SBI Visa crypto rewards card launches with BTC, ETH, XRP

SBI and Visa have launched a crypto rewards card that lets users earn Bitcoin, Ethereum, and XRP on their purchases, combining two of the biggest names in traditional finance and payments with three of the most widely held digital assets.

What SBI and Visa are launching

The product, listed on SBI VC Trade's dedicated card page, pairs Visa's global payment network with SBI's cryptocurrency exchange infrastructure. The card is designed to reward everyday spending with crypto rather than traditional cashback or loyalty points.

SBI Group, one of Japan's largest financial conglomerates, has been expanding its digital asset operations for several years. Visa, meanwhile, has pursued multiple crypto integrations across its network globally.

A press release published through PR Times confirmed the announcement, though specific details on reward rates, card tiers, and regional availability remain limited at this stage.

How the BTC, ETH, and XRP rewards frame the product

The card's main differentiator is its three-asset reward structure. Rather than offering a single token or stablecoin payout, the product ties rewards to Bitcoin, Ethereum, and XRP, the three largest non-stablecoin cryptocurrencies by market capitalization.

This multi-asset approach gives cardholders exposure to assets with different use cases. Bitcoin serves as the dominant store-of-value network, Ethereum underpins the largest smart contract ecosystem, and XRP is positioned around cross-border payments, a space where Ripple has been expanding RLUSD availability through new exchange partnerships.

Exact reward percentages, whether users can choose their preferred asset, and redemption mechanics have not been confirmed in available sources. Readers should watch for updated terms directly from SBI VC Trade.

Why the launch matters for crypto payments

The partnership signals continued convergence between legacy payment infrastructure and digital assets. Visa-branded cards are accepted at tens of millions of merchant locations worldwide, which means crypto rewards could reach consumers who have never interacted with an exchange.

For SBI, the card extends its crypto business beyond trading into everyday consumer finance. The move follows a broader industry pattern where established financial brands are navigating how crypto fits into regulated payment flows, with different jurisdictions taking varying approaches.

The launch also comes as the industry pushes for greater on-chain transparency in financial products, with platforms like Polymarket partnering with Chainalysis to bring integrity monitoring to crypto-adjacent services.

Whether the card drives meaningful adoption will depend on reward rates, fee structures, and how seamlessly users can manage their crypto holdings. For now, the launch represents another step in bringing digital asset exposure into conventional spending products, backed by two brands with significant distribution reach.

Disclaimer: This article is for informational purposes only and does not constitute financial or investment advice. Cryptocurrency and digital asset markets carry significant risk. Always do your own research before making decisions.