• SBI and Visa launched credit cards that convert spending points into a user-selected cryptocurrency ( BTC, ETH, or XRP).
• Gold users can earn up to 10%, while standard users can receive up to 2.5% through a limited-time launch campaign.
• Campaign rewards depend on spending through Aug. 5, with point caps applied to both card tiers.

SBI Group, one of Japan’s most prominent financial conglomerates, announced on May 1, 2026, that it has begun issuing the SBI Visa Crypto Card and its Gold version, which automatically convert spending points into a user-selected asset from BTC, ETH, or XRP. The cards are designed to link routine payments with crypto accumulation.

Users must select one asset at the time of application, choosing from BTC, ETH, or XRP. The announcement states, as translated from Japanese:

“When applying for this card, you can choose one cryptocurrency to accumulate from three options: bitcoin ( BTC), ethereum ( ETH), and XRP.”

Once selected, points earned from card spending are automatically converted into the chosen asset on a monthly basis without exchange fees. Users must hold an account with SBI’s crypto asset service to receive rewards, though existing account holders do not need to open a new account. The structure keeps accumulation consistent and directly tied to spending activity.

The cards also extend into investing through SBI Securities’ credit card investment trust accumulation service. The company stated: “First in Japan! Earn cryptocurrency with credit card investment trust savings!” This feature enables crypto accumulation alongside monthly investment contributions.

The two cards differ in base rewards, fees, and benefits. Standard users can earn up to 0.8%, while Gold users can earn up to 1.3% under normal conditions. The standard card is free in the first year, then costs ¥1,650 annually, with the fee waived after ¥100,000 in yearly spending. The Gold card is also free in the first year, then costs ¥6,600 annually. Users who spend at least ¥2 million per year on the Gold card receive crypto equal to the annual fee.

Both cards include theft and loss protection, while the Gold version adds travel accident insurance, shopping protection, and airport lounge access, capped at three uses yearly. These benefits apply independently of the promotional campaign.

The launch campaign runs for users who apply between May 1 and May 31, 2026. Spending through Aug. 5 determines campaign rewards. Standard users can receive up to 2.5%, capped at 1,500 points, while Gold users can receive up to 10%, capped at 5,000 points. The promotion temporarily increases reward rates above standard levels.

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