BitMart Card

Overview

What is the BitMart Card?

The BitMart Card is a Visa crypto payment card connected to a BitMart account. Supported cryptocurrencies held in the account are converted into USD in real time when a purchase is made, so the card can be used for online payments and at Visa merchants worldwide. It shares its balance with the user’s Spot Account, comes as a free virtual card or as a plastic / Platinum metal physical card, and pays cashback that varies by spending category and VIP level.

Among exchange-issued cards the closest comparisons are the Gate Card and KuCoin’s KuCard. Our best crypto cards directory compares category cashback, metal-card pricing and where each card is actually available.

Credit card or debit card?

BitMart’s own documentation uses inconsistent terminology. The product FAQ describes the card as essentially a credit card that requires a sufficient cryptocurrency balance, while the BitMart Card user guide describes it as a multi-currency crypto debit card. Bitnxt lists it as a crypto payment card. Either way it is not a conventional bank credit facility: payments require enough supported assets in the BitMart account to cover the transaction.

How spending works

When a purchase is made, BitMart converts the account balance into USD in real time and settles the transaction through Visa. The default spending deduction order is USDT → USDC → BTC → ETH → BMX, and other supported assets can cover the payment as long as a sufficient balance is available. The card shares funds with the Spot Account, so no separate top-up step is needed.

Application and eligibility

All BitMart users can apply, but Identity Verification Level 2 (KYC Lv.2) must be completed and additional documents may be requested. Once approved, a virtual card is issued immediately for online payments and can be added to Google Pay, while a physical card is shipped with tracking available in the account. Availability is subject to jurisdiction and compliance restrictions.

Known restriction: BitMart suspended new virtual-card applications in Bangladesh from 26 June 2026.

Official sources

Card data last verified 13 August 2026; the product page and its FAQ were re-checked on 5 October 2026.

Features & Benefits

BitMart Card features

Virtual, plastic and metal cards — a free virtual card for online payments, a plastic card for everyday use and a Platinum metal card with unlimited spending.
Real-time crypto-to-USD conversion — the account balance is converted when the transaction happens, with settlement in USD.
12 supported cryptocurrencies — USDT, USDC, BTC, ETH, SOL, ADA, BMX, XRP, LTC, DOGE, TON and BNB are officially listed as card-supported.
Shared Spot Account balance — the card draws on the same funds as the Spot Account rather than needing a separate top-up.
Global Visa acceptance — BitMart states the card works at Visa merchants worldwide, a network of more than 50 million partner merchants.
Cashback by category — higher rates for grocery, dining, supermarket and online-shopping spending, with monthly caps by VIP level.
Google Pay support — the virtual card can be added to Google Pay for contactless payments.
ATM cash withdrawals — physical cards can withdraw cash at Visa-logo ATMs, subject to limits and fees.
No annual or inactivity fees — the virtual card is issued free, and annual, inactivity and cancellation fees are all zero.

Card options

Virtual Card: $10,000 daily limit · application fee 0.00 USD · ATM withdrawals not available
BitMart Card (plastic): $50,000 daily limit · application fee 70.00 USD · 2% ATM cash withdrawal fee
Platinum Card (metal): unlimited daily limit · application fee 120.00 USD · 1.5% ATM withdrawal fee

VIP issuance benefits

Regular: virtual free · plastic $70 · Platinum metal $120
VIP 1–2: virtual free · plastic free · Platinum metal $70
VIP 3–4: virtual, plastic and Platinum metal all free
VIP 5–8: virtual, plastic and Platinum metal all free

Where you can use it

Online payments, physical point-of-sale terminals and international Visa merchants, plus ATM cash withdrawals with a physical card. Google Pay is officially supported for the virtual card. Apple Pay is not officially confirmed by BitMart — older campaign material described it as coming soon, so it should not be assumed.

Supported Cryptocurrencies

Supported cryptocurrencies

BitMart officially lists 12 card-supported assets, and markets the card as supporting more than 11 cryptocurrencies. Only these assets can fund card payments — not every coin traded on BitMart is card-compatible.

USDT
USDC
BTC
ETH
SOL
ADA
BMX
XRP
LTC
DOGE
TON
BNB

Spending deduction order

BitMart’s published default deduction order is USDT → USDC → BTC → ETH → BMX. A sufficient balance of a supported asset must be available in the BitMart account for the payment to succeed, and the card draws on the same balance as the Spot Account.

How the conversion works

Each purchase converts the account balance into USD in real time, and the card settles in USD through the Visa network. Because the conversion happens at the moment of payment, the amount deducted depends on the rate at that time rather than a rate set in advance.

Fees & Limits

BitMart Card fees and limits

Fees at a glance

Virtual card issuance: Free (application fee 0.00 USD)
Plastic BitMart Card: $70 application fee for regular users
Platinum metal card: $120 application fee for regular users
Annual fee: None
Inactivity fee: None
Card cancellation fee: None
Card transaction fee: 1.3% — labelled a card transaction fee on the product page and described as a foreign exchange fee in earlier BitMart documentation
ATM withdrawal fee: 2% on the plastic card, 1.5% on the Platinum metal card, with VIP free-withdrawal allowances
Replacement fee: virtual free · plastic $70 · Platinum metal $120

Physical-card issuance and ATM benefits can be waived or reduced according to VIP level. BitMart does not publish every possible fee, and unknown fees should not be read as zero.

Spending limits

Virtual card: $10,000 daily limit
Plastic card: $50,000 daily limit
Platinum metal card: unlimited daily limit
Published monthly and annual spending limits: none

“Unlimited” reflects BitMart’s published card limits only — transactions remain subject to account balance, compliance, Visa, merchant and risk-control restrictions.

ATM limits and allowances

Daily withdrawal: $2,000
Monthly withdrawal: $20,000
Annual withdrawal: unlimited
Withdrawal frequency: 3 per day · 30 per month
VIP fee-free allowances: $200 (regular), $300 (VIP 1–2), $500 (VIP 3–4), $1,000 (VIP 5–8) per month

Only physical cards support ATM withdrawals. ATM withdrawals are suspended in the FATF-blacklisted countries BitMart lists — the Democratic People’s Republic of Korea, Iran and Myanmar.

Cashback and rewards

General spending: 1% for regular users, up to 3% for VIP users
Grocery, dining, supermarkets and convenience stores: 5.5% during the first month after activation, then 5.0%
Online shopping and wallet-linked payments: 4.0% during the first month, then 3.5% (BitMart gives food delivery, Uber and Netflix as examples)
Monthly cashback caps: $20 (regular), $200 (VIP 1–2), $750 (VIP 3–4), $1,500 (VIP 5–8)

The extra 0.5% in the categories above is a first-30-days activation benefit, not permanent cashback. Cashback is settled around the middle of the following month. It is separate from BitMart Card Bonus vouchers, which are promotional vouchers earned through campaigns, tasks and referrals to offset card spending — a Card Bonus is not guaranteed cashback.

Pros & Cons

Pros

Free virtual card with no annual, inactivity or cancellation fee
12 officially listed cryptocurrencies can fund payments
5.5% first-month cashback on grocery, dining and supermarket spending (5.0% after)
Plastic and Platinum metal physical card options with ATM access
Real-time crypto-to-USD conversion at the point of sale
Google Pay support on the virtual card
VIP levels unlock free card issuance and monthly fee-free ATM allowances

Cons

Physical cards cost $70 (plastic) and $120 (metal) for regular users
A 1.3% card transaction fee applies, described as an FX fee in earlier documentation
Cashback rates depend on category, VIP level and monthly caps
Only $10,000 of daily spending on the free virtual card
Apple Pay is not officially confirmed
BitMart’s own documentation disagrees on whether the card is a credit or debit card
New virtual-card applications are suspended in Bangladesh

Frequently Asked Questions

Who can apply for the BitMart Card?

All BitMart users can apply, but Identity Verification Level 2 (KYC Lv.2) must be completed first and additional documents may be requested during the application. Approval is subject to BitMart Card eligibility requirements and availability, which varies by jurisdiction.

Is the BitMart Card a debit card or a credit card?

BitMart’s documentation is inconsistent. The product FAQ describes it as essentially a credit card that requires a sufficient cryptocurrency balance, while the user guide describes it as a multi-currency crypto debit card. It is not a conventional bank credit card: payments need enough supported assets in your BitMart account, which the card shares with your Spot Account.

What fees does the BitMart Card charge?

The virtual card is issued free, the plastic card costs $70 and the Platinum metal card $120 for regular users. Annual, inactivity and cancellation fees are zero. A 1.3% card transaction fee applies — the product page calls it a card transaction fee, and earlier BitMart documentation described it as a foreign exchange fee. ATM withdrawals cost 2% on the plastic card and 1.5% on the Platinum card.

How much cashback does the BitMart Card pay?

General spending earns 1% for regular users and up to 3% for VIP users. Grocery, dining, supermarket and convenience-store spending earns 5.5% in the first month after activation and 5.0% after that, while online shopping and wallet-linked payments earn 4.0% in the first month and 3.5% after. Monthly caps are $20, $200, $750 and $1,500 depending on VIP level, and cashback settles around the middle of the following month.

What are the spending limits?

The free virtual card has a $10,000 daily limit, the plastic card $50,000 daily, and the Platinum metal card has an unlimited published daily limit. BitMart does not publish monthly or annual spending caps, and all transactions still depend on your account balance and compliance checks.

What are the ATM limits?

Physical cards can withdraw up to $2,000 per day and $20,000 per month, with a maximum of 3 withdrawals per day and 30 per month, and no published annual cap. Only physical cards support cash withdrawals — the virtual card cannot be used at an ATM.

Which cryptocurrencies are supported?

USDT, USDC, BTC, ETH, SOL, ADA, BMX, XRP, LTC, DOGE, TON and BNB are officially listed as card-supported. The default deduction order is USDT, then USDC, BTC, ETH and BMX, and a sufficient balance of a supported asset must be available for a payment to succeed.

Can I use the BitMart Card at ATMs?

Yes, with a physical card, at ATMs displaying the Visa logo. Withdrawal fees and limits apply, ATM withdrawals are suspended in the FATF-blacklisted countries BitMart lists (the Democratic People’s Republic of Korea, Iran and Myanmar), and VIP levels include monthly fee-free withdrawal allowances of $200 to $1,000.

Does the BitMart Card work with Google Pay and Apple Pay?

Google Pay is officially supported — BitMart states the virtual card can be added to Google Pay. Apple Pay is not officially confirmed, and older campaign material only described it as coming soon, so treat Apple Pay as unverified until BitMart states otherwise.

Is the card available where I live?

The card is available to eligible BitMart users subject to jurisdiction and compliance restrictions. BitMart suspended new virtual-card applications in Bangladesh from 26 June 2026, and international Visa acceptance does not mean universal eligibility to apply.