imToken Card (Fiat24) scores 8/16, Bybit Card scores 8/16 on the CBL Card Score. Here is every criterion side by side.
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 1 of 2 |
| Funding cost | 0 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 1 of 2 | 2 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 8 | 8 |
The short verdict: imToken Card (Fiat24) leads overall (8 to 8). Tokenised deposit in own wallet; Fiat24 can block, no FX fee in USD, EUR, CHF, RMB FX. Health: Watch. Check each profile for what still needs confirming before deciding.
| imToken Card (Fiat24) | None today. "imToken will be launching a rebate plan soon" (official, launch article updated 8 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). |
Cashback is shown as a dated fact and never scored.