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Bitpanda Card vs Bybit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Bitpanda Card4.1

Bitpanda Card is a Visa debit card for euro area residents that pays a flat 1% cashback in whichever crypto asset funded the purchase, with no VIP tier or staking requirement.

Bybit Card3.4

Bybit Card is a family of regional Mastercard debit programmes paying 2 to 10 percent cashback in Bybit points, with EEA cardholders moving to a flat 1 percent for ordinary users in 2026.

Verdict: Bitpanda Card

Bitpanda Card rates higher on our rubric: 4.1 against 3.4 for Bybit Card.

Criterion
Editorial rating
Bitpanda Card
4.1
Bybit Card
3.4

Bitpanda Card and Bybit Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bitpanda Card and Bybit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBitpanda CardBybit Card
Editorial rating4.1 (favoured on this row)3.4
IssuerBitpanda GmbH (Austrian FMA-licensed); Visa issued via Transact Payments Malta LimitedBybit
CashbackFlat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.
Top reward tier1% cashback, paid in the crypto asset used for the purchase (Standard (all cardholders))10% cashback (Infinite)
Reward tiers16
FeesFree first card issuance, no monthly or annual fee, 0% Bitpanda-side FX markup on top of the standard Visa network rate, and roughly €2 per ATM withdrawal.No annual or inactivity fee anywhere; EEA/Switzerland FX runs 0.5% and crypto conversion 0.9%, but non-European regions range from 1% (Australia) to as high as 7% (Argentina) in FX fees, plus a 2% ATM fee above a small free monthly allowance.
Countries issued in1933
Countries both are issued in1919
Last reviewed2026-08-242026-08-25

Pros and cons, side by side

Bitpanda Card

What works

  • Flat 1% cashback available to every cardholder with no token-holding or staking tier required
  • No monthly or annual maintenance fee, and the first card is free to order
  • Cashback is paid instantly in the same asset used for the purchase
  • 0% Bitpanda-side foreign exchange markup beyond the standard Visa network rate

What to watch

  • Cashback excludes euro, stablecoin, precious-metal, and stock-funded purchases, only crypto-funded spending qualifies
  • Restricted to euro-area residents, so a verified Bitpanda account outside the eurozone does not qualify
  • Sources disagree on the exact ATM fee, ranging from a flat €2 to a 2%-or-€2-whichever-is-higher structure
  • Cashback rate dropped from a previous VIP-tiered maximum of 2% to a flat 1% for all users

Bybit Card

What works

  • No annual, monthly, or inactivity fee across every regional program
  • Cashback can reach 10% at the top VIP tier, higher than most competitors in this batch
  • Free virtual card issuance everywhere, with a roughly 5 EUR/USD physical card fee
  • EEA cardholders without VIP status now earn an uncapped flat 1% instead of a capped tiered rate

What to watch

  • Not one unified product: fees and terms differ sharply by region, and Argentina's FX fee runs as high as 7% plus a temporary padding hold
  • Turkey gets a virtual card only, with no physical card available
  • Reaching the top 8-10% cashback tiers requires Supreme VIP exchange status or very large monthly card spend ($12,500-$25,000)
  • Not available in the US, Canada, China, Japan, South Korea, Singapore or Australia

Frequently asked questions

Is Bitpanda Card or Bybit Card better?

Bitpanda Card rates higher on our rubric: 4.1 against 3.4 for Bybit Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bitpanda Card or Bybit Card?

Bitpanda Card: Flat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.. Bybit Card: 2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bitpanda Card and Bybit Card?

Both are issued in 19 countries, including Austria, Belgium, Croatia, Estonia, Finland, on each issuer's own eligibility page. Bitpanda Card is issued in 19 countries we track and Bybit Card in 33.

The full reviews: Bitpanda Card and Bybit Card, each with its sources, and every crypto card we review.

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