Bybit Card scores 8/16, RedotPay scores 9/16 on the CBL Card Score. Here is every criterion side by side.
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 0 of 2 | 2 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 1 of 2 |
| Total | 8 | 9 |
The short verdict: RedotPay leads overall (9 to 8). Custodial, segregated, own trust company, 1.2%, about 2.2% all-in FX. Health: Watch. Check each profile for what still needs confirming before deciding.
| 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). |
| RedotPay | 0% on the standard card. RedotPay Pro: 3% on Apple Pay and Google Pay purchases, capped at $18 a month, paid in USDs that expire after 30 days (official). |
Cashback is shown as a dated fact and never scored.