Bybit Card vs KAST
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: KAST wins overall (7.2/10 vs 6.7/10). The right pick still depends on your priority - see the flow comparison below.
 Bybit Card |  KAST | |
|---|---|---|
| Overall score | 6.7 | 7.2 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0.9% | 0% |
| FX fee | 2% | 2% |
| Monthly fee | none | none |
| Cashback | 2% in USDT | 1.5% in USD |
| Regions | APAC, MENA, LATAM, GLOBAL, EEA | GLOBAL, US, EEA |
Pick Bybit Card if
- Higher documented cashback (2% vs 1.5)
- Wider documented availability
Pick KAST if
- Known fee stack (2.9 vs 2.0 % equivalents on a $500/mo profile)
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.
KAST
The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.