[ head to head ]

Bybit Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 48/100 (#22 and #27 of 36 cards). XPlace Card also comes out ahead on cashback, more countries and control of your funds.

Bybit Card48

#27 of 36 · Up to 10% back · annual fee none

Get Bybit Read the review

XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

XPlace Card scores higher on the G2M score: 57/100 against 48/100 (#22 and #27 of 36 cards).
XPlace Card pays 0.5% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 2% on XPlace Card.
Neither card has an annual fee.
Bybit Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.
Bybit Card lists 37 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in United States, United Kingdom and UAE.
Bybit Card is custodial; XPlace Card is non-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

Bybit Card

XPlace Card

G2M score

Base cashback

Not published

0.5%

Max cashback

10%

Paid in

Points, redeemable for USDT or crypto

USDC

Annual fee

Free

FX fee

Not published

Top-up fee

Per-purchase fee

0.9%

None listed

ATM

Around $100 or €100 a month depending on region

Not published

Network

Mastercard

Visa

Card type

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual, physical

Apple / Google Pay

? / ?

Yes / Yes

India

UAE

Yes

United States

Yes

United Kingdom

Yes

EU / EEA

Yes

Countries

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states

Bank account (IBAN or account number)

Shared, with a reference code

Not confirmed

Send money to a bank account

1 currency

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Not confirmed

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

VIP 1 to 2 · VIP 3 (Alpha) · Supreme VIP

Basic · Silver · Gold · Platinum

Perks

Subscription rebates for VIPs · 100% rebates on Netflix, Spotify and ChatGPT

Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 a month

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 XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 48/100 (#22 and #27 of 36 cards). XPlace Card also comes out ahead on cashback, 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 XPlace Card?

Neither card has an annual fee. Bybit Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Bybit Card or XPlace Card?

XPlace Card pays 0.5% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 2% on XPlace Card.

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

Bybit Card lists 37 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in United States, United Kingdom and UAE.

Who holds my funds with Bybit Card and XPlace Card?

Bybit Card is custodial; XPlace Card is non-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.