Bybit Card vs Tangem Pay
Torn between Bybit Card and Tangem Pay? The comparison below is built from the same test data we use across the rest of the site.
Bybit Card issues on Mastercard · Visa and Tangem Pay on Visa; verification is ID only at Bybit Card versus ID + proof at Tangem Pay; only Bybit Card funds by bank transfer.
Bybit Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Tangem Pay still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The short version of the matchup
| Field | Bybit Card | Tangem Pay |
|---|---|---|
| Card network | Mastercard, Visa | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 1%-2% | — |
| Crypto funding | Yes | Yes |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 9.3 | 8.1 |
| User reviews | 54 | 146 |
| Best for | All-rounder · AI subscriptions | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Prefer a short sign-up? Bybit Card is the lower-friction option here.
- In our scoring, Bybit Card finished ahead of Tangem Pay — not by a mile, but enough to tilt a tiebreak.
The two, compared
Run the numbers against your own usage. Bybit Card runs free to create plus no top-up fee per top-up; Tangem Pay runs free plus no top-up fee. For one or two subscriptions the first column wins; for the rows where it leads in the table, the second does.
Questions people ask
That depends on what you spend on. Bybit Card scores 9.3/10 against Tangem Pay's 8.1/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Bybit Card is the cheaper card to run. Both Bybit Card and Tangem Pay issue virtual cards for free; Bybit Card converts currency at 1%.
Bybit Card asks for ID only at signup; Tangem Pay asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 2 of the same test scenarios, including ChatGPT Plus, Suno AI. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Bybit Card and Tangem Pay both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 2
Their BIN ranges
Cards issued in 🌎 Latin America · 🇸🇬 Singapore — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: