Japan’s Bitbank Unveils Crypto Credit Card That Lets Users Pay Bills in Bitcoin

Japanese cryptocurrency exchange Bitbank has launched a crypto-linked credit card that lets users settle their bills directly in Bitcoin – eliminating the manual conversion step that has long stood between crypto holders and everyday spending. The product, named the EPOS CRYPTO Card for bitbank and built on the Visa network in partnership with Epos Card, a subsidiary of Marui Group, carries no annual fee and is the first card in Japan to enable direct crypto bill repayment from an exchange balance.

Bitcoin trades near $76,500 as the card launches, a price level that amplifies both the appeal and the tax complexity of spending BTC on routine expenses. The timing adds a concrete data point to a pattern that looks less random the longer it runs – major established financial players moving to embed crypto utility into everyday payment rails.

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How the EPOS CRYPTO Card for Bitbank Actually Works

When a monthly bill comes due, the card gives holders a binary choice: repay via a linked bank account in yen, or authorize a conversion from their bitbank exchange balance, where the platform automatically liquidates the exact Bitcoin amount needed at prevailing platform rates.

There is no manual sale required, no separate wallet transfer, and no timing the market for a conversion window. The mechanism handles the entire settlement in the background.

Cashback rewards run at 0.5% on all spending and are selectable across three assets – Bitcoin, Ethereum, or Astar – with the choice available on a per-transaction basis. That Astar inclusion is a deliberate nod toward domestically relevant tokens, and signals Bitbank’s intent to position the card as a broad crypto-lifestyle product rather than a pure BTC vehicle.

Bitbank Executive Officer Jun Kuwabara described the launch as Japan’s first initiative enabling direct crypto bill payments, framing it as infrastructure for everyday holders who want to use Bitcoin and Ethereum without treating each purchase as a trading decision. Applications through the Bitbank and Epos Card platforms are slated to open imminently.

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