The financial landscape is evolving rapidly, and Cathay Bank has stepped into the future with the launch of the Bishare Card — Taiwan’s first credit card that allows users to convert reward points directly into cryptocurrency. Designed for tech-savvy consumers and digital asset enthusiasts, this innovative card bridges traditional banking with the growing world of blockchain and virtual assets.
With a sleek, limited-edition LED card design and compelling rewards structure, the Bishare Card isn’t just about convenience — it's a statement of forward-thinking finance.
🌟 Why the Bishare Card Stands Out
✨ World’s First LED-Embedded Credit Card
The Bishare Card features a groundbreaking design: when used for contactless payments, a "starlink" pattern on the card lights up, offering a visually striking experience. Only 5,000 LED versions are available, making it a collector’s item among fintech adopters.
👉 Discover how this glowing innovation is redefining digital spending.
💰 Comprehensive Rewards Structure (Mar 31, 2025 – Mar 31, 2026)
Cardholders enjoy tiered cashback converted into Bishare Points, where 1 point = NT$1 (valid for 2 years). The rewards system includes:
- 1% back on general domestic spending
- 2% back on overseas purchases (plus waived 1.5% foreign transaction fees)
3% back at designated categories:
- Domestic restaurants
- Gas stations
- Major gaming platforms (Nintendo, PlayStation, Steam)
Monthly caps: 300 points for dining/fuel; 200 points for gaming. Combined maximum bonus per billing cycle: 500 points.
🎁 Limited-Time Launch Promotions
To celebrate its debut, Cathay Bank is offering exclusive incentives:
🔹 Up to 11,988 USDT in Giveaways
From Apr 1 to Sep 30, 2025, every eligible transaction (domestic/overseas or installment) enters you into a monthly draw for 666 USDT — with three winners each month.
🔹 10% Cashback on EasyCard Auto-Recharge
Between Apr 1 and Dec 31, 2025, users who enable automatic top-ups via the card’s EasyCard function receive 10% cashback in EasyWallet vouchers, up to NT$50 monthly. No cap on the number of participants.
🔹 New User Bonus: +50% More Crypto When Exchanging Points
New Cathay Bank customers get an extra 50% boost when converting Bishare Points into crypto through partner exchanges. With a cap of 3,000 bonus points (NT$3,000 value) and a minimum redemption unit of 300 points, this offer enhances early engagement significantly.
👉 See how you can maximize your first-year crypto rewards.
🔗 Seamless Integration with Crypto Exchanges
Bishare Points can be redeemed directly for cryptocurrencies via BitoPro, one of Taiwan’s regulated virtual asset service providers. The process is simple and secure:
- Open the Cathay Bank mobile app
- Navigate to Credit Card > Your Points > Bishare Points
- Select exchange platform and desired cryptocurrency
- Confirm and complete the swap
Within minutes, your chosen digital assets are deposited into your BitoPro wallet.
This integration ensures compliance with Taiwan’s Anti-Money Laundering regulations — all partner exchanges are officially registered under the Virtual Asset Service Provider Registration Act.
🧩 Bonus Benefits for Digital Banking Users
Holders who link their Karry Digital Deposit Account to supported exchanges unlock additional perks:
- 30 free cross-exchange transfers per month (TWD/USD)
- Preferential deposit rates
- Zero fees on regular fund investments
Additionally, completing identity verification and upgrading from a Karry digital account to a standard account earns an extra 3 USDT, totaling 6 USDT in referral bonuses.
📈 Exclusive Access to Crypto Data Tools
New cardholders gain access to Blave, a premium crypto market analytics platform:
- 14-day free trial of professional-grade data tools
- 20% discount on Blave PRO subscriptions (pay NT$3,888 instead of NT$4,888)
By linking the Bishare Card during signup, users can make smarter investment decisions using real-time blockchain insights and trend forecasting.
💳 How to Apply & Key Terms
You can apply for the Bishare Card along with a Karry digital account or add credit line backup (Beiyongjin) in a single streamlined process.
Annual Fee Waiver Conditions:
- First-year fee waived
- Subsequent years: waived if you make 12 transactions, spend over NT$60,000 annually, or sign up for e-statements
Note: Current regulations prohibit using credit cards to fund domestic crypto exchanges directly.
❓ Frequently Asked Questions
Q: Can I use the Bishare Card to buy crypto on foreign platforms like eToro?
A: No. Transactions made on investment platforms (MCC codes 6211, 6051, 7261) do not qualify for rewards due to regulatory restrictions.
Q: I received a USDT redemption code but don’t have an exchange account — can I exchange it for another gift?
A: Redemption requires registration and KYC verification on the designated exchange. No alternative gifts are available.
Q: Can I claim new-user bonuses from multiple exchanges?
A: Yes. If you're a first-time user on each platform (e.g., MAX, BitstreetX), you can receive sign-up rewards separately upon depositing funds.
Q: Does Cathay Bank share my personal data with crypto exchanges?
A: Only necessary information (like ID number) is shared to verify ownership of the exchange wallet. Non-essential data remains protected under privacy policies.
Q: How does the +50% point-to-crypto bonus work?
A: For every 300-point redemption unit, you get an additional 150 points free. With a 3,000-point cap, you can redeem up to 20 units with bonus applied.
Q: What are the eligibility requirements for applying for Beiyongjin (backup credit line)?
A: Applicants must be aged 18–60, have stable income, and meet debt-to-income ratio rules (total unsecured debt < 22x average monthly income). Maximum limit: NT$1 million.
🔧 Backup Credit Line: Flexible Financing Option
Eligible cardholders can apply for Beiyongjin, an on-demand credit line with:
- No origination fee
- Interest charged only when used
- Fast disbursement (as quick as 5 minutes after approval)
- Repayment flexibility via ATMs, convenience stores, online banking
Plus: The first 30 days after initial drawdown carry a promotional rate of 0.01% annual interest.
For early adopters who apply within the first 750 spots, activating Beiyongjin unlocks an extra 4% cashback on domestic spending for three months (capped at 400 points/month), pushing total rewards up to 7% at eligible merchants.
👉 Learn how combining credit and crypto rewards boosts your financial efficiency.
Final Thoughts
The Bishare Card represents a bold leap in financial innovation — merging traditional banking loyalty programs with the dynamic potential of cryptocurrency. Whether you're a gamer earning high rewards, a traveler benefiting from zero forex fees, or a crypto investor leveraging data tools and point conversions, this card offers tangible value across lifestyles.
Backed by Cathay Bank’s compliance framework and partnered with regulated exchanges, it delivers security without sacrificing innovation.
As digital finance continues to reshape consumer behavior, the Bishare Card positions itself not just as a payment tool — but as a gateway to the next era of personal finance.