G2MGWEI 2 MERCHANT
Find your best card
Back
[ head to head ]

Bybit Card vs Kolo Card

Bybit Card scores higher on the G2M score: 48/100 against 46/100 (#22 and #25 of 26 cards). Pick Bybit Card for more countries; pick Kolo Card for cashback, 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
Kolo Card46

#25 of 26 · 1% to 2% back · annual fee none

Get KoloRead the review

The short answer

  • Bybit Card scores higher on the G2M score: 48/100 against 46/100 (#22 and #25 of 26 cards).
  • Kolo Card pays 1% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 2% on Kolo Card.
  • Neither card has an annual fee.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.
  • Bybit Card lists 37 countries where it works; Kolo Card does not publish a full country list (3 confirmed so far). Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA, and only Kolo Card is confirmed in United Kingdom and UAE.
  • Bybit Card is custodial; Kolo 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
Kolo Card
G2M score
48 (better)
46
Base cashback
Not published
1%
Max cashback
10% (better)
2%
Paid in
Points, redeemable for USDT or crypto
BTC, daily
Annual fee
Free
Free
FX fee
2%
1.4% (better)
Top-up fee
0%
0%
Per-purchase fee
0.9%
1%
ATM
Around $100 or €100 a month depending on region
USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.
Network
Mastercard
Visa
Card type
Varies by region
Debit
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
? / ?
Yes / Yes
India
No
Unclear
UAE
No
Yes
United States
No
Unclear
United Kingdom
No
Yes
EU / EEA
Yes
Unclear
Countries
33
60
Bank account (IBAN or account number)
Shared, with a reference code
No
Send money to a bank account
1 currency
1 currency
Buy and sell crypto with fiat
Buy and sell
Sell only
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
VIP 1 to 2 · VIP 3 (Alpha) · Supreme VIP
Kolo Card
Perks
Subscription rebates for VIPs · 100% rebates on Netflix, Spotify and ChatGPT
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days

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 Kolo Card?

Bybit Card scores higher on the G2M score: 48/100 against 46/100 (#22 and #25 of 26 cards). Pick Bybit Card for more countries; pick Kolo Card for cashback, 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 Kolo Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.

Which pays more cashback, Bybit Card or Kolo Card?

Kolo Card pays 1% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 2% on Kolo Card.

Which works in more countries, Bybit Card or Kolo Card?

Bybit Card lists 37 countries where it works; Kolo Card does not publish a full country list (3 confirmed so far). Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA, and only Kolo Card is confirmed in United Kingdom and UAE.

Who holds my funds with Bybit Card and Kolo Card?

Bybit Card is custodial; Kolo 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.