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Card comparison · August 2026

Kite vs Bybit Card

Bybit's own help centre says the card is not available in seven of the nine countries Kite serves. Where it is available, your balance sits in an exchange account rather than a wallet you control.

Get the Kite app See the full comparison

Whether you can get one where you liveKiteBybit Card

Card countries9, plus 40+
for paymentsNot in 7 of them

Virtual cardFreeFree

Non-USD spend1.8%1% to 7% by region

Who holds itYou doBybit does

No card fees Virtual and physical 0.53% to load Non-custodial Gas covered 40+ countries for payments

The short answer

Kite vs Bybit Card: the short answer

Bybit’s own page rules out seven of the nine countries Kite issues cards in.

The virtual card is free on both sides, with no annual fee.

Bybit prices foreign spending at 1% to 7% by region, plus 0-5% padding. Kite is 1.8%.

Bybit is an exchange, so it holds your balance. On Kite it sits in a wallet only you can open.

Side by side

Kite vs Bybit Card: fees and features compared

This compares the virtual card on each side, so the two columns are like for like. Every figure comes from Bybit Card's own site and help centre on 31 August 2026, and from Kite's. Nothing here is estimated, and ATM withdrawals are left out because they need a physical card.

	kite	Bybit Card
Card type	Visa debit card. The virtual card issues as soon as your checks clear	Mastercard, not Visa. The virtual card issues from your Bybit exchange account
Card issuance	Free. No fee to issue the virtual card, to replace it or to keep it	Free. Bybit's help centre says no fee is charged for issuing the virtual card “until further notice”
Monthly or annual fee	Free	None on the virtual card. The annual fees Bybit lists apply to physical cards by region
Cost to load the card	0.53%Kite	0.5% to 0.9% crypto conversion, on top of Bybit's One-Click Sell rate
Spending in US dollars	No fee	No stated fee
Spending in another currency	1.8%Kite	1% to 7% on top of Mastercard rates, varying by region, plus a 0% to 5% padding for rate movement during authorisation
Network gas fees	Covered, on every supported chainKite	Not covered. Withdrawals from the exchange carry the network fee
Who holds your money	Non-custodial. Multi-party encryption (TSS-MPC), export your key anytimeKite	Custodial. The balance behind the card sits in your Bybit exchange account, held by the exchange
Stablecoins and chains	USDC and USDT across Base, Ethereum, BSC, Polygon, Arbitrum	The assets supported by your Bybit account, converted at spend time
Where you can sign up	9 countries for the full card: Singapore, Philippines, Malaysia, Thailand, Vietnam, Japan, South Korea, Taiwan, Australia. Stablecoin payments, QR pay and the wallet in 40+ more across Asia Pacific, the Middle East, Africa and the AmericasKite	30+ countries, mostly the EEA plus the UK, Turkey and the UAE. Bybit's own page says it is not available in Singapore, Japan, South Korea, Australia, Thailand, Vietnam or the Philippines
Card limits	$50,000 and 50 transactions a day, $990,000 a year	By region and tier. Asia Pacific daily limits run $10,000 to $100,000 where the card is offered at all
Cashback and rewards	Exclusive cashback drops on AI spends, conferences, and more.	Cashback by campaign and region, published in the app
Apple Pay / Google Pay	Google Pay liveApple Pay Coming soon	Apple Pay and Google Pay in supported regions

Sources

The differences

Why people switch from Bybit Card to Kite

Available where you actually live

Bybit rules out seven of the nine countries Kite issues cards in. Kite also does payments in 40+ more.

A wallet only you can open

A Bybit card spends from your exchange account. Kite's balance sits in a wallet only you can open.

One rate for spending abroad, not a range

Bybit's FX is 1% to 7% depending on region. Kite is 1.8%, everywhere.

Custody

Who holds your money with Kite and Bybit Card

Bybit is an exchange, so the balance behind the card sits in your Bybit account rather than a wallet you control. With Kite it stays in a wallet only you can open, and you can export the key and walk away whenever you want.

No seed phrase to lose

Multi-party encryption

Your key is split, and never put together in one place. Not even on our servers.

One address, five chains

Base, Ethereum, BSC, Polygon and Arbitrum. Gas is on us.

Getting started

How to get your Kite Stable Card in 3 simple steps

Sign up and verify

Download the app and verify yourself in about two minutes. You need to be 18 or over and living in one of the nine countries Kite serves.

Get your free card

Your virtual Visa is issued instantly and you can order the physical card at the same time. Google Pay works today, and Apple Pay is coming soon.

No issuance or replacement fee

Load it and spend

Move USDC or USDT onto the card for 0.53%. It lands in five to ten minutes and you can spend it anywhere Visa is accepted.

Gas is covered

Questions

Questions about Kite and Bybit Card, answered

Is the Bybit Card available in Singapore?

No. Bybit's own availability page says the card is not currently available in Singapore, and the same page rules out Japan, South Korea, Australia, Thailand, Vietnam and the Philippines. It puts the reason on local financial regulation rather than your account status. Kite is open to residents of all nine of those markets.

How much does a Bybit virtual card cost?

Nothing. Bybit's help centre says no fee is charged for issuing the virtual card until further notice, and the annual fees it lists apply to physical cards by region. The Kite Stable Card is free to issue too, and free to replace and keep.

Does Bybit hold your crypto?

Yes. The Bybit Card spends from your Bybit exchange account, so the exchange holds the balance behind it. Kite is non-custodial: your funds sit in a wallet secured by multi-party encryption that only you can open, and you can export the key at any time.

What are the Bybit Card fees?

The virtual card is free to issue with no annual fee. Converting crypto costs 0.5% to 0.9% on top of Bybit's One-Click Sell rate, foreign exchange runs 1% to 7% on top of Mastercard rates depending on region with up to 5% more padding, and ATM withdrawals are 2% after a monthly allowance. Kite is 0.53% to load, nothing in US dollars and a flat 1.8% elsewhere.

Is the Bybit Card a Visa or a Mastercard?

A Mastercard. The Kite Stable Card is a Visa debit card, accepted anywhere Visa is, in store and online, and it drops into Apple Pay and Google Wallet.

Bybit Card or Kite: which should I pick?

If you live in the EEA, the UK, Turkey or the UAE and already trade on Bybit, the card is free and sits next to your account. If you live in Asia Pacific, Bybit's own pages say the card is not available in seven of the nine countries Kite serves, which settles it.