Bybit Card vs SpectroCoin Card
The short answer
Winner: Bybit Card — 7/10 versus 5.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Bybit Card
KYC
SpectroCoin Card
KYC
Score
Annual fee
Free
$13.8
Monthly fee
Free
$1.15
Cashback
3%
0%
ATM fee
2%
1%
FX fee
0.5%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$25k
Monthly limit
$50k
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
0.9%
1.5%
ATM per transaction
$1.2k
$1k
Network
mastercard
visa
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
17
17
Coins
BNB, BTC, ETH, USDC, USDT
BTC, ETH, USDC, USDT
Bybit Card vs SpectroCoin Card FAQ
On our composite score Bybit Card edges ahead (7/10 vs 5.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.