Bybit Card vs Plutus Card
Bybit Card scores 8/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 Bybit Card |  Plutus Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 0 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 0 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 8 | 4 |
The short verdict: Bybit Card leads overall (8 to 4). Custodial, MiCA segregation stated, 0.5%, plus 0.9% to spend crypto FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Bybit Card | EEA: 1% for non-VIP users, reported uncapped (Bybit EU on X and third parties; the official tier table did not render); VIP levels 2% to 10% with monthly caps; new users 10% in the first month, capped at €150; paid daily in USDC or BTC; full rebates on partner subscriptions from the second tier (official). Global programme: 2% to 10% by tier with monthly caps from $5 to $600 (official). |
| Plutus Card | 3% on eligible card spend on every plan, rising to 9% through PLU stake levels (official, plutus.it/rewards and plutus.it/plans, checked 20 Oct 2026). Eligible spend is capped at £/€250, 500 or 1,000 a month by plan (official, fees page). Rewards are now called PLUS and accrue as in-app points while card spending is paused (official, Q1 migration FAQ, 20 Feb 2026). The top rate needs 40,000 PLU staked (third-party: SpendNode, 24 Jul 2026). |
Cashback is shown as a dated fact and never scored.