How to Earn Free XRP with Credit Card Points: a Complete Aplus–SBI VC Trade Guide

If you want to turn everyday spending into XRP, or other cryptocurrencies without paying cash upfront, here is your chance by fully leveraging your credit card points. Aplus has teamed up with SBI VC Trade to let eligible cardholders convert Aplus Points directly into crypto, including XRP, Bitcoin, and Ethereum. Aplus is part of the SBI Shinsei Bank Group and runs one of Japan’s largest consumer credit and payments programs, while SBI VC Trade is a regulated Japanese crypto exchange under SBI Holdings known for its security standards and broad asset support.

This guide explains who’s eligible, how the conversion works, and the exact steps to redeem, verify, and track your crypto so you can efficiently earn xrp with credit card points.

Who Can Redeem Points to XRP (and other crypto), and How it Works

This redemption is open to individual Aplus credit cardholders enrolled in the Aplus Points program; corporate card members cannot apply. Before crypto was added, Aplus Points could be exchanged for cash equivalents, merchandise, or airline miles. Now, you can switch points for digital assets, giving you a simple pathway to earn xrp with credit card points instead of spending yen directly.

Source: corp.sbishinseibank

Here’s the structure in practice. Redemptions are made in fixed “units” of 2,100 Aplus Points. Each unit converts into 2,000 JPY worth of crypto, and you can redeem multiple units in a single application. Supported assets are XRP, BTC, and ETH, and the crypto is delivered to your SBI VC Trade account (not to an external wallet). The points you spend are priced later, based on SBI VC Trade’s rate on the specified monthly pricing date, so the final amount of XRP you receive depends on the market at allocation.

Earning Aplus Points happens automatically through card use: you earn 1 point per 200 JPY spent. If you spend 50,000 JPY or more in a month, Aplus applies a 0.5% bonus to your points for that month. Points remain valid for two years from the month they’re earned, giving you a long runway to plan your redemptions into xrp, BTC, or ETH via SBI VC Trade.

How to Redeem, a Step-by-Step Guide

Before you start

• You must have an active SBI VC Trade account in your own name.

• The email address in your My APLUS profile must exactly match the email registered with SBI VC Trade.

Step 1 — Open and verify your SBI VC Trade account

• Visit SBI VC Trade and complete account opening and identity verification.

• Review the exchange’s crypto risk disclosures.

Step 2 — Match your email addresses

• Ensure the same valid email address is set on both My APLUS and SBI VC Trade (see next section for how to update).

Step 3 — Submit your redemption in My APLUS

• Log in to My APLUS and go to the points redemption area.

• Choose the “Crypto assets” course and select your target asset (xrp, BTC, or ETH).

• Choose the number of units (increments of 2,100 points) and submit.

Step 4 — Wait for pricing and credit

• Applications made by 9:59 PM (JST) on the last day of the month are priced at the SBI VC Trade rate on the 25th of the following month and credited by the 27th.

• Later applications roll to the next month’s cycle.

Step 5 — Check your credited crypto in SBI VC Trade

• You’ll receive a confirmation email from SBI VC Trade on the day your crypto is granted.

• Verify the deposit in the app or web platform (see “How to check the redeemed crypto”).

How to Match the Two Email Addresses

Both email addresses must be identical, character for character. If they don’t match or if an SBI VC Trade account isn’t open, allocation fails and Aplus returns your points around the end of the following month.

Updating your My APLUS email

• Log in to My APLUS.

• Go to: Various changes/application procedures → Change email address (My APLUS ID).

• Save the new address.

Updating your SBI VC Trade email

• Log in to your SBI VC Trade My Page.

• In the email section, select Change, then enter your current and new email.

• Request an authentication code to the new email, input it to confirm.

• Complete phone verification by entering the code sent to your registered number.

Crypto Allocation

• Monthly cutoff: Apply by 9:59 PM (JST) on the last day of the month to be included in the next cycle.

• Pricing date: The crypto amount (xrp, BTC, or ETH) is determined using the SBI VC Trade rate on the 25th of the month following your application.

• Credit date: Crypto is deposited by the 27th of that following month.

• Allocation handler: SBI VC Trade performs the allocation and sends a notification email on the grant date.

• Failed allocations: If an error occurs (no SBI VC Trade account or unmatched emails), points are returned by Aplus around the end of the month after your application.

Example Timeline

• Apply on July 31 at 9:30 PM (JST): Priced August 25 → Credited by August 27.

• Apply on July 31 at 10:05 PM (JST): Priced September 25 → Credited by September 27.

How to Check the Redeemed Crypto

SBI VC Trade App (new app)

• Log in → Deposit/Withdrawal → Deposit/Withdrawal History to see the credit of xrp, BTC, or ETH.

VCTRADE mobile (old app)

• Log in → Menu → History → Deposit/Withdrawal History → Choose the target asset.

Trader mode (web)

• Log in → Deposit/Withdrawal History → Review the entry for the asset you redeemed (e.g., xrp).

Tips, Requirements, and Common Issues

• Units and assets: Redeem in 2,100-point units and choose among XRP, BTC, or ETH each time.

• Exact email matching: Most issues stem from unmatched emails; verify before applying.

• Corporate cards: Not eligible for this redemption course.

• Variable outcomes: Because pricing happens later, the final xrp amount varies with market conditions.

• Notifications: Watch for the allocation email from SBI VC Trade; check spam if you don’t see it.

Why This Approach Helps you Earn Crypto with Credit Card Points

Point-to-crypto conversion links everyday spending to digital assets, letting you earn xrp with credit card points instead of funding a cash purchase. Similar reward models have appeared globally with major card networks, but Japan’s framework—clear monthly cutoffs, defined pricing dates, and redemption via a regulated venue like SBI VC Trade—makes the process straightforward for first-time crypto users and experienced holders alike.

Important Notes and Risk Reminder

• Crypto is volatile and can lose value; review SBI VC Trade’s risk information before converting points into XRP or other assets.

• Tax treatment varies; consult a qualified advisor about reporting requirements in your jurisdiction.

• Terms may change (supported assets, unit sizes, timing). Check the current guidelines in My APLUS and on SBI VC Trade before you redeem.