Bybit Card rewards combine Rewards Points (from Bybit Card + Bybit Pay spend) with optional Auto Cashback in crypto. Your effective rate depends on a six-tier ladder: non-VIP users climb by monthly spend; VIP/PRO users start at a higher floor without meeting spend thresholds.
Figures below are from Bybit Help Center (Introduction to Bybit Card Rewards, last updated 2026-06-07; FAQ — Bybit Card Rewards, 2026-05-26; Auto Cashback guide, 2026-06-16). Regional card fees are separate from rewards.
Cashback tiers (points multiplier & caps)
Base conversion used by Bybit: cashback USDT ≈ points × 0.002 (example: 500 points ≈ $1). Points stay pending for 4 calendar days after settlement, then become redeemable. Points do not expire.
| Tier | VIP / PRO floor | Non-VIP monthly min spend (USD) | Multiplier / cashback | Monthly point cap | Equiv. monthly cashback cap (USD) |
|---|---|---|---|---|---|
| Tier 1 (Base) | — | $0 (default for non-VIP) | 10× / 2.00% | 2,500 | $5 |
| Tier 2 (Beta) | VIP 1 & 2 | $500 | 10× / 2.00% | 25,000 | $50 |
| Tier 3 (Alpha) | VIP 3 | $3,500 | 20× / 4.00% | 75,000 | $150 |
| Tier 4 (Apex) | VIP 4 & PRO 1 | $9,500 | 30× / 6.00% | 125,000 | $250 |
| Tier 5 (Omega) | VIP 5 & PRO 2 | $12,500 | 40× / 8.00% | 200,000 | $400 |
| Tier 6 (Infinite) | Supreme VIP, PRO 3–5 | $25,000 | 50× / 10.00% | 300,000 | $600 |
- VIP floor: VIP users get the matching tier multiplier and cap without hitting the monthly spend threshold, and will not drop below that VIP-linked floor.
- Spend unlock: Non-VIP (and VIP unlocking above their floor) keep a spend-unlocked tier until the end of the following calendar month, then re-check spend / VIP floor.
- Shared caps: Bybit Card + Bybit Pay points share one monthly point cap per tier.
- VIP change: If VIP level changes, the VIP-linked floor tier updates immediately.
Rewards estimator
Estimate tier, rate, and monthly cashback from card-eligible spend (before exclusions and pending settlement). Caps are hard monthly ceilings.
Estimated tier: —
Base cashback rate: —
Uncapped base cashback: —
After monthly base cap: —
Pay Later extra (after its own cap): —
Combined estimate: —
Estimator uses official published rates/caps only. Merchant 100% subscription rebates, FX padding, crypto conversion fees, and ineligible MCC spend are not modeled.
Pay Later installment bonus (+1%)
Converting a completed Bybit Card authorization into installments can earn an extra 1% from a separate bonus pool (does not consume the main cashback cap). Shared with Bybit Pay Pay Later.
| Tier | Additional cashback | Additional monthly point cap | Equiv. extra cashback cap (USD) |
|---|---|---|---|
| Tier 1 (Base) | 1% | 2,500 | $5 |
| Tier 2 (Beta) | 1% | 25,000 | $50 |
| Tier 3 (Alpha) | 1% | 75,000 | $150 |
| Tier 4 (Apex) | 1% | 125,000 | $250 |
| Tier 5 (Omega) | 1% | 200,000 | $400 |
| Tier 6 (Infinite) | 1% | 250,000 | $500 |
Merchant subscription rebates (Tier 2+)
Selected official-website subscriptions paid with Bybit Card can earn rebate points at $1 (or local equiv.) ≈ 500 points (100% cashback-style points), still subject to the tier monthly point/cashback cap. Wallet-routed labels (e.g. Apple Services) may not qualify if the statement merchant is not on the list.
- ChatGPT Plus
- Claude Pro
- Netflix
- Spotify
- TradingView
- Financial Times
- Shahid
- iQIYI
Eligibility: Direct charge on the merchant’s official site only. App stores, aggregators, and many Apple Pay / Google Pay intermediate descriptors are excluded. Tier 1 does not receive these merchant rebates.
How VIP maps to a rewards floor
Card rewards tiers piggyback on Bybit VIP/PRO. Meeting either asset-balance or 30-day volume criteria (spot / derivatives / options / structured — see VIP article) unlocks the VIP level. Card cashback then uses the floor below without spend gates.
| VIP / PRO | Indicative asset balance (USD) | Indicative 30D derivatives volume (USD) | Card rewards floor | Floor cashback |
|---|---|---|---|---|
| Non-VIP / VIP 0 | — | — | Tier 1 via spend path | 2% |
| VIP 1 | ≥ $100K | ≥ $10M | Tier 2 (Beta) | 2% |
| VIP 2 | ≥ $250K | ≥ $25M | Tier 2 (Beta) | 2% |
| VIP 3 | ≥ $500K | ≥ $50M | Tier 3 (Alpha) | 4% |
| VIP 4 | ≥ $1M | ≥ $100M (API ≤20%) | Tier 4 (Apex) | 6% |
| VIP 5 | ≥ $2M | ≥ $250M (API ≤20%) | Tier 5 (Omega) | 8% |
| Supreme VIP | N/A (volume path) | ≥ $500M (API ≤20%) | Tier 6 (Infinite) | 10% |
| PRO 1 | N/A | ≥ $100M (API >20%) | Tier 4 | 6% |
| PRO 2 | N/A | ≥ $250M (API >20%) | Tier 5 | 8% |
| PRO 3–5 | N/A | Higher API-heavy thresholds | Tier 6 | 10% |
VIP table simplified from Introduction to the VIP Program (updated 2026-07-30). Spot, options, structured products, net borrowing, and CFD conversion ratios also apply — confirm live thresholds in the VIP help article before planning volume.
Enable Auto Cashback (step-by-step)
- Log in → Finance → Card (or open My Bybit Card).
- Select View Rewards to open the Rewards Market / points dashboard.
- Toggle Auto Cashback on. Optionally set the cashback token under Cashback Token Setting (fallback USDT if a token is removed mid-cycle).
- Confirm the dashboard shows points enabled for Auto Cashback. Redemption batch runs daily 00:00–01:00 UTC; credit to Funding Account / Rewards Hub by about 02:30 UTC.
- Minimum conversion: 50 points. Check Records → Deducted for cashback history, or Funding Account History for deposits.
Manual Rewards Market redeem
- My Bybit Card → View Rewards under Points.
- Pick an item (bonuses, fee savers, merchandise, etc.) → Pay → security verification.
- Successful redemptions are final (no exchange/return). Bonuses/fee savers land in Rewards Hub for claim.
What does not earn Rewards Points
- Card fees, service fees, admin and miscellaneous charges
- Canceled, voided, refunded, or reversed amounts (points can be clawed back; monthly cap is not restored)
- ATM withdrawals
- Prepaid top-ups / stored-value loads and related MCCs (e.g. 6011, 6012, 6540, 6555)
- FX / money order / account funding style MCCs (e.g. 6051), money transfer (4829), personal e-wallet P2P-style (7299)
- Third-party reassignment rails (e.g. Curve ReFi/Flex) and other categories Bybit flags as abusive or ineligible
Refund clawback: If points from a later-refunded purchase were already spent, Bybit may deduct equivalent value from balances. Unused points from that purchase are also removed.
Common pitfalls
- Cap surprise at high spend: Tier 6 base cashback hard-caps at $600/month even at 10% — large single months leave uncapped remainder unrewarded (Pay Later pool is separate).
- Pending delay: Planning “instant” cashback fails — 4 calendar days pending before Auto Cashback can convert.
- Subscription rebate via wallet: Netflix via Apple Pay may post as Apple Services and miss 100% merchant rebate.
- Crypto spend ≠ free: Paying with crypto still incurs the regional crypto conversion fee on One-Click Sell; that fee does not earn points.
- EEA/CH availability: Card product availability and partner rails vary by region; confirm your entity still offers Bybit Card before assuming rewards.
Sources
- Introduction to Bybit Card Rewards (2026-06-07)
- FAQ — Bybit Card Rewards (2026-05-26)
- How to Activate Auto Cashback from Bybit Card (2026-06-16)
- How to Redeem Items with Rewards Points
- Introduction to the VIP Program (2026-07-30)
- Fees and Limits (Bybit Card) (2026-08-11)
- Introduction to Bybit Card