Head to head
Kast vs Bybit Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Ka Kast | By Bybit Card |
|---|---|---|
| Overall rank | #7 of 11 | #9 of 11 |
| Gross FX spread | 7.93% | 2.53% |
| Net cost on test | $1.60, expensive on small tickets | ~$1.49 after points |
| Base cashback | 1.5%, locked for 14 days | 2% paid in points |
| Custody | Custodial | Custodial |
| Virtual card | $2 | Free |
| Physical card | ~$40 + delivery | $29.99 |
| Spend limit | Unlimited daily purchases | $10,000 daily / $50,000 monthly |
| ATM withdrawals | $3 flat + 2% of the withdrawal | First $100/month free, 2% flat thereafter |
| Setup time | ~10 minutes | Fast, but heavily gated for South Africans |
| KYC steps | 6 | 6 |
| Score | 6.3/10 | 7/10 |
Kast
Kast works if you spend heavily in USD or move large amounts on Solana. For daily small-ticket ZAR spending, coffee, groceries, the flat low-transaction fee makes it one of the most expensive cards you could use in South Africa.
Bybit Card
Bybit's fee structure is heavy: a 2% regional FX fee plus 0.9% conversion pushes gross markup close to 3%. The 2% cashback brings net cost back to $1.49 (~0.76% above market), but rewards are paid in points rather than instant stablecoins. The 100%-off subscriptions are a heavy incentive.
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+