DeCard vs Bybit Card EEA
On cashback DeCard wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and DeCard does better (0% vs 0.5%). In our editorial rating Bybit Card EEA leads (4.3 vs 3.0). In short: DeCard if your usage matches its strength, Bybit Card EEA otherwise — the numbers above beat any slogan.
| DeCard | Bybit Card EEA | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.0 | ★ 4.3 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| Issuance fee | €10 | €5 |
| Annual fee | Free | Free |
| Free ATM limit | 1% of withdrawal or US$5 (whichever is greater) + ATM operator fees | €100/mese senza commissioni, poi 2% |
| ATM withdrawal | 1% | 2% |
| FX markup | 0% | 0.5% |
| Cashback | 10% · Nessuno | 1% in USDT · Nessuno |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 3/10 | 2/10 |
| Supported countries | APAC | EEA · 29+ countries |
| Regulator | MAS (Singapore) | Austria FMA; Dubai VARA; UAE SCA |
| Segment | B2C | B2C |
| On-chain settlement | — | No |
| OAM Italy registration | — | No |
| Past incidents | — | February 2025: ~$1.5B breach (the largest crypto theft in history), attributed to the Lazarus Group; Bybit made customer funds whole. |
| Regions | APAC | EU/EEA |
| Licences & safety | MAS-regulated card issuer (DCS Card Centre), Settlement via MAS-licensed DPT service providers | MiCAR (CASP); VARA VASP; SCA Virtual Asset Platform Operator |
Frequently asked questions
DeCard vs Bybit Card EEA: which is better?
On cashback DeCard wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and DeCard does better (0% vs 0.5%). In our editorial rating Bybit Card EEA leads (4.3 vs 3.0). In short: DeCard if your usage matches its strength, Bybit Card EEA otherwise — the numbers above beat any slogan.
Which is cheaper, DeCard or Bybit Card EEA?
On the standard spending profile DeCard has the lowest net annual cost: €0 versus €0 for Bybit Card EEA.
Which offers more cashback, DeCard or Bybit Card EEA?
DeCard has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is DeCard custodial or self-custody?
DeCard is custodial: funds are held by the platform, while Bybit Card EEA is custodial.
Which is better for spending abroad?
For foreign-currency spending DeCard wins, with the lowest FX markup: 0%.