What is the QBIT Card?
QBIT Cards are business cards from Qbit, a cross-border payments platform for companies rather than a consumer crypto card. Qbit holds a Visa Hong Kong principal membership, which means it is directly authorised by Visa to issue cards rather than relying on someone else’s BIN sponsorship, and it also carries payment licences in Hong Kong, the United States and Canada.
The product is positioned as an expense management tool: create cards in minutes, hand them to employees or campaigns, set budgets and merchant rules, and watch spend in real time from one dashboard. The cards work anywhere Visa and Mastercard are accepted, online and in store, and can be bound to PayPal, Apple Pay, Google Pay and Alipay.
Two card models
Qbit issues the card in two forms, and the difference matters when you are deciding how to control spend. A stored-value card holds its own loaded balance, so funds sit on the card itself. A budget card — Qbit’s zero-balance design — holds nothing at all: each card draws on a Budget Group cap that the administrator sets against the shared card account balance, so a card can never carry more spending power than the budget it belongs to. Both models are issued in bulk, and both can carry merchant-category rules, expiry windows, usage-scene whitelists and blacklists, and per-card limits.
Beyond employee cards, the same rails cover single-use cards for procurement, cards for paying freelancers and contractors, and card-based vendor payments, which is why the programme is popular with teams that run a lot of small international payments.
Built around ad spend and BIN reliability
Qbit’s marketing leans on one specific pain: card acceptance at advertising platforms. It runs 30+ card BINs, publishes a BIN acceptance-rate lookup tool, recommends which BIN to issue for a target platform based on its own transaction data, and released a US BIN tuned for advertising that supports US-region transactions. Ad spend also carries the programme’s most attractive reward: a rebate of up to 2.2% on advertising consumption during its campaigns, with cross-border fee waivers available on request for the newer BINs. Those rebates are promotional rather than a permanent cashback rate, and campaigns have also covered AI subscription spend at up to 50% subsidy.
Virtual and physical
Virtual cards are created online and can be used immediately. The physical card adds a chip and PIN, works in stores and online, can be bound to Apple Pay and Google Pay, sends real-time notifications for large transactions, and is marketed with local-currency ATM cash withdrawal. Card faces can be customised for brand or white-label programmes, and a VIP tier is offered with additional benefits.
One inconsistency is worth knowing before you rely on that ATM feature. Qbit’s physical-card help entry and card page both describe ATM cash withdrawal in local currency, but the Qbit Card Agreement states that cardholders may not use cards for cash advances or withdrawals. If ATM access matters to you, get the position confirmed in writing before applying.
How cards are funded
Money reaches the card account in a few documented ways: a transfer from a Qbit Global Account, a wire from an overseas bank account in the same company name (with the remittance slip reviewed before credit), and, per Qbit’s card page, top-ups via e-wallet and store or marketplace payouts. Funding normally lands within 0–3 business days, depending on the bank. The card account is explicitly not a bank account and the balance earns no interest.
Crypto funding is the notable gap for this directory. Qbit’s own documentation describes bank, multi-currency, e-wallet and marketplace routes only — there is no published USDT or stablecoin top-up, so crypto top-ups described in third-party guides should be treated as unofficial. Companies that need to move between fiat and digital assets for treasury purposes can compare providers in the crypto OTC directory, and for crypto-native corporate spending the Ramp card in this directory is the closer analogue on the expense-management side.
Fees
Card issuance is cheap and, on Qbit’s own BINs, free: the help centre states $0 per card on self-issued BINs, and on other BIN segments the first ten cards are free with $1 per card thereafter. Local-currency spending from the multi-currency balance carries no FX fee, and Qbit has marketed zero card fee, zero top-up fee and zero cross-border fee.
The card agreement is less generous than that marketing. It provides for a 2% one-time charge on transfers from your own bank account or multi-currency account into the card account, plus the $1 issuance fee, and reserves the right to introduce a handling fee where a card generates a disproportionate volume of declines, refunds or disputes. Qbit may also change fees with fifteen days’ notice. Internal moves between the Qbit account and cards are described as free in the FAQ, which suggests the 2% clause is not currently applied — but since the two documents disagree, confirm the position in your own account terms before funding at scale. There is no published ATM fee schedule.
Licensing and controls
The compliance stack is the strongest part of the product: Visa Hong Kong principal membership, a Hong Kong Money Service Operator licence held since 2020, Hong Kong TCSP registration, a US MSB registration with FinCEN dating to 2019, Canadian MSB registration with FINTRAC, and PCI DSS Level 1 for card data. KYC and KYB apply to the business, and cardholders go through their own identity checks. On the control side, transactions can be restricted by merchant category, currency, time window and limit; cards can be frozen or cancelled instantly; approval workflows can be layered by role; and employee card details stay hidden from the main administrator, who sees only the last four digits.
Who it suits
This is a card for companies, not individuals: cross-border e-commerce sellers, game and app studios, agencies and media buyers who need many cards, tight budget control and reliable acceptance at advertising platforms, paid for out of a multi-currency balance. It suits crypto businesses in exactly that role — paying for ads, subscriptions, cloud and travel — while offering no crypto rails of its own. It suits less well anyone who wants personal use, a stablecoin-funded balance, published ATM pricing, or a permanent cashback rate rather than campaign rebates. Start with the crypto cards directory to see how it compares with the consumer cards alongside it.
