Bybit Card vs ether.fi Cash
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Bybit Card |  ether.fi Cash | |
|---|---|---|
| Overall score | 6.7 | 6.4 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Top-up fee | 0.9% | 0% |
| FX fee | 2% | 1% |
| Monthly fee | none | none |
| Cashback | 2% in USDT | 3% in ETHFI |
| Regions | APAC, MENA, LATAM, GLOBAL, EEA | US, UK, EEA, APAC, LATAM |
Pick Bybit Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick ether.fi Cash if
- Known fee stack (2.9 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (3% vs 2)
Bybit Card
The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.