RedotPay vs Bybit Card: A Detailed Comparison

RedotPay vs. Bybit Card — The Choice Between “Independent or Linked”

As of 2026, both RedotPay and Bybit Card are crypto asset debit cards that Japanese users can easily choose from.To summarize the difference between the two in a nutshell, RedotPay appeals for its “simplicity, as everything is handled within a standalone wallet app,” while Bybit Card stands out for its “seamless integration with your Bybit exchange account.”

A practical way to choose is this: the Bybit Card is ideal for traders who regularly use Bybit, while RedotPay is best for those who hold crypto assets but don’t want to get too involved with an exchange account. On this page, we’ll delve deeper into these differences by examining specific fees, features, and use cases.

Issuance Fees and Maintenance Costs

Item	RedotPay	Bybit Card
Virtual Card Issuance Fee	Approx. 10 USDT	Essentially free
Physical Card Issuance Fee	Approx. 100 USDT	Varies by region and time of year
Monthly and annual fees	Zero	Zero
Prerequisites	RedotPay Everything is handled within the standalone app	A Bybit account and KYC verification are required

Both are designed with low fixed costs, so the cost of inactivity is effectively zero. Even in annual operational estimates, the difference in costs between the two is largely determined by the actual fee structures applied during use.

While issuing a virtual Bybit Card is effectively free, this requires you to already have a Bybit account. The effort involved in opening a Bybit account and completing KYC separately should be considered part of the initial costs.

Transaction Fees — Understanding Differences by Merchant

Transaction costs vary depending on the merchant’s location and the currency used.

RedotPay

• Merchants denominated in USD: Approximately 1.0%
• Currencies other than USD: Approx. 1.0% (currency conversion) + 1.2% (foreign exchange) = Total approx. 2.2%

Bybit Card

• Merchants denominated in USD: approx. 0.9–1.0%
• Currencies other than USD: approx. 1.5–2.0%

While Bybit Card is set at a slightly lower rate, it is fairer to consider the total cost, including the transaction fees for converting crypto assets to USDT within Bybit.

In a scenario where you “spend 10,000 yen at Rakuten Ichiba,” estimates suggest the cost would be approximately 220 yen with RedotPay and about 150–200 yen with Bybit Card. Assuming usage is 1.5 times higher annually, the difference would amount to only a few thousand yen.

ATM Withdrawals — High Costs for Both

ATM withdrawals are expensive with both options and are not suitable for everyday use.

• RedotPay: 3% for the same currency, 4.2% for local currency + 1.2% FX fee, plus ATM operator fees
• Bybit Card: Fees vary significantly by region; in Europe, a fixed fee of 2 USD plus a foreign exchange fee; in Asia, around 3%, etc.

If you frequently withdraw cash while traveling abroad, it may be more cost-effective to use a separate multi-currency account-based card like Wise rather than relying solely on either RedotPay or the Bybit Card.

Supported Assets and Deposit Chains

RedotPay Supported Assets

• Stablecoins: USDT, USDC, PYUSD
• Major Assets: BTC, ETH
• Altcoins: BNB, SOL, TRX, TON, XRP, SUI
• Deposit Chains: TRC20, ERC20, BEP20, Polygon, Arbitrum, Solana, Bitcoin

With a wide range of options, the platform is designed to make it easy for users to choose chains with low fees.

Supported Assets on Bybit Card

• You can use your Bybit Wallet balance directly
• All major assets are supported
• However, if you’re starting without any assets on Bybit, you’ll need to transfer funds into your Bybit account

For users who already have assets on Bybit, this offers the significant convenience of “no need for external transfers.” Conversely, if you’re starting from scratch without any assets on Bybit, you’ll need to go through the process of creating a Bybit account and completing KYC verification.

Apple Pay / Google Pay Support

Both support Apple Pay and Google Pay. The setup process is nearly identical; you can add the card to your wallet with just a few taps from the card details screen in the app. There is no significant difference in the payment experience itself, so this is not a deciding factor when choosing a card.

KYC and Support

Both platforms use third-party platforms like Sumsub for KYC, and the process typically takes 1–3 business days. Japanese support is limited for both, with the main support channels being English-based.

While Bybit has a large support team and responds relatively quickly, RedotPay, though slightly smaller in scale, is active in providing support through community channels (such as Telegram).

Dependence on Exchange Accounts

This is the fundamental difference between the two.

RedotPay is “standalone”

RedotPay is a standalone wallet app that can be used without a specific exchange account. Its greatest strength is its “independence”—you can start using it immediately by transferring USDT from an external source.

Bybit Card is “exchange-linked”

Bybit Card is positioned as a sub-feature of a Bybit account. While it offers a seamless experience for traders who trade on Bybit and want to use those assets directly for payments, the structure feels a bit cumbersome for those who simply want to use the card on its own.

If you “don’t want to add another exchange account” or “want to manage your funds independently,” RedotPay is definitely the right choice for you.

Which One Should You Choose? — A Checklist for Your Final Decision

Please answer the following questions with YES or NO.

1. Do you already trade frequently on Bybit? → If YES, consider the Bybit Card
2. Do you want to keep the number of exchange accounts to a minimum? → If YES, consider RedotPay
3. Want to focus on USDT/USDC trading? → Both are compatible (terms are equivalent)
4. Do you frequently make ATM withdrawals? → Both options are costly; using a separate card is recommended
5. Apple Pay: Mainly use contactless payments → Both are convenient
6. Focus on payments in Japan → The cost difference is minimal; choose based on preference

Questions 1 and 2 will be the deciding factors in your choice.

Support Team’s Recommendation

Personally, I believe using both RedotPay and the Bybit Card is the most practical approach.

• Main: RedotPay (daily payments, international subscriptions, international e-commerce, contactless payments via Apple Pay)
• Secondary: Bybit Card (to immediately transfer trading profits from Bybit into spending)

Since both have no monthly fees, there are no holding costs. Using each card in situations where you can leverage its respective strengths is the modern way to manage your cards.

Summary — Two Cards That Complement Each Other

Rather than competing with each other, these cards naturally serve different purposes depending on the user’s circumstances. There’s no absolute superiority or inferiority that would result in a significant annual difference, so choose the one that best fits your payment patterns and where your assets are held.

• For detailed instructions on how to use RedotPay, see the RedotPay Complete Guide
• For an overall card ranking, see the “Recommended Rankings.”
• For comparisons with other cards, please refer to the Crypto.com Visa and Kast pages

Please refer to these resources as needed.