Bybit Card vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Bybit Card wins overall (6.7/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 Bybit Card |  PST.NET | |
|---|---|---|
| Overall score | 6.7 | 4.4 |
| 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 | Custodial |
| Top-up fee | 0.9% | not documented |
| FX fee | 2% | 1% |
| Monthly fee | none | ? |
| Cashback | 2% in USDT | none |
| Regions | APAC, MENA, LATAM, GLOBAL, EEA | GLOBAL |
Pick Bybit Card if
- Higher documented cashback (2% vs 0)
- Wider documented availability
Pick PST.NET if
- Known fee stack (2.9 vs 1.0 % 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.
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
FAQ
Which is better for privacy, Bybit Card or PST.NET?
Bybit Card requires Full KYC, while PST.NET requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bybit Card: Not documented. PST.NET: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.