Bitunix Card

What is the Bitunix Card?

The Bitunix Card is a Visa card from crypto exchange Bitunix that turns your trading balance into spendable money. You fund it by moving USDT from your Bitunix Spot or Futures account into a dedicated Card Account, and the card then pays at Visa merchants — online, in stores and through digital wallets — with conversion happening at the point of sale.

The pitch is cost. Bitunix advertises zero card issuance, monthly, annual and crypto conversion fees, plus 0%–8% cashback depending on your VIP tier. What remains is a network fee of 0.51% on USD transactions and 1.5% on non-USD transactions, which the company positions as coverable through cashback.

How it works

You need a verified Bitunix account: sign up, complete identity verification, confirm your residential address and apply. Once the application is approved the virtual card is issued and ready to use. Top-ups are then internal transfers — USDT moves from your Spot or Futures balance into the Card Account, so there is no on-chain transfer fee and no waiting on a blockchain confirmation.

Virtual first

The first release is a virtual card, intended for online payments and digital wallets. Bitunix states that physical cards are planned for a future phase, so this is not yet a card for ATM cash withdrawals or in-store tap with plastic.

Cashback

Cashback is advertised at up to 8% on daily spending, with the rate determined by your Bitunix VIP tier, and up to 1,000 USDT per month in rewards. It is calculated on the final settled amount — excluding fees — and credited in USDT to your Card Account once the transaction settles. Certain merchant category codes, refunds, chargebacks, cash-like transactions and abusive activity do not count as eligible spending.

Wallets and acceptance

The card runs on the Visa network and can be added to Apple Pay, Google Pay, Samsung Pay, Alipay, WeChat Pay, PayPal, LINE Pay and GrabPay. Bitunix illustrates typical usage with Amazon, Booking.com, Uber, Grab, Netflix, Spotify, Airbnb, Shopee, eBay, Shopify and ChatGPT — ordinary e-commerce, travel, subscriptions and food delivery.

Eligibility and availability

Applications are open to users who have completed KYC. Bitunix notes that availability varies by region and local regulation, and cashback rates track your exchange VIP tier, which is tied to your activity and holdings on Bitunix.

Who it suits

The Bitunix Card makes most sense for people who already trade on Bitunix and want to spend USDT without moving it off the platform: no issuance cost, no monthly fee, no conversion fee, and top-ups that settle instantly from the trading balance. Anyone who needs ATM cash, a physical card, or a card that works without a Bitunix account should wait for the physical release or weigh it against the wider crypto cards directory, where exchange-issued cards such as the Bitget Card sit alongside app-based issuers.

Bitunix Card features

• Zero issuance cost — no card issuance, monthly maintenance or annual fee.
• No crypto conversion fee — Bitunix charges nothing to convert crypto when the card pays.
• Virtual card issued after approval — usable immediately for online payments and digital wallets.
• Instant internal top-ups — move USDT from your Spot or Futures account to the Card Account with no on-chain fee.
• Visa acceptance — spend online and in stores wherever Visa is taken, with global coverage.
• Eight supported wallets — Apple Pay, Google Pay, Samsung Pay, Alipay, WeChat Pay, PayPal, LINE Pay and GrabPay.
• Up to 8% cashback — tiered by Bitunix VIP level and paid in USDT, with up to 1,000 USDT per month advertised.
• Balance yield — Bitunix promotes an annualised yield on the card balance, so unspent funds keep earning while you spend.
• Referral rewards — 10 USDT for you and 5 USDT for your friend once they activate the card and reach 100 USDT of qualified spending. The reward window was advertised with an October 31 deadline.
• One account for trading and spending — no separate wallet, issuer sign-up or funding route is required.

Spending categories it suits

Everyday online shopping, travel and hotel bookings, ride-hailing and food delivery, software and AI subscriptions, and streaming services — the categories Bitunix itself illustrates on the card page.

Supported cryptocurrencies

The Bitunix Card is funded with USDT. Top-ups are internal transfers: move USDT from your Bitunix Spot account or Futures account into the Card Account, and that balance settles card payments in fiat. No other funding asset is documented on the card page.

Funding route

• USDT from Spot — instant internal transfer with no network fee.
• USDT from Futures — the same transfer from your derivatives balance.
• Card Account balance — held by Bitunix and spent as fiat at the point of sale, with cashback credited back here in USDT.

Conversion

Conversion happens automatically when the card pays and Bitunix charges no crypto conversion fee for it. The only conversion-adjacent cost is the network fee: 0.51% on USD transactions and 1.5% on non-USD transactions. Because funding comes from your exchange balance, other assets can be swapped to USDT on Bitunix first if you want to spend them.

Rewards currency

Cashback is paid in USDT to the Card Account after settlement, so rewards arrive in a stablecoin rather than the exchange's own token.

Bitunix Card fees

The card's selling point is that the usual card costs are set to zero. The charges that do apply are applied per payment as network and small-amount fees.

Charged at zero

What you do pay

• 0.51% on USD transactions, 1.5% on non-USD transactions — charged as a network fee when the card pays.
• 0.3 USDT small-amount fee on transactions below roughly 10 USD, waived for your first three transactions each month.
• Third-party surcharges from merchants or platforms are set independently and are outside Bitunix's control.

Cost example

Spending $1,000 in a USD transaction costs about $5.10 in network fees, and a non-USD purchase of the same size about $15 — offset by cashback of up to 8% at the highest VIP tier. Card funding itself is free because top-ups are internal USDT transfers from your trading balance.

One cost the card does not show is tax: in most jurisdictions spending crypto counts as a disposal for tax purposes, so every card payment is worth recording. A crypto tax software tool that imports exchange and wallet activity reconciles card spending with the rest of your trading year.

Not published

• ATM withdrawal fees and limits — the physical card has not launched
• Physical card pricing, shipping and delivery costs
• Cashback rate for each VIP tier (only the 0%–8% range is published)
• Card replacement or reissue fees