Last updated: May, 22nd 2025

These Terms and Conditions ("Terms") govern your use of credit cards arranged or facilitated by Bybit Technologies Limited ("Company", "we", "our", or "us") through its Partners. Please read these Terms carefully. By registering for or using the Services, you agree to be bound by these Terms.

1. INTRODUCTION

1.1 The Company facilitates the issuance of credit cards through its licensed third-party partners ("Partners"). Based on your eligibility, a card may be issued to you via one of the Partners.

1.2 You must maintain a fully funded account with the Company ("Bybit Wallet") sufficient to cover any and all spending incurred via the credit card for its period of validity.

2. ELIGIBILITY AND REGISTRATION

2.1 You must:

1. Be of legal age and have capacity to contract under applicable laws.

2. Reside in a jurisdiction eligible for card issuance as determined by the Company and its Partners.

3. Comply with all applicable laws, including anti-money laundering(AML) and know-your-customer (KYC) requirements.

4. Provide all verification and identification documentation as required by the Company or its Partners.

2.2 You agree to keep your registration information accurate and up to date. Failure to do so may result in suspension or termination of your access to the Services.

2.3 The Company reserves the right to modify, suspend, or terminate your access to the Services at any time, at its sole discretion.

3. CREDIT LIMIT AND REPAYMENT

3.1 The credit limit of the card issued to you shall be determined solely by the Partner and may be adjusted at its discretion.

3.2 You hereby authorize the Company to freeze and deduct the necessary amount of virtual assets from your Bybit Wallet to settle any outstanding credit card transactions. This authorization remains valid after card expiry for transactions approved during the validity period.

3.3 Refunds processed to your credit card will be returned to your Bybit Wallet within two (2) working days of receipt by the Partner.

4. FEES

4.1 The Company may charge the following fees:

1. Crypto Conversion Fee: 0.9%

2. Card Issuance Fee: Free for virtual cards; physical card fees quoted based on delivery location

3. ATM Withdrawal Fee: First USD 100 per calendar month is free; 2% thereafter

4. Foreign Currency Conversion Fee: 2%

5. Monthly Maintenance Fee: None

4.2 The Company may revise fees from time to time. Updated fees will be published on the Platform.

4.3 Third-party charges (e.g., ATM operator fees) may apply and are your responsibility.

5. TRANSACTION LIMITS

5.1 Regardless of your credit limit, transaction limits based on your verification level apply as follows:

5.2 The Company may revise transaction limits or your assigned level at any time at its sole discretion.

6. TRANSACTION PROCESSING AND SECURITY

6.1 You must keep your card credentials and login details secure.

6.2 You must report unauthorized transactions immediately. Disputes must be submitted within thirty (30) days of transaction posting.

6.3 The Company is not liable for failed, declined, or delayed transactions due to technical, regulatory, or external factors.

6.4 Chargeback requests are subject to review and may require supporting documents.

6.5 The card must not be used for unlawful or prohibited purposes. We may terminate services if illegal activity is suspected.

7. SUSPENSION AND TERMINATION

7.1 We may suspend or terminate access to the Services due to:

1. Regulatory compliance,

2. Fraudulent activity,

3. Instruction from one of the Partners,

4. Breach of these Terms.

7.2 You may terminate use of the Services by contacting us and completing all required closure procedures.

8. LIABILITY AND DISCLAIMERS

8.1 The Services are provided on an “as is” and “as available” basis, without warranties of any kind.

8.2 The Company is not responsible for:

1. Loss due to third-party actions, including merchants, networks, or regulators;

2. Any indirect, consequential, or incidental damages.

8.3 Our liability shall be limited to the maximum extent permitted by applicable law.

9. GOVERNING LAW AND DISPUTE RESOLUTION

9.1 These Terms shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law principles.

9.2 If you are a consumer and have a complaint, we encourage you to first contact our support team at support@bybit.com.

9.3 If the complaint is not resolved to your satisfaction, you may refer the matter to the Singapore International Mediation Centre (SIMC) for mediation, followed by arbitration at the Singapore International Arbitration Centre (SIAC) under the SIAC Rules if mediation fails.

9.4 The language of arbitration shall be English. The seat of arbitration shall be Singapore. Each party shall bear its own costs unless otherwise decided by the tribunal.

10. GENERAL

10.1 The Company reserves the right to update these Terms at any time. Continued use of the Services constitutes your acceptance of the updated Terms.

10.2 If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

10.3 These Terms constitute the entire agreement between you and the Company regarding the Services.