Head to head
Bybit Card vs PayitFast
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | By Bybit Card | Pa PayitFast |
|---|---|---|
| Overall rank | #4 of 35 | #8 of 35 |
| FX spread | 2.9% | 1% |
| Base cashback | 2% paid in points | 3% in USDC |
| Custody | Custodial | Non-Custodial |
| Virtual card | Free | Virtual Visa Platinum $5 (live) |
| Physical card | $29.99 | Physical PVC Visa Signature $50 (coming in 1-2 weeks). LED, Gold and wearable cards coming |
| Spend limit | $10,000 daily / $50,000 monthly | $100k/day standard, $5M Elite |
| ATM withdrawals | First $100/month free, 2% flat thereafter | ATM withdrawals via NFC |
| Setup time | Fast to apply, but heavily gated for South African applicants | About 3 min (ID + face scan KYC) |
| KYC steps | 6 | 3 |
| Score | 7.4/10 | 7/10 |
Bybit Card
Bybit's fee structure is heavy: a 2% regional FX fee plus a 0.9% conversion charge pushes the gross markup close to 3%. The 2% cashback pulls the net cost back to $1.49, about 0.76% above market, but rewards arrive as points rather than instant stablecoins. The 100% subscription rebate at higher spend is the strongest reason to hold it.
PayitFast
A strong pick for everyday users; the upcoming wearables are exciting. High spenders for luxury shopping, luxury travel bookings, dining & entertainment/events, software subscriptions (AI tools, cloud services, streaming services etc.) Freelancers, Digital Nomads, Influencers, anyone requiring regular cross-border payments, Luxury service providers.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+