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Bybit Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 48/100 (#15 and #22 of 26 cards). Tangem Pay also comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

Bybit Card48

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

Get BybitRead the review
Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 48/100 (#15 and #22 of 26 cards).
  • Tangem Pay pays 1% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.
  • Bybit Card lists 37 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA, and only Tangem Pay is confirmed in United States and UAE.
  • Bybit Card is custodial; Tangem Pay 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
Tangem Pay
G2M score
48
62 (better)
Base cashback
Not published
1%
Max cashback
10% (better)
4%
Paid in
Points, redeemable for USDT or crypto
USDC
Annual fee
Free
Free
FX fee
2%
1.5% (better)
Top-up fee
0%
0%
Per-purchase fee
0.9%
None listed
ATM
Around $100 or €100 a month depending on region
4% on Basic, 2% on Plus, 1% on Prestige
Network
Mastercard
Visa
Card type
Varies by region
Debit
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
? / ?
? / ?
India
No
Unclear
UAE
No
Yes
United States
No
Yes
United Kingdom
No
Unclear
EU / EEA
Yes
Unclear
Countries
33
Select regions worldwide
Bank account (IBAN or account number)
Shared, with a reference code
In your name
Send money to a bank account
1 currency
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
VIP 1 to 2 · VIP 3 (Alpha) · Supreme VIP
Basic · Plus · Prestige
Perks
Subscription rebates for VIPs · 100% rebates on Netflix, Spotify and ChatGPT
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

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 Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 48/100 (#15 and #22 of 26 cards). Tangem Pay also comes out ahead on cashback, a lower FX fee, more countries 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 Tangem Pay?

Neither card has an annual fee. Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Bybit Card or Tangem Pay?

Tangem Pay pays 1% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 4% on Tangem Pay.

Which works in more countries, Bybit Card or Tangem Pay?

Bybit Card lists 37 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA, and only Tangem Pay is confirmed in United States and UAE.

Who holds my funds with Bybit Card and Tangem Pay?

Bybit Card is custodial; Tangem Pay 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.