Getting a virtual card that works with Netflix, Spotify, and ChatGPT sounds complicated, right? Not anymore. If you've been looking for a way to pay for overseas subscriptions without dealing with traditional bank cards, the Bybit Card might be exactly what you need.
This guide walks you through the entire application process using an iPhone or iPad. No technical jargon, no confusing steps—just a straightforward path from start to finish.
Let's get the basics out of the way first. You'll need two things to make this work:
An overseas Apple ID
The US App Store is your best bet here. You can create one yourself or grab a ready-made account to save time. Either way, you need access to apps that aren't available in your local region.
A VPN connection
You'll need to connect to servers in the US, Australia, or Singapore when applying for the card. Taiwan and Hong Kong nodes won't work for this particular process, so keep that in mind.
Here's what caught my attention about this card: it's actually free to apply for, charges no annual fees, and works with Apple Pay right out of the box.
The card supports subscriptions for Netflix, Spotify, ChatGPT, and most other mainstream services you'd want to pay for. Even better, if you spend at least 500 dollars through the card, certain subscription fees get fully reimbursed. That's not a promotional gimmick—it's a built-in cashback feature.
For anyone managing multiple overseas subscriptions, 👉 opening a Bybit account gives you access to streamlined payment tools that work across different platforms without the usual headaches.
First, you'll need to register for a Bybit account. The interface defaults to English, but you can switch to Chinese in the top-right corner if that's easier for you.
Once you've created your account, download the Bybit app from the App Store using your overseas Apple ID.
Open the Bybit app and look for the KYC (Know Your Customer) verification section. The good news? You can use a mainland China ID card for this part. The verification process typically takes between one and three minutes.
Don't skip this step—you won't be able to apply for the card without completing identity verification first.
Before applying for the card itself, connect your VPN to a US, Australian, or Singapore server. This is non-negotiable. I've seen people try with Taiwan or Hong Kong connections, and it simply doesn't work.
Now comes the main event. Open the Bybit app and find the "Bybit Card" section on the homepage. You'll need to make two choices:
Select your region: Choose Australia from the list.
Pick your card type: You have two options here—USD or EUR. The USD card is the easier choice because it doesn't require address verification documents. The EUR card works fine too, but you'll need to upload proof of address.
After submitting your application, most people get approved within a few minutes. Some users report waiting one to three days, but that's the exception rather than the rule.
When you're setting up payment methods for overseas services, 👉 having a reliable virtual card through Bybit removes the friction of declined transactions and currency conversion issues.
Once your card is approved, you'll see it in your app immediately. It's a virtual card, which means there's no physical plastic to wait for in the mail.
You can add the card to Apple Pay right away. Just open your Wallet app, tap the plus icon, and follow the prompts to add your new Bybit Card. From that point forward, you can use it anywhere Apple Pay is accepted.
The card details—number, expiration date, and CVV—are all visible in the Bybit app whenever you need them for manual entry on websites.
Keep some funds in your Bybit account before making purchases. The card draws from your account balance, so you'll need to maintain enough to cover your subscriptions and purchases.
Track your spending if you're aiming for that 500-dollar threshold to unlock the subscription reimbursement feature. It's easy to lose track when you're paying for multiple services.
If you run into issues during the application process, double-check your VPN connection first. Nine times out of ten, connection problems are the culprit when applications get stuck or rejected.
The entire process from registration to having a working virtual card takes about ten minutes if everything goes smoothly. You get a free card that handles overseas subscriptions, integrates with Apple Pay, and potentially reimburses you for certain purchases.
It's not perfect for everyone—you need to be comfortable using a VPN and managing a crypto exchange account. But if you're already dealing with the hassle of paying for overseas services, this solution cuts through a lot of unnecessary complexity.
No invitation codes needed, no promotional gimmicks to navigate. Just a straightforward tool that does what it's supposed to do.