Discover the XRP Rewards Card in Japan and earn crypto rewards with every purchase through automatic conversions.
Japan has received a new crypto payment product this week. SBI and Visa Launch BTC, ETH, and XRP Rewards Credit Card in Japan through a partnership with APLUS. Additionally, the product automatically transforms spending rewards into digital assets. Therefore, regular users have the opportunity to make money on crypto by making purchases with cards.
New Crypto Rewards Card in Japan Market
On the same day, SBI Holdings, APLus, and Visa released two new cards. Additionally, users have the option of Bitcoin, Ethereum, or XRP rewards. Thus, the launch bridges the gap between the use of traditional cards and crypto ownership.
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Moreover, when applying, users have to choose a single cryptocurrency. But that decision cannot be altered afterwards once approved. Consequently, the customers have to choose their desired asset prior to using the card.
In the meantime, reward points are converted every month. In addition, conversions are made at SBI VC Trade rates without any exchange fee. Therefore, users can build holdings without manual trading steps.
Reward Rates and Launch Campaign Benefits
The regular card has a minimum reward rate of 0.5%. Also, the promotional rewards may increase up to 2.5 percent until August 2026. Thus, the first users can be offered a greater value within the campaign.
In the meantime, the Gold card has a base reward rate of 1.0%. In addition, new approved applicants will be able to receive up to 10% during the launch campaign. Consequently, high-end users can get significantly bigger crypto rewards.
But the customers require an SBI VC Trade account in order to utilize the program. Therefore, the exchange account remains central to reward delivery. Moreover, such an arrangement can assist SBI in attracting more crypto users.
Also, monthly automatic conversions make it simpler to beginners. Consequently, users will be able to get exposure to crypto without making individual trades. Thus, the product can be attractive to new investors.
SBI Expands Crypto Strategy in Japan
It was launched on the same day SBI placed a letter of intent in Bitbank. In addition, SBI is also looking to consolidate Bitbank as a subsidiary. Therefore, the group appears focused on growing exchange leadership in Japan.
In the meantime, Bitpoint was absorbed by SBI in April. It is also acquiring majority stake in Coinhako. Due to this, SBI is still growing in Asian crypto markets.
Moreover, the inclusion of XRP is particularly remarkable in this launch. SBI has been a long-time supporter of Ripple, and XRP was the first asset to be listed on SBI VC Trade in 2018. Thus, the reward option indicates a long-term relationship.
Japan is Moving to Greater Crypto Integration.
Japan is also contemplating new legal modifications of digital assets. Furthermore, fiscal 2027 may make crypto financial products under the Financial Instruments and Exchange Act. Therefore, regulation is moving closer to traditional finance rules.
Additionally, similar products are already appearing in the market. In April 2026, Bitbank and Epos Card released the EPOS CRYPto Card. Consequently, the competition in crypto rewards products is growing.
Finally, SBI and Visa Launch BTC, ETH, and XRP Rewards Credit Card in Japan at the right time. Therefore, the product may boost adoption, simplify investing, and deepen crypto use in daily life.