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Bybit Card vs Karta.io Card

Bybit Card scores higher on the G2M score: 48/100 against 40/100 (#22 and #26 of 26 cards). Pick Bybit Card for more countries; pick Karta.io Card for a lower FX fee and control of your funds.

Bybit Card48

#22 of 26 · Up to 10% back · annual fee none

Get BybitRead the review
Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review

The short answer

  • Bybit Card scores higher on the G2M score: 48/100 against 40/100 (#22 and #26 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 10% on Bybit Card.
  • Neither card has an annual fee.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.
  • Bybit Card lists 37 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA.
  • Bybit Card is custodial; Karta.io Card is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Bybit Card
Karta.io Card
G2M score
48 (better)
40
Base cashback
Not published
Not published
Max cashback
10%
Not published
Paid in
Points, redeemable for USDT or crypto
Not published
Annual fee
Free
Free
FX fee
2%
1% (better)
Top-up fee
0%
0%
Per-purchase fee
0.9%
1.5%
ATM
Around $100 or €100 a month depending on region
1 USDT + 2.5% per withdrawal
Network
Mastercard
Visa
Card type
Varies by region
Prepaid
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
? / ?
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
No
No
United Kingdom
No
Unclear
EU / EEA
Yes
Unclear
Countries
33
Not published; depends on local rules and card partners
Bank account (IBAN or account number)
Shared, with a reference code
In your name
Send money to a bank account
1 currency
No
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
VIP 1 to 2 · VIP 3 (Alpha) · Supreme VIP
Karta Personal
Perks
Subscription rebates for VIPs · 100% rebates on Netflix, Spotify and ChatGPT
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Bybit Card or Karta.io Card?

Bybit Card scores higher on the G2M score: 48/100 against 40/100 (#22 and #26 of 26 cards). Pick Bybit Card for more countries; pick Karta.io Card for a lower FX fee and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Bybit Card or Karta.io Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Bybit Card or Karta.io Card?

Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 10% on Bybit Card.

Which works in more countries, Bybit Card or Karta.io Card?

Bybit Card lists 37 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA.

Who holds my funds with Bybit Card and Karta.io Card?

Bybit Card is custodial; Karta.io Card is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.