Bybit Card: a crypto card with a 10 USDT bonus, up to 10% cashback and a practical USDT spending flow
A simple Bybit Card guide: 10 USDT bonus via referral link, up to 10% cashback, fees, KYC, restrictions, subscriptions and how streamers can use the card after crypto donations.
Short version: Bybit Card is the kind of crypto card that is actually worth looking into. Not because it is “magic free money”, but because several useful things meet in one place: a bonus for new users, up to 10% cashback, payments from a crypto balance and a normal spending flow for people who hold USDT.
Use our link to open the Bybit Card page and check the available bonus. Right now the offer is framed like this: up to 10% cashback and a 10 USDT bonus for an invited user after completing Bybit conditions. Terms can change, so before topping up, always check what your own account shows.
What Bybit Card is in simple words
Bybit Card is a card for spending from your Bybit balance. Depending on the region, it can be Visa or Mastercard, virtual or physical. The idea is simple: you keep funds in your Bybit Funding Account, and the card uses available crypto/fiat funds when you pay.
For a web2 user, think of it like this: instead of manually looking for an exchanger every time, you use a card. You pay for subscriptions, services, online purchases or offline purchases if the card is available in your region and the specific merchant accepts this kind of payment.
| Item | What it means |
|---|---|
| Card type | Bybit crypto card: Visa or Mastercard depending on the region |
| Balance | There is no separate card wallet: spending uses your Funding Account and available funds |
| Crypto | The official FAQ mentions USDT, USDC, BTC, ETH, XRP and TON, but the set depends on the region |
| Cashback | 2–10% through the rewards program, plus welcome conditions for new users |
| Welcome | 10 USDT bonus/airdrop and up to 10% cashback during the first period after completing the conditions |
| Subscriptions | There is 100% cashback on selected subscriptions, but Tier 2 Beta and a spend goal are required |
| KYC | Identity verification is required, and sometimes address/additional data too |
| Risks | Custodial balance, fees, limits, regional restrictions and Bybit rules |
Why the card looks strong
Pros and limitations
- There is a real welcome hook: a 10 USDT bonus/airdrop after completing the conditions.
- During the first period, you can get up to 10% cashback; limits and categories need to be checked in your account.
- After the welcome period, the rewards program gives 2–10% depending on tier/VIP/spending volume.
- The card can be used for online payments, subscriptions and offline payments where Visa/Mastercard works.
- In official materials, Bybit separately promotes subscriptions such as ChatGPT, Netflix, Spotify and TradingView.
- For someone holding USDT, this is a clear bridge: hold crypto → pay by card → get cashback.
- This is not self-custody: the funds are on Bybit, not in your personal wallet.
- KYC is required, and card requirements can be stricter than a regular account.
- Bybit Card is not available in every country, and EEA/CH can be served separately through bybit.eu or different rules.
- “Up to 10% cashback” does not mean every payment always gives 10% forever.
- There are fees: crypto conversion fee, foreign exchange fee, ATM fee and possible limit restrictions.
- Some merchants, countries, categories and payments may fail or may not earn rewards.
Bonuses: where it gets tasty, and where you still need to read the rules
The main reason Bybit Card looks strong right now is the starting offer. On the official page, Bybit mentions a 10 USDT airdrop after a top up of 100 USDT, 10% cashback during the first period and a referral mechanic where an invited user can receive 10 USDT.
| Bonus | How it is framed | What to check |
|---|---|---|
| 10 USDT | Bonus/airdrop for a new user or invited friend | Whether registration through the link, card application, a 100 USDT top up and deadlines are required |
| 10% cashback | Up to 10% cashback during the first period on eligible transactions | Which MCC/categories qualify, what the cap is and when the 30-day period starts |
| 2–10% rewards later | Rewards program based on tier/VIP/spending volume | Your tier, monthly cap, points/cashback conversion and Auto Cashback rules |
| 100% cashback on subscriptions | Selected subscriptions such as ChatGPT/Netflix/Spotify/TradingView | Tier 2 Beta and spending at least 500 USDT per month are required, plus a monthly cap |
| No annual fees | The Bybit Card page states no annual fees | Check conversion, FX, ATM fees and regional terms |
How to apply for Bybit Card
Basic flow
- 1Open the referral link
Open the Bybit Card page through the author link and check whether the 10 USDT bonus and welcome terms are shown.
- 2Create an account or log in to Bybit
Use real data. The card still requires KYC, so fake details will only create problems.
- 3Complete Identity Verification
Bybit says card verification requirements can be stricter, including address and additional data.
- 4Open Finance → Card
In the app or website, go to the card section and click Apply Now.
- 5Choose your country of residence
If the country is not supported, Bybit may offer a waitlist. Do not try to bypass rules with a wrong region.
- 6Apply for a virtual card
A physical card, if available, is usually requested after the virtual card and may not be available to everyone.
- 7Top up the Funding Account
For the welcome bonus, check the top up condition. On the official page, Bybit mentions a top up of at least 100 USDT for the 10 USDT airdrop.
- 8Make a small test payment
Test the card first on a small purchase or subscription. This shows whether the merchant works and how cashback is calculated.
Fees and limits: what to check before topping up
| Item | What official materials say | How to think about it |
|---|---|---|
| Crypto conversion fee | In a Bybit example, the crypto conversion fee rate is 0.9% | If a payment requires conversion, the final cost can be higher than the face value |
| ATM withdrawal | Bybit mentions 2% after the first free monthly allowance | Cash withdrawals are usually less efficient than card payments |
| Foreign exchange fee | An FX fee can apply to overseas payments | Especially important for payments outside your card currency |
| Monthly cashback cap | Rewards tiers have monthly points/cashback limits | Even a high percentage is not unlimited |
| Merchant restrictions | Some transactions may fail or may not earn rewards | Test with a small amount |
| KYC / account restrictions | If Bybit rules are violated, the account or rewards can be restricted | Do not use the card for grey scenarios |
Where it makes sense to use the card
The most obvious scenario is subscriptions and online services: ChatGPT, Claude, Spotify, Netflix, TradingView, hosting, work tools and online purchases. This is where a crypto card stops feeling like “another fintech product” and starts feeling like a normal way to live with USDT.
Offline use can also work if the card can be added to Apple Pay / Google Pay / Samsung Pay in your region and the merchant accepts the payment. But this always needs to be checked manually: country, card type, payment network and merchant policy can all affect the result.
Regional restrictions
Bybit Card is not available in every country. In its official guide, Bybit says directly: if the selected country of residence is not supported, interest can be registered and the card may be offered later. Bybit.com also has separate terms for EEA/CH, and some jurisdictions are fully restricted from Bybit services.
How this connects to Oxygen Donuts
Oxygen Donuts is needed for the first step: accepting crypto donations directly to a wallet. Bybit Card is the next layer: what to do with part of your USDT if you do not only want to hold it, but also spend it on services, subscriptions and everyday purchases.
A healthy setup looks like this: donations arrive to your wallet through Oxygen Donuts, you keep the main part where you are comfortable, and move a separate amount to Bybit for expenses. This way, you do not turn the exchange into the only place where your money lives, but you still get the convenience of a card.
- Does Bybit Card give 10 USDT just for registration?
- It is better not to frame it as “just for registration”. Current Bybit materials mention a 10 USDT bonus/airdrop/referral reward, but conditions can include applying for the card, topping up from 100 USDT, deadlines and eligibility. Check the offer in your account.
- Does 10% cashback always apply?
- No. 10% means “up to 10%”. New users may have a welcome period with a separate cap, and later cashback depends on rewards tier, VIP/spending volume, eligible transactions and monthly limits.
- Can I pay directly with USDT?
- The card spends from the Funding Account. If a payment requires conversion, Bybit can convert crypto into the payment currency according to its own rules and fees.
- Is it better than Pionex Card?
- Bybit Card looks stronger in bonuses, cashback and the rewards ecosystem if it is available in your region. But compare by specific terms: fees, KYC, region, merchant acceptance and your payment scenarios.
- Does Bybit Card fit streamers?
- Yes, if a streamer receives USDT and wants to spend part of it on services, subscriptions and purchases. You do not have to keep all funds on an exchange: you can accept donations to a personal wallet and move only the expense amount to the card.
- Is KYC required?
- Yes. Bybit Card requires identity verification, and in some regions address and additional data can be requested.