The financial world is evolving rapidly, and KGI Bank is leading the charge with the BiXiang Card – Taiwan’s first credit card that allows users to convert reward points directly into cryptocurrency. Designed for tech-savvy consumers, digital asset enthusiasts, and forward-thinking spenders, this innovative card blends traditional banking benefits with the future of finance.
With features like LED-lit card design, high-value cashback in crypto, and seamless integration with major digital asset platforms, the BiXiang Card redefines how users interact with both money and technology.
👉 Discover how to start earning crypto rewards on everyday spending
Why the BiXiang Card Stands Out
Unlike conventional credit cards, the BiXiang Card doesn’t just offer points or miles — it gives cardholders the ability to convert accumulated points into real digital assets such as USDT. This unique functionality bridges the gap between fiat-based spending and the growing crypto economy.
Core Keywords:
- Cryptocurrency credit card
- Convert points to crypto
- Crypto rewards credit card
- Digital asset integration
- Blockchain banking
- Crypto cashback
- Financial innovation
These keywords reflect not only the product's features but also align with rising search trends around crypto-friendly financial products.
Innovative Features That Redefine Credit Cards
✨ Limited-Edition LED Credit Card
The BiXiang Card introduces a first-of-its-kind LED-enabled design that lights up during contactless payments. Embedded with a starlink-inspired glow effect, the card visually enhances every transaction.
- Only 5,000 LED cards are available — once sold out, standard PVC versions will be issued.
- The glowing feature activates automatically during NFC transactions, making your payment experience stand out.
This isn’t just a card — it’s a statement of identity in the digital age.
👉 See how next-gen banking looks and feels
Generous Launch Rewards: Up to 11,988 USDT
To celebrate its launch, KGI Bank is offering exclusive promotions:
Monthly USDT Giveaways: Every eligible transaction (domestic and international general spending or merchant installment plans) enters you into a draw.
- 3 winners each month receive 666 USDT.
- Promotion period: April 1, 2025 – September 30, 2025.
Additionally, new cardholders can enjoy special bonuses simply by activating and linking their accounts.
Earn Crypto While You Spend: Multi-Tiered Rewards Program
From daily purchases to overseas travel, the BiXiang Card delivers competitive return rates across categories:
| Spending Category | Reward Rate |
|---|---|
| Domestic General Spending | 1% BiXiang Points |
| Overseas General Spending | 2% BiXiang Points |
| Selected Categories (Dining, Gas Stations, Nintendo, PlayStation, Steam) | 3% BiXiang Points |
💡 1 BiXiang Point = NT$1, with a validity of two years.
Plus, enjoy waived 1.5% foreign transaction fees until March 31, 2026 — ideal for global shoppers and digital service subscribers.
New Cardholder Bonus: 50% Extra Crypto Conversion
New KGI Bank customers get an exclusive perk during their first year:
- When converting BiXiang Points into cryptocurrency via partner exchanges, enjoy a 50% bonus.
- Minimum redemption: 300 points per unit.
- Maximum bonus cap: 3,000 points (equivalent to NT$3,000).
For example: Redeem 300 points to receive 450 units of crypto value instead of 300 — effectively boosting your rewards by half.
This offer is limited to 3,388 redemptions, so early action is key.
Boost Your Rewards: Add-On Credit Line for Up to 7% Cashback
Eligible cardholders who apply for KGI’s on-demand credit line ("Backup Fund") can unlock even higher returns:
- First 750 applicants receive an additional 4% cashback on domestic spending for three months.
Combined with base rewards:
- Dining & gas stations: Up to 7% total return
- Other domestic spending: Up to 5% return
This temporary boost makes the BiXiang Card one of the highest-rewarding options for everyday spending in Taiwan.
Seamless Integration with Crypto Platforms
The BiXiang Card works hand-in-hand with regulated virtual asset service providers. Current partners include:
- MAX Digital Asset Exchange
- BitstreetX
All exchanges comply with Taiwan’s Anti-Money Laundering regulations for virtual asset operators.
How to Convert Points to Crypto
Follow these simple steps via the KGI Mobile Banking App:
- Navigate to Credit Card > Your Points > BiXiang Points
- Select “Exchange for Crypto” and choose your preferred exchange and coin
- Confirm redemption to generate a voucher code
- Open the exchange app (e.g., MAX), go to “Redeem Code”
- Enter the code to deposit crypto directly into your wallet
Voucher codes generated before March 31, 2026, are valid until May 31, 2026.
Frequently Asked Questions (FAQ)
Q: Can I use the BiXiang Card to buy cryptocurrency directly?
A: Due to current regulations in Taiwan, you cannot use any credit card to directly purchase crypto on domestic exchanges. However, you can redeem accumulated points for crypto through authorized partners like MAX.
Q: Are there any limits on point redemptions?
A: Yes. For dining and gas stations, maximum bonus points per billing cycle are capped at 300. For gaming platforms (Nintendo, PlayStation, Steam), the cap is 200 points. Combined monthly bonus limit: 500 points.
Q: Do I need a separate bank account to get full benefits?
A: While not mandatory, linking your KGI Karry digital deposit account as your exchange funding source unlocks additional perks:
- Free cross-bank transfers (up to 30 times/month)
- Preferential interest rates on TWD/USD deposits
- Zero fees on regular fund investments
You must complete identity verification at a branch to upgrade from a digital to a full-service account.
Q: Is my personal data shared with crypto exchanges?
A: Only essential information (e.g., ID number) is shared to verify ownership of the exchange account. KGI adheres strictly to data minimization principles and does not disclose unnecessary personal details.
Q: What is the annual fee?
A:
- Primary card: NT$3,000/year (waived first year)
- Supplementary card: NT$1,500/year
Waive renewal fees by meeting any of these conditions:
- Make 12+ transactions annually
- Spend over NT$60,000
- Enroll in e-statements and maintain enrollment
👉 Learn how top users maximize crypto rewards from credit spending
Final Thoughts: A Gateway to the Future of Finance
The BiXiang Card isn't just another rewards card — it's a strategic tool for those embracing the convergence of traditional finance and blockchain innovation. With tangible benefits like direct crypto redemption, high-tier cashback, and cutting-edge design, it sets a new benchmark in financial product development.
As digital assets become more mainstream, tools like the BiXiang Card empower users to earn and engage with crypto without speculative risk — simply by living their normal financial lives.
Whether you're a seasoned investor or just curious about cryptocurrency, this card offers a secure, compliant, and rewarding entry point into the evolving digital economy.