The PayFi payment sector is heating up. With the recent rise in popularity of Web3 payment solutions, tools like Bybit Card, Infini Card, and OKX Pay are redefining how users spend digital assets in everyday life. These innovations bridge the gap between crypto holdings and real-world spending, enabling seamless transactions using stablecoins while offering added benefits like cashback, yield generation, and zero-fee transfers.
Whether you're shopping online, paying for subscriptions, or sending money across borders, these platforms deliver faster, cheaper, and more rewarding experiences than traditional banking. Let’s explore each option in detail — from features and application steps to practical use cases.
Bybit Card: High Cashback for Everyday Spending
Bybit Card stands out for its generous cashback rewards and broad cryptocurrency support. Designed for users who want to earn while they spend, this virtual card supports USDT, USDC, BTC, and ETH, making it one of the most flexible options on the market.
Key Features
- No annual or activation fees
- 2%–10% cashback on every purchase — existing users get 2%, while new users can enjoy up to 15% in their first month (capped at $50)
- Daily spending bonus: New users can earn up to $300 in total rewards by consistently using the card
- Instant integration with Apple Pay and Google Pay — although some phone number ranges currently face binding issues
👉 Discover how to start earning crypto cashback instantly with a seamless payment solution.
How to Apply
- Open the Bybit app and navigate to the "Card" section on the homepage.
- Tap “Get Card” and select your region.
🔍 Pro tip: Choose Switzerland or another European country instead of Australia to skip address verification. - Submit your details and wait for approval (typically processed within minutes to a few days).
- Once approved, instantly link your card to digital wallets and begin spending.
This card is ideal for frequent shoppers and service subscribers who want passive rewards without complex setup.
Infini Card: Multi-Use U Cards for Global & Domestic Payments
Infini Card — often referred to as the “U Card” — has gained massive traction due to its low entry barrier and versatility. It allows users to spend USDT and USDC directly through VISA or Mastercard networks, both locally and internationally.
Even better? You don’t need KYC to start — just deposit $6.6 (currently discounted) to activate your card and begin using up to 500 USDT per month.
Key Features
- Supports USDT/USDC on VISA/Mastercard networks
- No monthly fees, activation fee only ($6.6 limited-time offer)
- 0.8% transaction fee, plus up to 1.5% foreign exchange markup
- Earn daily yield on deposited funds via integrated DeFi protocols like Cobo, Curve, and Ethena
- Three specialized card types for different use cases
Types of Infini Cards
- Meow Card: Perfect for daily domestic spending — integrates directly with WeChat Pay and Alipay
- Rabbit Card: Tailored for international subscriptions like X (Twitter), ChatGPT, or Google One
- Woof Card: Supports Apple Pay and Google Pay; physical card coming soon
How to Apply
- Download the Infini app and create an account.
- Go to “Apply for New Card” and choose your preferred type.
- Deposit USDT to cover the activation fee.
- Start using immediately — KYC is optional but removes the $500 monthly spending cap.
👉 Unlock borderless payments with a smart card that grows your balance over time.
This makes Infini a top choice for users in China or those needing local payment compatibility without converting to fiat.
OKX Pay: The Future of Zero-Fee Web3 Payments
As one of the leading innovations in the PayFi space, OKX Pay elevates Web3 payments with a powerful combination of speed, security, and financial incentives.
Backed by OKX’s robust ecosystem and powered by its proprietary X Layer — a Layer-2 solution — OKX Pay enables near-instant, zero-fee global transactions. But it goes beyond simple spending.
Why OKX Pay Stands Out
- 5% annual yield on your balance — earned daily, withdrawable anytime, no lock-up
- Zero network fees on all transfers thanks to X Layer optimization
- Built-in social features: Send encrypted messages with payments, share crypto red packets — think “Web3 WeChat Pay”
- Cross-chain compatibility: Works across 130+ blockchains, with plans to expand into physical card integration
- Enhanced security model: Uses split-key custody — half your private key is stored in your Passkey wallet, the other half secured with OKX. No single party can move funds without authorization
How to Set Up OKX Pay
- Open the OKX app and switch to "Pay" mode at the top.
- Activate your Pay wallet instantly.
- Deposit USDT or USDC — no minimum required.
- Begin sending, receiving, or spending globally with zero fees.
This platform is perfect for tech-savvy users who value privacy, yield, and frictionless cross-border transactions.
Comparing the Three: Which One Fits Your Needs?
| Feature | Bybit Card | Infini Card | OKX Pay |
|---|---|---|---|
| Supported Currencies | USDT, USDC, BTC, ETH | USDT, USDC | Multi-chain stablecoins |
| Fees | 0% annual fee | $6.6 activation | Zero transaction fees |
| Cashback/Yield | Up to 15% (new users), 2% ongoing | 0.8% transaction fee + daily yield | 5% APY fixed yield |
| Physical Card | Virtual only | Woof Card (virtual), physical incoming | Not yet available |
| Apple/Google Pay | Yes (some restrictions) | Woof & Meow Cards | Not currently |
| Best For | High-frequency spenders seeking cashback | Local + global hybrid usage | Secure, fee-free Web3-native payments |
Frequently Asked Questions (FAQ)
Q: Can I use these cards without completing KYC?
A: Yes — especially with Infini Card (up to $500/month limit) and OKX Pay. Bybit may require identity verification depending on usage level.
Q: Are there any hidden costs?
A: Generally no hidden fees. Bybit and OKX charge no fees; Infini has a small activation cost and transaction fee. Always check official terms before use.
Q: Can I earn passive income with all three?
A: Only Infini and OKX Pay offer built-in yield. Bybit focuses on cashback rather than staking rewards.
Q: Which is best for international subscriptions?
A: Infini’s Rabbit Card and Bybit Card are excellent for services like Netflix, ChatGPT, or Spotify due to wide merchant acceptance.
Q: Is my money safe?
A: All platforms use advanced security protocols. OKX Pay’s split-key system offers particularly strong protection against unauthorized access.
Q: Can I send money abroad easily?
A: Absolutely — especially with OKX Pay (zero fees) and Bybit Card (low friction). Both outperform traditional wire transfers in speed and cost.
👉 Start using a next-gen payment system that rewards you every day — no fees, no limits.
Final Thoughts
The evolution of PayFi is transforming how we interact with money. Whether you prioritize cashback, local payment integration, or zero-fee global transfers, there's now a tool tailored to your lifestyle.
- Choose Bybit Card if you love instant rewards on daily purchases.
- Go with Infini Card if you need seamless Alipay/WeChat compatibility or diverse card types.
- Opt for OKX Pay if you value long-term yield, cutting-edge security, and true Web3 interoperability.
As blockchain technology matures, these platforms will likely converge — combining cashback, yield, social features, and universal acceptance into one ultimate digital wallet. Until then, explore what’s available today and take control of your financial freedom.
Core Keywords: PayFi, Web3 payments, crypto debit card, stablecoin spending, OKX Pay, Bybit Card, Infini Card, zero-fee transactions