Bybit Card vs Kolo Card
The short answer
Winner: Bybit Card — 7/10 versus 7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Bybit Card
KYC
Kolo Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
3%
2%
ATM fee
2%
Free
FX fee
0.5%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$50k
Monthly limit
$50k
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
0.9%
0.32%
ATM per transaction
$1.2k
Unlimited
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
17
41
Coins
BNB, BTC, ETH, USDC, USDT
BTC, ETH, SOL, USDC, USDT
Bybit Card vs Kolo Card FAQ
On our composite score Bybit Card edges ahead (7/10 vs 7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.