The Girin Card earns 1% XRP cashback on a Visa debit card with a $0 ($5.89 virtual issuance) fee, available in Global (excl. US, China, Singapore, India and about 70 others).
Girin is an XRP Ledger card and wallet app whose card programme is managed by GirinLabs Pte. Ltd., a Singapore company. Its card terms name StraitsX Pte. Ltd., a licensed payment institution in Singapore, as card issuer and BIN sponsor.
The Girin Card is a crypto debit card offered by Girin (GirinLabs Pte. Ltd.), available in Global (excl. US, China, Singapore, India and about 70 others). It offers 1% XRP cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Virtual Card | 1% | 1% in XRP on up to $2,000 of eligible purchases per calendar month (max $20 a month), paid on the 15th of the following month |
| Physical Card | 1% | 1% in XRP on up to $3,000 of eligible purchases per calendar month (max $30 a month); physical card issuance costs $58.90 |
On $500/mo spend, the estimated monthly cost breakdown for Girin Card is: gas $0.00, conversion spread $3.75, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.8% of spend. After $5.00/mo cashback that nets a gain of about $1.25/mo ($15.00/yr). Because Girin Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.02/mo in gas versus $0.00/mo for a single monthly load, so total drag runs 0.8% with daily reloads versus 0.8% with a monthly reload. This card bills in USD. Spending in another currency adds a 0.75% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Visa card funded from a self-custodial XRPL wallet with XRP or RLUSD (the only two supported assets). FEES (help.girin.app Fees and Limits, dated 2026-05-17, read 2026-10-08): virtual card issuance $5.89, physical $58.90, no annual, monthly, top-up or inactivity fee, Girin FX fee 0.75%, conversion fee 0% to 0.75% depending on the asset used, ATM withdrawals 2%. Limits: $5,000 per transaction, ATM $500 a day and $3,000 a month. CASHBACK (help article dated 2026-08-28): 1% in XRP, valued in USD and converted at payout. A welcome offer pays 2% (virtual) or 5% (physical) on the first $1,000 within 30 days of activation. KYC: identity verification is mandatory for all cardholders. Google Pay supported; the help centre says Apple Pay is "once available" while the card page advertises it. Girin launched the card on 2026-03-26 and announced FinCEN MSB registration on 2026-08-11.
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The Girin Card is a crypto debit card offered by Girin (GirinLabs Pte. Ltd.). It is available in Global (excl. US, China, Singapore, India and about 70 others) and allows users to spend cryptocurrency at merchants worldwide.
The Girin Card offers 1% XRP cashback. There are 2 tiers: Virtual Card (1%), Physical Card (1%).
The Girin Card has an annual fee of $0 ($5.89 virtual issuance). Additional fees: Conversion fee: 0% to 0.75% depending on the asset used; FX fee: 0.75%; ATM: 2%; Top-up: None; Inactivity: None.
The Girin Card has the following limits: monthly spending limit: $500,000; daily ATM withdrawal limit: $500. Limits can vary by account tier and verification level.
Supported assets include XRP, RLUSD; top-up methods include Transfer from the self-custodial Girin wallet; crypto deposits are supported on XRP Ledger.
Yes. The Girin Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Girin Card is available in Global (excl. US, China, Singapore, India and about 70 others). It is NOT available in the United States.
The Girin Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Girin Card supports Google Pay for contactless payments.
The Girin Card is issued by StraitsX Pte. Ltd.. The BIN sponsor is StraitsX Pte. Ltd..
Visit Girin (GirinLabs Pte. Ltd.)
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