Bybit Card vs Phantom Card
The short answer
Winner: Bybit Card — 7/10 versus 6.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated August 2026
Bybit Card
KYC
Phantom Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
3%
0%
ATM fee
2%
Free
FX fee
0.5%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$5k
Monthly limit
$50k
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
0.9%
0.95%
ATM per transaction
$1.2k
Unlimited
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
17
1
Coins
BNB, BTC, ETH, USDC, USDT
SOL, USDC
Key differences: Bybit Card vs Phantom Card
| Bybit Card | Phantom Card | |
|---|---|---|
| Cashback | 3% | 0% |
| FX fee | 0.5% | Free |
| Network | mastercard | visa |
| Custody | Custodial | Self-custody |
Which one should you choose?
Bybit Card scores 7/10 versus 6.9/10 overall — but the better choice depends on what matters most to you.
Pick Bybit Card for:
higher cashback, wider country coverage, broader coin support, a physical card.
Pick Phantom Card for:
keeping custody of your own keys.
Bybit Card vs Phantom Card FAQ
On our composite score Bybit Card edges ahead (7/10 vs 6.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.