Both are Visa cards available to applicants in Taiwan. For TWD purchases funded with crypto, RedotPay costs about 2.2% and Bybit Card 2.9%; Bybit’s fiat USD balance option costs 2% and earns no rewards. For Apple Pay, consider RedotPay; existing Bybit users who want rewards without a subscription can consider Bybit Card. See What to know before applying for fees and risks.
How do Bybit Card and RedotPay compare?
| Item | Bybit Card | RedotPay |
|---|---|---|
| Taiwan availability | Available; identity and residential-address verification required. Bybit does not serve Hong Kong users. | Available; physical cards can be shipped to Taiwan. Hong Kong residents can also apply. |
| Network | Visa | Visa |
| Virtual / physical card | Both; get a virtual card before a physical one | Both |
| Card issuance fee | Virtual: free; physical: 5 USDT; waived for VIPs | Virtual: US$10; physical: US$100 |
| Annual fee | None | No card monthly or annual fee; Pro costs extra |
| Fee on TWD purchases | Crypto: 2% foreign-currency fee + 0.9% conversion fee, 2.9% total. Fiat USD balance: 2%, no rewards. | 1.2% foreign-currency fee + 1% crypto conversion fee, 2.2% total |
| Base rewards | Base tier: 2%, crypto payments only, US$5 monthly cap | — |
| Maximum rewards and conditions | 10% (Infinite tier; requires Supreme VIP / PRO 3–5 or US$25,000 monthly spend); crypto payments only | 3% with Pro subscription; Apple Pay or Google Pay purchases only |
| Rewards cap | US$5–600 per month depending on tier | 18 USDs per month |
| Apple Pay / Google Pay | Asia Pacific card does not officially support Apple Pay; Google Pay supported | Some existing cards need an upgrade for Apple Pay; virtual cards can be added to Google Pay |
| LINE Pay / JKOPay | LINE Pay —; cannot add to JKOPay | LINE Pay —; cannot add to JKOPay |
| Custody | Custodial; funds remain in your Bybit account | Custodial |
| Referral code | PENCHAN | s1wds; 20% off card fee: virtual PENCHAN, physical PENCHANP |
Key differences:
- Rewards: Bybit Card has no subscription fee and starts at 2% on the Base tier, capped at US$5 a month. Fiat-balance payments do not earn rewards. RedotPay’s 3% requires Pro (US$12.90 monthly or US$129 yearly) and applies only to Apple Pay or Google Pay purchases. Rewards are issued as USDs, expire after 30 days, and can only pay for future card purchases; they cannot be withdrawn, transferred, or used to buy a card.
- TWD costs: RedotPay costs about 2.2%, compared with 2.9% for Bybit Card. Paying from Bybit’s fiat USD balance costs 2% on TWD purchases but earns no rewards.
- Wallets: RedotPay is the option to consider for Apple Pay; Bybit Card supports Google Pay only.
- Card issuance: Bybit’s physical card costs 5 USDT; RedotPay’s costs US$100.
- Selected subscriptions: Bybit offers 100% rewards on subscriptions such as ChatGPT Plus, Claude Pro, Netflix, and Spotify. Base is excluded; Beta requires VIP, while Alpha and above qualify. Pay on the merchant’s website with crypto; App Store and third-party billing do not qualify. These rewards count toward the tier’s monthly cap.
Who is Bybit Card for?
- People who already have a Bybit account or VIP status and can start at a higher rewards tier.
- People who want rewards without a subscription and are comfortable paying with crypto.
- People who want a low-cost physical card and are willing to get a virtual card first, verify their address, and meet spending-limit Level 2.
- People who are fine with Google Pay and do not need Apple Pay.
Who is RedotPay for?
- People paying in TWD with crypto who want to reduce conversion costs.
- People who want Apple Pay.
- People who mainly pay with Apple Pay or Google Pay and accept Pro at US$12.90 monthly or US$129 yearly, with rewards capped at 18 USDs per month and expiring after 30 days.
- People who want to apply directly for a physical card shipped to Taiwan, without Bybit’s spending-limit Level 2 and waitlist constraints.
What to know before applying
- Bybit is custodial, so funds are held in an exchange account. In February 2025, Bybit’s ETH cold wallet was hacked, causing losses of more than US$1.4 billion. Bybit said customer funds were unaffected and card service continued. On June 11, 2026, Taiwan’s securities regulator announced that Bybit had not completed anti-money-laundering registration with the FSC and could not provide virtual-asset services in Taiwan or solicit Taiwanese customers.
- Bybit Card rewards count only crypto-funded payments and have a monthly cap for each tier. Physical cards are being rolled out in batches; applicants who do not meet the conditions may be waitlisted.
- RedotPay Pro fees are generally non-refundable. Pro rewards and benefits must be used mainly in the country or region where you activated Pro, or they may be suspended.
- RedotPay Credit requires crypto collateral to access a credit limit. Interest is 0.05% per day, and liquidation occurs when the risk index reaches 0.9. This risk does not apply if you do not use Credit.
How to apply
For registration, verification, and card-issuance steps, see Bybit Card application guide and RedotPay card application guide. For full fees and tiers, see Bybit card review and comparison and RedotPay card review and comparison. Compare other cards in crypto card comparison.
