# Bybit Card

> CEX-funded Mastercard prepaid — Beta tier ($500/mo) easy to maintain: ~$50/mo cap on USDT cashback + 100% on ChatGPT/Netflix/Spotify/Prime/TradingView (may share the cap). Heavy KYC.

**Canonical URL:** https://www.xmr.club/cards/bybit-card
**Locales:** https://www.xmr.club/llm/cards/bybit-card.txt · https://www.xmr.club/zh/llm/cards/bybit-card.txt · https://www.xmr.club/es/llm/cards/bybit-card.txt · https://www.xmr.club/ru/llm/cards/bybit-card.txt
**Category:** cards / Prepaid & Debit
**Grade (xmr.club rubric):** B
**KYC posture:** heavy_kyc
**Features:** custodial, wide_funding, apple_pay, google_pay, 2fa_supported, address_proof_required, cashback, ai_subscriptions_supported, subscription_100_cashback
**Highlights:** MASTERCARD, 100% SUB CASHBACK, AI-SUBS OK, KYC, CEX-FUNDED, WIDE FUNDING, APPLE PAY, GOOGLE PAY
**Fees:** No annual fee · $5k daily limit · 1% FX markup · Beta tier ($500/mo + VIP1, easy for normies): ~$50/mo USDT cashback cap + 100% on Amazon Prime / ChatGPT / Spotify / Netflix / TradingView (may share the cap — verify in dashboard) · Higher tiers (Alpha→Infinite) gate on Bybit exchange VIP status
**Website:** https://www.bybit.com/en/card
**Last verified:** 2026-05-17

## Editorial review

Mastercard prepaid card funded directly from your Bybit spot/funding wallet, so any chain Bybit supports for deposit (BTC, ETH, USDT TRC20/ERC20, BNB, SOL, and the rest of the CEX's deposit list) reaches the card. Confirmed to clear on the major AI subscriptions (ChatGPT, Claude, Cursor, GitHub Copilot — i.e. OpenAI / Anthropic billing rails) which usually reject crypto-backed prepaids; useful if AI subs are your main use case.

Practical-use case (the reason it's Grade B despite the KYC): the **Beta tier is genuinely easy to maintain** for a normal-spending user — $500/mo card spend + Bybit VIP 1 (low bar, hit by holding small balances or trading occasionally). At Beta you get **up to $50/mo of USDT cashback** at the 2% baseline rate, and **100% cashback on five specific subscriptions** — Amazon Prime, ChatGPT, Spotify, Netflix, and TradingView. **Note:** Bybit's published terms aren't fully clear on whether the subscription refunds count against the same $50/mo cap or sit on top of it — assume worst case (capped together) until verified at the cardholder-dashboard level. Even capped together, the card is net-positive for users who'd hit Beta anyway.

Virtual card issues same-day after KYC L2; physical card optional. Adds to Apple Wallet and Google Pay. Two-tier KYC: L1 = government ID + selfie, L2 = financial profile form + address proof. Regional rollout — Africa and EEA confirmed at the time of listing; check Bybit's coverage map for your region before applying. Zero annual fee, $5,000 daily limit, 1% foreign-currency markup.

Full cashback ladder (six tiers, % paid in USDT, monthly vol = required card spend, VIP = Bybit exchange VIP level required in parallel, cap = monthly USDT cashback ceiling):
- Base: 2% · $0 vol · no VIP · cap $5/mo
- Beta: 2% · $500 vol · VIP 1 or VIP 2 · cap $50/mo + 100% sub-cashback (may share cap)
- Alpha: 4% · $3,500 vol · VIP 3 · cap $150/mo
- Apex: 6% · $9,500 vol · VIP 4 or PRO 1 · cap $250/mo
- Omega: 8% · $12,500 vol · VIP 5 or PRO 2 · cap $400/mo
- Infinite: 10% · $25,000 vol · Supreme VIP or PRO 3-6 · cap $600/mo

Because Alpha+ tiers gate on Bybit exchange VIP status (driven by trading volume / asset balances), the realistic ceiling for most retail users is Beta — which is also the tier that unlocks the 100% subscription cashback, so it's the practical sweet spot.

## Citation

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