A self-custody card for people who already live in Bitget Wallet
Available in US
The Bitget card is not a bank product. It is a Visa or Mastercard payment card issued by partners of Bitget Wallet, the self-custody crypto wallet, so the card spends the crypto balance sitting in your own wallet rather than funds held by Bitget on your behalf. For anyone who already uses Bitget Wallet and wants to spend stablecoins or other tokens at the point of sale, that model is genuinely useful. For everyone else, the card has gaps: the issuing partners are not publicly named, support scores poorly, the physical card is only available in a handful of Asian and Oceanian countries, and the fee schedule outside those regions is patchy and partly contradictory between official and third-party sources.
The card earns 6.8 out of 10 in this review. The strengths are accessibility (50+ countries, no tiers, no annual fee), the breadth of accepted top-up coins, and the self-custody model. The weaknesses are weak public information about the issuer, weak support reputation, and the fact that the physical card is gated to a narrow list of countries.
Conditions are current as of October 28, 2026.
Verdict
The Bitget card is built for a specific reader: someone already inside the Bitget Wallet app who holds USDT or USDC and wants to spend that balance with a card instead of swapping to a bank transfer. If that is you, the card is one of the more straightforward options. If you are looking for a general-purpose crypto debit card with a transparent fee table, named issuer, and broad physical availability, the Bitget card is not the strongest choice on the market.
Score breakdown
| Criterion | Mark | Reason |
|---|---|---|
| Who can get it | 8 / 10 | Issued in 50+ countries and regions including the EEA, UK, Argentina, Brazil, Japan, Singapore, South Africa, Pakistan, Bangladesh; more regions opening; the US is closed (unofficial). |
| Cost | 7 / 10 | No annual or monthly fee; FX 1.7%, conversion 0.05%, physical card 49 USD in APAC, ATM 1% or 5 USD. |
| Top-up options | 8 / 10 | USDT, USDC, ETH, SOL, with a self-custodial app on top. |
| Reliability and complaints | 4 / 10 | Issued by Bitget Wallet through unnamed regional partners; Trustpilot 3.4/5 over 82 reviews of the card; support is the weak point. |
| Everyday use | 7 / 10 | Virtual card widely available; physical only in parts of Asia and Australia; Apple Pay, Google Pay, PayPal, Alipay, WeChat Pay supported; ATM only on the physical card. |
| Total | 6.8 / 10 |
Will They Give You the Card
Bitget lists more than 50 countries and regions where the card is available, and says more are on the way. The named list includes the European Economic Area, the United Kingdom, Argentina, Brazil, Japan, Singapore, South Africa, Pakistan, and Bangladesh. If you live in one of those, the card is on the table for you. If you do not, it is worth checking the in-app country selector, because the list is described as expanding.
The United States is the headline exclusion. That information does not come from Bitget’s own pages; it comes from third-party sources and is reported as unofficial. Other unsupported countries are not listed, so the only way to know for sure is to install the Bitget Wallet app and try. One third-party report also names Nigeria as not yet open, and another mentions users whose proof-of-address documents were rejected and whose accounts were closed with a small balance deduction. Treat these as reports, not policy.
The card is aimed at people who already keep crypto in the Bitget Wallet app. That matters because the card is functionally an extension of the wallet rather than a standalone product. If you do not want a self-custody wallet, the card is not the right starting point.
How to Get It
The card lives inside the Bitget Wallet app. The path is Wallet > Card, then submit an identity document. The official help page says approval can come in about a minute if the information is complete. There is no mention of proof of address, age checks, or tiered verification beyond that. The help article “How to apply and verify my identity?” exists, but its full text was not consulted for this review, so treat the one-minute approval as the best case rather than the norm.
The card comes in two forms. A virtual card is the default, and no price is specified for it. A physical card is available, but only to citizens or residents of a specific set of countries: Singapore, South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand, and the Philippines. In those countries, the physical card costs 49 USD including international shipping, and the cost is deducted from the card balance. The 49 USD cost can be offset by inviting three friends. Visa or Mastercard, depending on region. The card’s base currency is officially unspecified.
Delivery is by FedEx. If the card has not arrived after two weeks, the guidance is to contact support. If the card is lost, the steps are: freeze it under Card > Manage > Freeze Card, request a new virtual card with a new number, and reapply for the physical one.
One unofficial report says European users get Mastercard, but Bitget does not name its issuing partners publicly. That is worth knowing if you are the kind of person who wants to see exactly which bank or e-money institution stands behind the card.
What It Really Costs
There is no annual fee, no monthly card fee, and no interest markup. That is the headline, and it is genuinely rare among crypto cards. Issuance of the virtual card is free, and the production and shipping of the physical card is 49 USD in the listed APAC countries.
The fee that matters in everyday use is the FX fee of 1.7% for non-USD spending, plus a 0.05% conversion fee when you top up the card from crypto. Bitget says it does not profit from exchange-rate spreads and that the rates “closely match Google’s live rates”. That is a claim, not a guarantee; you can compare any quoted rate against the live mid-market rate to see how it tracks.
Once monthly spending reaches somewhere between 200 and 400 USD, Bitget says its “assetback” programme typically covers top-up and conversion fees. Beyond the monthly allowance, the standard fees apply, but the exact allowance is not stated on the pages reviewed. A 2% assetback rate is the default for all cardholders, and 3% is available to new users or those who hit a monthly spend threshold. Reward limits and exact upgrade conditions are described in the rules inside the app.
Costs at a glance
| Fee or limit | Amount |
|---|---|
| Annual fee | None |
| Monthly card fee | None |
| Virtual card issuance | Free |
| Physical card (APAC, incl. shipping) | 49 USD |
| FX fee (non-USD spend) | 1.7% |
| Conversion fee (top-up) | 0.05% |
| ATM fee | 1% of amount or 5 USD per transaction, whichever is higher |
| Daily spending limit | 50,000 USD |
| Annual spending limit | 990,000 USD |
| ATM per-transaction limit | 3,000 USD |
| ATM daily limit | 10,000 USD (max 20 withdrawals) |
| ATM monthly limit | 100,000 USD (max 30 withdrawals) |
For ATM withdrawals on the physical card, the fee structure above applies, and some ATM operators add their own fee on top. Limits and fees differ from the official schedule in some third-party sources, which is worth keeping in mind. Unofficial reports list a top-up fee of 1% in some help center pages, while Bitget’s own blog articles say 0%. One third-party source says the physical card is exempt from the FX fee for the first 600 USD of monthly spend; that is unofficial and not stated in the official APAC FAQ.
Three everyday payments, and what they cost
Picture a coffee for 4 EUR. Your card converts USDT to EUR at the spot rate, the 0.05% conversion fee applies, and the 1.7% FX fee applies because the merchant settles in EUR. On a small purchase the FX fee will dominate the total cost, and the assetback rebate may or may not cover it depending on whether you have hit the monthly threshold.
Picture a monthly subscription of 30 USD. Because the merchant settles in USD, there is no FX fee, only the 0.05% conversion fee when the card balance was originally loaded from crypto. The assetback rebate is designed to absorb that small fee once the monthly threshold is reached.
Picture withdrawing 200 USD from an ATM abroad. The ATM fee is 1% of 200, or 5 USD, whichever is higher, so 5 USD. If the ATM dispenses local currency, the FX fee of 1.7% applies on top. Some ATM operators add their own surcharge. The withdrawal also counts toward the daily spend limit.
How to Top It Up
The card takes four coins: USDT, USDC, ETH, and SOL. The top-up happens inside the Bitget Wallet app, and the card then spends the converted balance. There is no fiat top-up path described in the materials reviewed, so this is a crypto-in, fiat-out card rather than a card you can fund from a bank account.
The minimum top-up amount is not stated. The conversion fee is 0.05%, and once the monthly spend threshold is reached, the assetback programme is designed to cover the cost of top-up and currency conversion. Beyond the monthly allowance, the standard fees apply.
Because the card sits on top of a self-custody wallet, the deposit that funds the top-up starts as an on-chain transfer. Two things follow from that. First, the network fee (gas on Ethereum, priority fees on Solana) is charged by the blockchain, not by Bitget, and is not refundable. Second, the network you send on matters: send USDT on a network the card does not support, and the funds can be lost or stranded. There is no general description of how to recover from that situation in the materials reviewed.
One detail worth knowing: if you lose your seed phrase, an already-activated card will keep spending the balance, but topping up, withdrawing from the card, and recovering the card all become impossible. The card is only as recoverable as the wallet behind it.
Paying With It Every Day
The card works wherever Visa or Mastercard is accepted. The virtual card can be linked to Apple Pay, Google Pay, PayPal, Alipay, and WeChat Pay, which covers most online checkout flows and a wide range of in-store contactless payments. The physical card works in stores and at supported Visa ATMs.
Assetback rewards are paid in BTC, gold, US stocks, or USDC, and you can change the reward asset once per calendar month. Some merchant category codes (MCCs) are excluded from rewards, and refunds, reversals, and cancelled transactions do not earn assetback, which is standard among cards that pay cashback. The specific blocked merchant categories are not publicly listed.
A practical limitation: the physical card is only available in the nine APAC countries listed earlier, so if you live elsewhere, the virtual card linked to a mobile wallet is your only option. That is fine for online spending and contactless in-store payments, but it rules out cash withdrawals and any merchant that does not accept mobile wallet or virtual card numbers.
The app store ratings for the Bitget Wallet app were not checked in this review. That is a useful signal to look up before installing, since the card experience runs through the app.
If a transaction goes wrong, the help articles “Refunds and cash withdrawals” and “Issues with purchases, refunds, or cash withdrawals” exist, but their full text was not consulted, and the time frames for disputes and chargebacks are not stated in the public materials reviewed.
What Can Go Wrong
The most important thing to know is that the card’s issuing partners are not publicly named. Bitget issues the card, and its partner banks or e-money institutions vary by region, but the names are not on Bitget’s help pages. One third-party report mentions a partner called OSL Pay, but that is unofficial. For a card product, this is a meaningful gap: you cannot easily check the regulator behind the card, the licence number, or the deposit guarantee scheme that would apply if the issuer failed.
Support is the other weak point. A third-party catalog lists the Bitget Wallet Card at 3.4 out of 5 on Trustpilot across 82 reviews, with the lowest marks for support and transparency. The themes in user reports are automated generic replies, slow or no response, and Bitget not replying publicly to negative reviews. The wider Bitget exchange carries a Trustpilot score of around 2 out of 5 across roughly 2,000 reviews, with support and account verification as recurring themes. One reviewer mentioned both Bitget and a partner (OSL Pay) stopping communication after a loss; that is a single data point, not a pattern, but it is the kind of experience that should make any user keep transaction records.
A second risk is the self-custody model itself. The card is only as recoverable as the seed phrase behind the wallet. If the seed phrase is lost, the card still spends its current balance but cannot be topped up or recovered. If the seed phrase is stolen, the funds behind the card are stolen. The card’s freeze function, available under Card > Manage > Freeze Card, blocks the card number but does not freeze the wallet.
A third risk is regulatory change. The official press release for the physical card dates from 1 April 2026, and a third-party source says the older exchange-branded Bitget Card stopped accepting new applications on 1 August 2026. Programme closures in this category are not unprecedented, and when they happen, users typically get a notice period, then loading and spending stop, and remaining balances are returned. The general pattern from the wider category is well documented, including the FTX programme wound down in November 2022 and the 2018 suspension of WaveCrest by Visa in Europe.
Finally, the fee and limit schedule is partly contradictory between official and third-party sources. Unofficial reports cite a top-up fee of 1%, a physical card daily limit of 120,000 USD, a yearly limit of 150,000 USD, and an FX-free allowance of 600 USD per month. None of those figures appear in the official APAC FAQ. The safest approach is to confirm the schedule in the in-app Card page before you commit meaningful funds.
What to Take Instead
Three other crypto cards give a useful sense of where Bitget sits in the market. The scores below come from independent reviews of each product; they are not a ranking, and the right card for any one person depends on where they live, which tokens they hold, and what they value most.
TokenPocket Card (5.8/10). Available as a Visa debit in a list of European countries including Germany, France, Spain, and Switzerland, and as a Mastercard debit in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea, and the UK. The Americas were “planned for Q2 2025”, so check current availability. The card runs on Arbitrum, balances are held in EUR24 and USD24, and the only stated fee is a 1% crypto deposit fee that is later refunded through rewards. There is no cashback programme. TokenPocket is a reasonable alternative if you live in its European list and want a card that spends stablecoins on Arbitrum, but the cashback is essentially zero and the deposit fee is a moving part.
MetaMask Card (7.1/10). Sign-up is open in 45 listed countries and territories, with a waitlist for others. Proof of residency is required, and sign-ups in the US and UK are temporarily closed per the FAQ. The card is a Mastercard issued by Monovate, with Crypto Life as card provider. The virtual card is free, with no annual or maintenance fee, and the Metal tier is 199 USD per year. The card spends directly from the connected wallet, supports Linea, Base, Monad, and Solana, and accepts mUSD, wETH, EURe, GBPe, USDC, and USDT (nine tokens are listed in total). Cashback is paid in mUSD: 1% on Virtual and headline 3% on Metal, though Metal’s 3% is limited to the first 10,000 USD of spend, then drops to 1%. This is the strongest alternative for someone who already lives inside MetaMask.
KAST (6.1/10). Available on a residence-based list shown at KYC, with no public country list. Citizenship matters as well as residence. The card is available in virtual and physical form, up to 10 cards per user, on Visa Platinum (Standard), Visa Infinite metal (Premium), and Visa Infinite gold plated (Private). Account balance is in USD, with stablecoin deposits converted 1:1 at 0% spread. Annual membership is 0 USD (Standard), 1,000 USD (Premium), or 10,000 USD (Private). Stablecoin top-up and card spend in USD are both 0%; non-USD FX fees range from 0.5% to 1.75% depending on country and card tier. Cashback is paid in USD: 1.5% on Standard (capped at 2,000 USD/month), 2% on Premium (10,000 USD/month), 3% on Private (40,000 USD/month). KAST is the strongest alternative if you want US-dollar balance and rewards paid in USD, but the Premium and Private tiers are expensive.
Comparison at a glance
| Card | Where | Cashback | Notable cost | Standout feature |
|---|---|---|---|---|
| Bitget | 50+ countries; physical in 9 APAC markets | 2-3% (assetback) | 1.7% FX; 0.05% conversion; 49 USD physical | Self-custody with USDT/USDC/ETH/SOL top-up |
| TokenPocket | Europe + Asia-Pacific lists | None stated | 1% deposit (refunded) | Arbitrum-native stablecoin spending |
| MetaMask | 45 countries; US/UK closed | 1% Virtual; 3% Metal (capped) | 199 USD/year Metal | Spends directly from MetaMask wallet |
| KAST | Residence list (not published) | 1.5-3% USD | 1,000-10,000 USD/year premium tiers | US-dollar balance with 0% spend fee |
Who I Would Recommend It To
The Bitget card is the right card in a narrow set of circumstances. If you already keep USDT, USDC, ETH, or SOL in Bitget Wallet, and you want to spend that balance at point of sale or online without first sending funds to a centralised exchange, the card is a good fit. The assetback rebate is a genuine benefit once you cross the monthly spend threshold, the FX and conversion fees are within the range you would expect, and the self-custody model means your funds are not sitting on a third-party platform between top-up and spend.
If you live in Singapore, South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand, or the Philippines, the physical card is available to you, and that makes the card more useful in day-to-day life. If you live elsewhere, the virtual card plus a mobile wallet is the only path, which is fine for online spending and contactless in-store payments but rules out cash.
The card is not the right choice if you want a fully transparent fee schedule with named issuers and licences, if you place a high value on dispute resolution and support responsiveness, or if you are not already inside the Bitget Wallet ecosystem. The unreliability of support and the lack of public issuer information are real gaps.
A reasonable amount to start with, if you decide to try the card, is the smallest stablecoin balance you would actually spend in a month. That lets you test the top-up flow, the assetback rebate, and the FX behaviour with a real merchant before committing more. Keep records of every top-up, because each one is a taxable disposal in most jurisdictions where crypto is treated as property.
Frequently Asked Questions
What is the Bitget card?
The Bitget card is a Visa or Mastercard payment card issued through partners of Bitget Wallet, the self-custody crypto wallet app. The card is an extension of the wallet, so it spends the crypto balance in your own wallet rather than funds held by Bitget on your behalf.
How does the Bitget card work?
You top up the card by converting USDT, USDC, ETH, or SOL from your Bitget Wallet into the card’s spendable balance. The card then pays merchants in fiat wherever Visa or Mastercard is accepted, with the FX fee of 1.7% and conversion fee of 0.05% applied as needed.
Is Bitget a bank?
No. Bitget is a crypto exchange and wallet provider. The card itself is issued by partner banks or e-money institutions that vary by region, and those partners are not publicly named by Bitget.
Who owns Bitget?
Bitget operates the Bitget Wallet app that fronts the card. The card’s issuing partners, which actually hold the card programme, are not named in Bitget’s public materials.
Is the Bitget card available in the United States?
No, the US is not supported, according to third-party sources. Bitget’s own pages do not list the US as available. Other unsupported countries are not listed either, so the only reliable way to check is to install the app and look at the in-app country selector.
How do I get the Bitget card?
Install the Bitget Wallet app, complete identity verification under Wallet > Card, and apply. Approval can come in about a minute if the submitted ID is complete. The virtual card is the default; a physical card requires that you be a citizen or resident of one of the nine listed APAC countries.
Does the Bitget card require KYC?
Yes. You submit an ID document in the app as part of the card application. Approval is described as taking about a minute if the information is complete, with no further tiered verification described in the materials reviewed.
How do I add the Bitget card to Apple Wallet?
The virtual card can be linked to Apple Pay from within the Bitget Wallet app. The exact tap path is not described in the help articles reviewed, but tokenisation of the card number is supported for Apple Pay, Google Pay, PayPal, Alipay, and WeChat Pay.
How do I top up the Bitget card?
You convert USDT, USDC, ETH, or SOL from your Bitget Wallet into the card balance. The conversion fee is 0.05%, and the assetback rebate is designed to cover that fee once you reach the monthly spend threshold.
Is the Bitget card safe?
The card uses standard safeguards including 3-D Secure for online payments, an in-app freeze function, and tokenised mobile wallet support. The risks specific to this product are weak support reputation, the unnamed issuing partners, and the self-custody model, which puts the burden of seed phrase security entirely on you.
Wallet card fees and costs – cryptocardfacts
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