchange's incident history — which for a mainstream user means counterparty risk on a custodial, full-KYC card.
Here the card is worth little: it's custodial, full-KYC, with no on-chain settlement and one of the lowest privacy scores in the category. Up to 10% cashback is attractive but doesn't offset that funds live on the exchange — already hit by a hack — and that every purchase is identified and revocable; there's nothing trustless or censorship-resistant in this model.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Bybit Card APAC, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Google Play ↗
4.4/5
1,416,723 reviews
Score and count from the page's structured data (ratingValue 4.438, ratingCount 1,416,723); the visible label rounds to 4.4. Reviews cover the Bybit app as a whole, not the card specifically.
-
App Store ↗
4.7/5
7,264 reviews
Australia storefront (APAC card market), exact figure via iTunes Lookup API. Reviews cover the Bybit app as a whole, not the card specifically.
Weighted average across 2 public review platforms (1,423,987 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Bybit Card APAC a safe card?
Bybit Card APAC is a custodial card on the Mastercard network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Bybit Card APAC cost?
The card has no annual fee. Issuance costs €4.6. The FX markup is 0.5%. See the tier table for full conditions.
Does Bybit Card APAC offer cashback?
Yes: cashback goes up to 10% in BTC or USDC, depending on the tier.
Is Bybit Card APAC available in Italy?
No, Bybit Card APAC is not currently available in Italy.
Is Bybit Card APAC custodial or self-custody?
Bybit Card APAC uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- chainalysis.com Past incidents Data verified on Jul 10, 2026
- blockeden.xyz Supported currencies Data verified on Jun 14, 2026
- cryptoslate.com Founders Data verified on Jun 14, 2026
Show 2 more sources
- kkinvesting.io Cashback · Staking richiesto Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026