The financial landscape is evolving, and so are rewards. Enter the Bi-Xiang Card from KGI Bank — Taiwan’s first credit card that allows users to convert accumulated points directly into cryptocurrency. Designed for tech-savvy consumers and digital asset enthusiasts, this innovative card blends traditional banking with blockchain-powered benefits, offering a seamless gateway to the crypto economy.
With a sleek, LED-lit card design, exclusive cashback programs, and strategic partnerships with leading digital asset exchanges, the Bi-Xiang Card redefines what a credit card can do.
🔮 A New Era of Credit Card Rewards: Points to Crypto
Unlike conventional reward systems that offer gift cards or airline miles, the Bi-Xiang Card introduces a future-forward concept: convert your spending points into real cryptocurrency. This integration empowers users to turn everyday purchases into long-term digital assets.
How It Works: 6 Simple Steps
- Choose your Bi-Xiang Points
- Select a partner exchange and desired crypto asset
- Click “Redeem Now”
- Confirm transaction details
- Pick your cryptocurrency (e.g., USDT)
- Complete redemption — coins are automatically deposited
👉 Discover how easy it is to start earning crypto through everyday spending.
Through the KGI Mobile Banking app, users can directly link to partnered exchanges like BitoPro, MAX, and BitstreetX, enabling instant conversion of points into cryptocurrencies such as USDT. For MAX users, a redemption code system ensures secure transfer within the exchange platform.
💡 Unique Features That Set Bi-Xiang Apart
✨ Limited-Edition LED Card Design
Stand out at every tap. The Bi-Xiang Card features an illuminated "Starlink" pattern that glows during contactless payments. Only 5,000 LED cards are available — once they're gone, standard PVC versions will be issued instead.
🌐 Multi-Layered Cashback Program (Mar 31, 2025 – Mar 31, 2026)
Maximize rewards across different spending categories:
- 1% Bi-Xiang Points on general domestic spending
- 2% Bi-Xiang Points on overseas transactions (plus 1.5% waived foreign transaction fees)
3% Bi-Xiang Points on designated categories:
- Domestic restaurants
- Gas stations
- Popular gaming platforms (Nintendo, PlayStation, Steam)
💬 Note: Each reward tier has monthly caps. Restaurant/gas station rewards capped at 300 points per billing cycle; gaming platform rewards capped at 200 points. Combined bonus cap: 500 points per month.
🎁 Launch Promotions & Exclusive Perks
To celebrate its release, KGI Bank offers compelling incentives for early adopters.
🚀 Up to 11,988 USDT in Launch Giveaways
From Apr 1, 2025 – Sep 30, 2025, every eligible transaction (domestic/overseas general spend or installment plans) enters you into a monthly draw:
- 3 winners each month receive 666 USDT
- Total giveaway pool: 11,988 USDT
🚘 New Cardholders: 50% Bonus on First-Year Crypto Redemption
New KGI customers enjoy a 50% bonus when converting Bi-Xiang Points to crypto via partner exchanges during their first year.
- Minimum redemption: 300 points = 1 unit
- Bonus cap: 3,000 extra points (equivalent to NT$3,000 value)
This means redeeming 300 points gets you crypto worth 450 NT$, thanks to the added 150-point bonus.
👉 Learn how you can boost your rewards with smart redemption strategies.
🚆 Seamless Integration with Transit & Daily Life
🚌 10% Cashback on EasyCard Auto-Recharge
Use the built-in EasyCard function and auto-recharge each month to get:
- 10% cashback in EasyWallet vouchers
- Monthly cap: NT$50 per account
- No limit on number of participants
- Valid until Dec 31, 2025
Simply register monthly to qualify — perfect for commuters and urban dwellers.
🔄 Free Transfers & Premium Banking Benefits
Holding the Bi-Xiang Card unlocks additional financial perks:
- 30 free cross-bank transfers per month (NTD/USD)
- Preferential deposit rates on TWD/USD accounts
- Zero commission on regular fund investment plans
These features make managing personal finances more efficient and cost-effective.
🔗 Link Your Account & Earn More
💸 Get Up to 6 USDT for Binding Your Deposit Account
Within 120 days of card approval, link your KGI deposit account (or Karry digital account) to any partner exchange (MAX, BitstreetX) and complete one deposit:
- Receive 3 USDT upon verification
- Use a Karry digital account and later convert it to a standard account? Get another 3 USDT
Total potential reward: 6 USDT
🎮 Gamers & Crypto Enthusiasts Rejoice
🎮 Earn 3% Back on Gaming Platforms
Spend on Nintendo, PlayStation, or Steam? You’ll earn 3% Bi-Xiang Points — one of the highest cashback rates for digital entertainment spending in Taiwan.
Plus, subscribe to Blave, a crypto data analytics platform:
- Enjoy 14 days of free access after linking your card
- Get an exclusive 20% discount on Blave PRO (pay NT$3,888 instead of NT$4,888) to unlock advanced market insights
Stay ahead of market trends with real-time data — powered by your spending.
❓ Frequently Asked Questions
Q: Can I use the Bi-Xiang Card to buy crypto directly on local exchanges?
A: No. Due to current regulations in Taiwan, credit cards cannot be used for direct cryptocurrency purchases on domestic platforms.
Q: Will I get 2% overseas cashback if I buy crypto on foreign investment platforms?
A: Unfortunately, no. Transactions on platforms like eToro or those classified under MCC codes 6211, 6051, or 7261 are excluded from cashback programs.
Q: Can I transfer my USDT redemption code to a friend or family member?
A: Yes — redemption codes are not restricted to the cardholder. However, the recipient must be a verified member of the designated exchange.
Q: How does the new-user bonus work across multiple exchanges?
A: If you’re a new user on BitoPro, MAX, and BitstreetX, and complete at least one deposit on each, you’ll receive 5 USDT per exchange — up to 15 USDT total.
Q: Is my personal information shared with partner exchanges?
A: Only necessary information (e.g., ID number) is shared to verify ownership of the exchange account. KGI adheres strictly to data minimization and privacy principles.
Q: What’s the difference between Karry Digital Account and a regular account?
A: The Karry account is fully digital and offers zero-fee transfers, preferential interest rates, and fund investment benefits. Converting it to a standard account unlocks additional rewards when linked to exchanges.
💳 Apply Smart: Combine Card + Account + Credit Line
You can apply for the Bi-Xiang Card together with:
- A KGI deposit account
- Or add a credit line (backup fund) for flexible financing
The backup fund offers:
- Up to NT$1 million in available credit
- Interest charged only when used
- Fast disbursement — funds available within 5 minutes after approval
Eligibility: Taiwanese citizens aged 18–60 with stable income and debt-to-income ratio under regulatory limits (DBR ≤22x monthly income).
👉 See how combining banking tools can maximize your financial flexibility.
Final Thoughts
The Bi-Xiang Card isn’t just another rewards card — it’s a bridge between traditional finance and the decentralized future. With its ability to convert points into cryptocurrency, eye-catching design, and layered benefits for gamers, travelers, and daily commuters, it sets a new benchmark in innovation.
Whether you're dipping your toes into crypto or already immersed in the ecosystem, this card offers tangible value with every swipe.
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