The SBI Visa Crypto Card earns 0.5-1.3% BTC/ETH/XRP cashback on a Visa credit card with a ¥0 first year fee, available in Japan.
SBI Holdings is a Tokyo-headquartered Japanese financial services group founded in 1999 by Yoshitaka Kitao, originally as a SoftBank investment vehicle before becoming independent. The group runs SBI Securities (one of Japan's largest online brokers) and operates SBI VC Trade, its regulated crypto exchange arm, and is also a long-standing strategic shareholder in Ripple Labs. The crypto rewards card was issued in partnership with Visa Worldwide Japan and APLUS, with SBI VC Trade handling the crypto side.
The SBI Visa Crypto Card is a crypto credit card offered by SBI Group × Visa, available in Japan. It offers 0.5-1.3% BTC/ETH/XRP cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at ¥0 first year.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Japan guide. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0.5% | Standard card, ¥1,650/year (free year one, waived ongoing with ¥100K annual spend); up to 0.8% with revolving payment |
| Gold | 1% | Gold card, ¥6,600/year (free year one, fee-equivalent crypto returned on ¥2M+ annual spend); up to 1.3% with revolving payment |
On $500/mo spend, the estimated monthly cost breakdown for SBI Visa Crypto Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $3.00/mo cashback that nets a gain of about $3.00/mo ($36.00/yr). SBI Visa Crypto Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in JPY. Spending in another currency adds a 3.85% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Launched May 1, 2026 by SBI Group, APLUS, and Visa. Two tiers: Standard (¥1,650/year, free year one; waived ongoing with ¥100K annual spend) and Gold (¥6,600/year, free year one; ~refunded on ¥2M+ spend). Cardholder selects ONE asset at application (BTC, ETH, or XRP); choice locked for life of card. Aplus points convert to crypto monthly with no exchange fees; SBI VC Trade account required. Gold includes travel insurance, shopping protection, airport lounge (3x/yr). Launch promo (apply May 1-31): Standard up to 2.5% (cap 1,500 pts), Gold up to 10% (cap 5,000 pts) on purchases through Aug 5, 2026. A separate SBI VISAクリプトカードBIZ is offered to company representatives and sole proprietors for business expenses (sbivc.co.jp/cryptocard).
Other crypto cards in the same region or category that may suit your spending profile:
The SBI Visa Crypto Card is a crypto credit card offered by SBI Group × Visa. It is available in Japan and allows users to spend cryptocurrency at merchants worldwide.
The SBI Visa Crypto Card offers 0.5-1.3% BTC/ETH/XRP cashback. There are 2 tiers: Standard (0.5%), Gold (1%).
The SBI Visa Crypto Card has an annual fee of ¥0 first year. Additional fees: Conversion fee: 0% (points to crypto); FX fee: 3.85% on foreign-currency purchases (APLUS rate for Visa since 7 January 2025, previously 1.63%).
Yes. The SBI Visa Crypto Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The SBI Visa Crypto Card is available in Japan.
The SBI Visa Crypto Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
The SBI Visa Crypto Card is issued by APLUS Co., Ltd..
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.