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Bybit Card vs Kite Card

Kite Card scores higher on the G2M score: 49/100 against 48/100 (#24 and #25 of 31 cards). Pick Bybit Card for more countries; pick Kite Card for cashback, a lower FX fee and control of your funds.

Bybit Card48

#25 of 31 · Up to 10% back · annual fee none

Get BybitRead the review
Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review

The short answer

  • Kite Card scores higher on the G2M score: 49/100 against 48/100 (#24 and #25 of 31 cards).
  • Kite Card pays 0% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 5% on Kite Card.
  • Neither card has an annual fee.
  • Kite Card charges less on foreign currency: a 1.8% FX fee against 2%.
  • Bybit Card is confirmed in more countries: 37 against 9. Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA.
  • Bybit Card is custodial; Kite 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
Kite Card
G2M score
48
49 (better)
Base cashback
Not published
0%
Max cashback
10% (better)
5%
Paid in
Points, redeemable for USDT or crypto
USD
Annual fee
Free
Free
FX fee
2%
1.8% (better)
Top-up fee
0% (better)
0.53%
Per-purchase fee
0.9%
None listed
ATM
Around $100 or €100 a month depending on region
Coming soon
Network
Mastercard
Visa
Card type
Varies by region
Prepaid
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
? / ?
Yes / Yes
India
No
No
UAE
No
No
United States
No
No
United Kingdom
No
No
EU / EEA
Yes
No
Countries
33
9
Bank account (IBAN or account number)
Shared, with a reference code
In your name
Send money to a bank account
1 currency
17 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
Not confirmed
Yield on your balance
Yes
Not confirmed
Tiers
VIP 1 to 2 · VIP 3 (Alpha) · Supreme VIP
Kite Card
Perks
Subscription rebates for VIPs · 100% rebates on Netflix, Spotify and ChatGPT
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)

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 Kite Card?

Kite Card scores higher on the G2M score: 49/100 against 48/100 (#24 and #25 of 31 cards). Pick Bybit Card for more countries; pick Kite 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 Kite Card?

Neither card has an annual fee. Kite Card charges less on foreign currency: a 1.8% FX fee against 2%.

Which pays more cashback, Bybit Card or Kite Card?

Kite Card pays 0% cashback on its entry tier; Bybit Card does not publish a rate. Higher tiers go up to 10% on Bybit Card and 5% on Kite Card.

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

Bybit Card is confirmed in more countries: 37 against 9. Of the markets we check for every card, only Bybit Card is confirmed in EU / EEA.

Who holds my funds with Bybit Card and Kite Card?

Bybit Card is custodial; Kite 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.