The Bybit EU Card lets you earn Bitcoin from the purchases you already make every day. It works like a standard Mastercard debit card, but every transaction generates Reward Points that can automatically convert into BTC and be credited directly to your Funding Account. There’s no need to change how you spend. Simply shop as usual and accumulate Bitcoin passively in the background.

This turns your routine spending, such as groceries, fuel, travel, and online shopping, into a continuous Bitcoin-earning cycle with zero extra steps. New cardholders also receive 100% rebate on eligible subscriptions (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) during their first month, up to a €50 cap.

Key Takeaways:

• Earn Bitcoin automatically every time you spend with the Bybit EU Card

• No change in spending habits, and rewards accumulate passively

• Daily BTC payouts are credited directly to your Funding Account

What the Bybit EU Card is and how it works

The Bybit EU Card is a prepaid Mastercard debit card for EU/EEA users. It lets you spend your Bybit Funding Account balance — crypto or fiat — anywhere Mastercard is accepted. During checkout, crypto instantly converts to EUR, facilitating smooth payments both online and in-store.

There are no issuance fees, annual fees or staking requirements. Rewards run automatically, without lockups or complicated qualification rules.

With the Bybit EU Card, you can:

• Pay online and in-store

• Make ATM withdrawals

• Use Apple Pay or Google Pay (where supported)

• Spend crypto effortlessly with auto-conversion to EUR

Every eligible transaction earns Reward Points, which feed into a tiered cashback system. When Auto Cashback is enabled, these points convert into BTC and are credited directly to your Funding Account.

How Bitcoin cashback works inside the Bybit EU Card system

Bybit Card rewards are powered by Reward Points. These points convert into Bitcoin (or another token you select) once Auto Cashback is enabled. Cashback is processed daily, and sent directly to your Funding Account.

a. How to earn points with every purchase

Every eligible transaction earns Reward Points instantly. They appear as Pending Points, convert to Available Points after four (4) business days, and can be redeemed manually or auto-converted into cashback. For VIP users, your VIP Level determines point multipliers and monthly caps.

Understanding Reward Points vs. Auto Cashback

Reward Points and cashback are linked, but they are not the same:

• Reward Points are what you earn from spending. They accumulate until you redeem them or let them auto-convert.

• Auto Cashback automatically converts your Available Points into BTC (or another chosen token). Cashback is sent daily at around 02:00 UTC to your Funding Account.

Auto Cashback only triggers when you have at least 50 available points, and monthly cashback limits follow your tier settings.

b. How cashback rates and tiers determine your Bitcoin rewards

For non-VIP users, cashback is simple: earn 1% flat cashback on every eligible transaction, with no monthly cap. VIP users have their own tiered cashback rates, which remain unchanged.

Non-VIP users

Non-VIP users earn 1% flat cashback on all eligible transactions, with no monthly cap. There are no spending tiers to unlock — the same rate applies regardless of how much you spend.

1% flat cashback on all eligible transactions, with no monthly cap.

VIP users

VIP users begin at a higher base tier depending on their VIP level. They don’t need to meet the monthly spending requirement to access their default tier rate, but can still upgrade further by spending more.

• VIP 1–2 (Tier 2): 2% cashback, up to €50 monthly

• VIP 3 (Tier 3): 4% cashback, up to €150 monthly

• VIP 4 & PRO 1 (Tier 4): 6% cashback, up to €250 monthly

• VIP 5 & PRO 2 (Tier 5): 8% cashback, up to €400 monthly

• VIP 6 & PRO 3–5 (Tier 6): 10% cashback, up to €600 monthly

Some tiers require minimum monthly spending for upgrades or retention.



Key mechanics

• Cashback is based on points earned, multiplied by your tier multiplier

• You stop earning points once you reach your monthly cap

• Points automatically convert into cashback when Auto Cashback is enabled

• If Auto Cashback is enabled, Cashback is paid daily into your Funding Account in BTC

How to activate Bitcoin cashback

Turning on Bitcoin cashback takes less than a minute. Once it’s enabled, every eligible transaction automatically earns BTC and credits it to your Funding Account.



Step 1: Log in to your Bybit account

Go to Finance → Card from the main navigation menu. This opens your Bybit EU Card dashboard, where all spending, rewards and settings are managed.



Step 2: Open the Rewards dashboard

On the Card page, click on View Rewards. This takes you to the Rewards Market, where you can see your Pending Points, Available Points and cashback settings.



Step 3: Turn on Auto Cashback

Under the Rewards Points section, toggle Auto Cashback. This tells the system to automatically convert your Available Points into cashback, instead of requiring you to redeem them manually.



Step 4: Choose Bitcoin as your cashback token

Select Cashback Token Setting, then choose BTC. From this point onward, every cashback payout will be credited in Bitcoin, regardless of which currency you’ve spent.



Step 5: Start spending with your Bybit EU Card

Use your card for online payments, in-store purchases and anywhere Mastercard is accepted. Each eligible transaction generates Reward Points, which later convert into BTC.



Step 6: Receive daily Bitcoin cashback

Once Auto Cashback is enabled, every eligible card transaction earns cashback paid in BTC. Non-VIP users earn 1% flat cashback with no monthly cap. VIP users earn tiered cashback based on their VIP level.



Cashback is processed once per day, and the BTC amount is automatically credited to your Funding Account. For a full breakdown of tiers and cashback rates, you can refer to the Bybit Card Rewards.

Important rules & limitations users must know

Cashback is processed daily, and each tier has its own monthly point and cashback limits. Please note that points earned beyond your monthly cap will not accrue additional cashback.

Why the Bybit EU Card is uniquely competitive

In short, the benefits of the Bybit EU Card are as follows:

• Automatic Bitcoin rewards delivered daily

• 1% flat BTC cashback on all transactions for non-VIP users, with no monthly cap

• VIP users: tiered cashback from 2% up to 10%

• Fully compliant under MiCA regulations

• New-user perk: 10% cashback on selected categories during your first month

The bottom line: Earn Bitcoin with your regular spending

The Bybit EU Card makes it easy to earn Bitcoin. Every transaction generates daily BTC cashback that appears in your Funding Account without any change to your routine. The more you spend, the more Bitcoin you accumulate over time. 



Apply for your Bybit EU Card today — and start turning everyday spending into daily Bitcoin rewards.



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