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Bybit Card vs Oobit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-10-29
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.

Oobit Card3.1

Oobit Card is a Visa card that spends stablecoins and crypto from an Oobit account or, through DePay, a self-custody wallet, with a 1% fee on every card payment and base points worth 0.1% to 0.5%.

Verdict: Bybit Card

Bybit Card rates higher on our rubric: 3.4 against 3.1 for Oobit Card.

Criterion
Editorial rating
Bybit Card
3.4
Oobit Card
3.1

Bybit Card and Oobit 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.

Bybit Card and Oobit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBybit CardOobit Card
Editorial rating3.4 (favoured on this row)3.1
IssuerBybitOobit Technologies UAB; outside the United States the card is issued by Third National under license from Visa
Cashback2% 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.Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app.
Top reward tier10% cashback (Infinite)5 points per $1, worth 0.5% (Level 5)
Reward tiers65
FeesNo 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.No fee to get the card and no monthly fee; 1% per card payment with a $0.25 minimum; the card is denominated in USD, with up to 1.5% more on other currencies; 2.5% on ATM withdrawals.
Countries issued in3372
Countries both are issued in3131
Last reviewed2026-08-252026-10-29

Pros and cons, side by side

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

Oobit Card

What works

  • No fee to get the card and no monthly fee, so the cost is per payment only
  • DePay pays from a self-custody wallet such as MetaMask, Trust Wallet or Phantom without moving funds into Oobit first
  • Listed in 72 countries that have a guide on this site, including most of the European Economic Area, the United Kingdom, the United States, Brazil, Mexico and South Korea
  • Works with Apple Pay and Google Wallet, so you can tap to pay wherever Visa is accepted

What to watch

  • A 1% fee applies to every card payment, with a $0.25 minimum, which is more than the 0.1% to 0.5% the base points pay back
  • Payments in currencies other than USD can add up to 1.5% on top, and ATM withdrawals cost 2.5%
  • Rewards can only be spent on Tap to Pay payments in the app and cannot be withdrawn, and Oobit can change offers on 30 days' notice
  • The 5% stablecoin reward is capped at $200 of spend and the 10% OOB reward at $5,000 of spend
  • The self-custody route needs a spending approval that lets Oobit draw up to your limit, and the card terms let Oobit and the issuer change spending limits, including to $0, with or without notice

Frequently asked questions

Is Bybit Card or Oobit Card better?

Bybit Card rates higher on our rubric: 3.4 against 3.1 for Oobit 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, Bybit Card or Oobit Card?

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. Oobit Card: Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app. 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 Bybit Card and Oobit Card?

Both are issued in 31 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and Oobit Card in 72.

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

More comparisons

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