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Bybit Card & Pay transforms everyday spending into crypto rewards, and holding MNT supercharges this advantage with exclusive boosts. MNT unlocks optional cashback tokens (alongside USDC, USDT and BTC), extra rates via Points Mall and 0% crypto conversion fees on purchases of over 100 MNT.
Key Takeaways:
Hold any amount of MNT to unlock enhanced cashback multipliers and faster VIP upgrades on Bybit Card & Pay.
Spend over 100 MNT on card purchases to completely eliminate the standard 0.9% crypto conversion fee.
Choose MNT as your cashback token in Points Mall for a 2% base rate, plus additional holding bonuses.
Bybit Card, backed by Mastercard's global network, has issued over 1.5 million cards in just two years, while Bybit Pay provides seamless crypto payments for online merchants. Both payment methods work together in a unified rewards system with which your spending across both platforms combines into a single total for tier qualification and point accumulation.
The Bybit Card supports major cryptocurrencies, including BTC, ETH, XRP, USDT, USDC, TON, MNT and BNB, with payments accepted at over 90 million merchants worldwide. Whether you prefer the convenience of a virtual card for online purchases or a physical card for in-store transactions, Bybit Card offers both options, with shared spending limits and no annual fees.
MNT has now been added as a cashback option for Bybit Pay Points Mall, in addition to USDC, USDT and BTC. The system operates on a straightforward points-based structure, whereby every transaction earns you rewards points that convert to cashback.
The base rate of 2% applies to all eligible spending, with extra rates available for higher tiers. What makes MNT special is that holding any amount qualifies you for enhanced cashback boosts without altering the upper spending limits. These holding perks include faster VIP upgrades and stronger cashback benefits for retail traders.
To maximize your MNT benefits, navigate to Points Mall → Rewards → Cashback Token Settings, and select MNT as your preferred cashback currency. Points are processed daily, with conversion rates set at redemption, and you can enable Auto Cashback to automatically receive rewards in your Funding Account. The minimum requirement is 50 points, which converts at a base rate of 0.002 per point.
Your VIP level significantly impacts your earning potential: VIP 0 members earn 10 points per transaction, with a monthly cap of 5,000 points (2% cashback rate), while Supreme VIP members get a 50-point multiplier, with a monthly point cap of 300,000 points and 10% cashback rates.
The standard crypto conversion fee of 0.9% applies to all transactions funded with non-fiat assets in your Bybit Funding Account. However, MNT holders unlock a powerful fee-waiving benefit that can help you save substantial money on regular purchases.
Spend over 100 MNT on card purchases to completely absorb the original 0.9% conversion fee. This effective 0% crypto conversion fee represents significant value, especially for frequent card users making multiple transactions monthly, and savings compound quickly when you combine this fee waiver with the enhanced cashback rates available to MNT holders.
The beauty of this system lies in its simplicity, as you don't need to manually claim the fee waiver or jump through any hoops. Instead, the system automatically recognizes your MNT spending and eliminates conversion fees on eligible transactions, while simultaneously earning you enhanced cashback points.
On top of these ongoing perks, MNT holders can also benefit from Bybit’s latest limited-time campaign running from Sep 23 to Oct 22, 2025. The event offers a 50,000 USDT pool of MNT rewards for users who set MNT as their cashback token and spend with Bybit Card or Pay. During this period, selecting MNT not only waives the standard 0.9% conversion fee on MNT spending but also unlocks 25% more value on your cashback compared to BTC, ETH or USDT. It’s a timely way to maximize the everyday benefits of holding and using MNT.
Leveraging MNT on Bybit Card & Pay delivers effortless cashback, fee waivers and point rewards that transform routine spending into meaningful crypto accumulation. The combination of 0% conversion fees when you spend over 100 MNT on purchases, enhanced cashback multipliers for any MNT balance and the flexibility to choose MNT as your preferred cashback token creates a powerful rewards ecosystem.
MNT's transition from speculative token to utility-driven asset represents the maturation of the crypto market, offering tangible benefits that bridge traditional finance and decentralized systems. Whether you're making daily purchases or larger transactions, MNT amplifies your rewards while reducing costs.
Ready to unlock these exclusive MNT benefits? Apply for your Bybit Card today and start earning enhanced cashback while eliminating conversion fees on your crypto spending.
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