💳 Turn Credit Card Points Into Crypto? Japan Just Made It Real

[nihalsari]

If you're in Japan and hold an Aplus credit card, you now have a whole new way to dip into crypto — without spending cash.

As of July 2025, Aplus (under Shinsei Bank Group) teamed up with SBI VC Trade to let users convert their credit card points into XRP, BTC, or ETH. That’s right — everyday spending can now earn you actual cryptocurrency.

🪙 Here’s how it works:

For every ¥200 you spend, you get 1 Aplus point.

Once you rack up 2,100 points, you can redeem them for over ¥2,000 worth of crypto (~$13–15).

Available assets: XRP, Bitcoin, Ether

The conversion happens directly through Aplus or SBI’s exchange platform.

Why this matters:

It’s cash-free, low-risk exposure to digital assets.

Perfect for people who’ve been crypto-curious but cautious.

Integrates crypto into daily life, not just trading platforms.

Bonus: You can still use your points on traditional stuff like cash back or airline miles — crypto is just one more option.

Japan is taking the lead here. With clear crypto rules and big banks like SBI Holdings pushing digital adoption, we might see similar rewards systems emerge globally.

️ Just keep in mind:

Taxes may apply when you sell crypto later.

You’ll need an account with SBI VC Trade.

2,100 points won’t make you rich — but it’s a great intro to the space.

Whether you're stacking sats or just curious about Web3, this is a low-barrier way to earn crypto from what you're already spending.

Would you use your card points to buy crypto?

[jacson4]

Japan is leading the way in integrating cryptocurrency into everyday finance. As of July 2025, Aplus, under Shinsei Bank Group, has partnered with SBI VC Trade to allow cardholders to convert their credit card reward points into cryptocurrencies like XRP, Bitcoin (BTC), and Ethereum (ETH). For every ¥200 spent, users earn 1 Aplus point. Once 2,100 points are accumulated, they can be redeemed for over ¥2,000 worth of crypto—approximately $13–15 USD. This initiative offers a cash-free, low-risk exposure to digital assets, making it an excellent entry point for those curious about crypto. It's a significant step towards mainstream adoption of digital currencies.

[Nahid10]

"While Japan's initiative to convert credit card points into cryptocurrency is innovative, it's essential to approach with caution. The program allows Aplus cardholders to redeem 2,100 points for over ¥2,000 worth of crypto, including XRP, BTC, and ETH. However, users should be aware of potential tax implications upon selling the crypto later. Additionally, managing crypto assets requires a certain level of knowledge and responsibility. It's a step forward in integrating digital currencies into daily life, but participants should ensure they understand the risks and responsibilities involved."