Earn 1% cashback in XRP when you make eligible purchases with your Girin Card. The monthly eligible spending limit depends on whether you use a Virtual Card or a Physical Card.
Cashback benefits
| Virtual Card | Physical Card |
Cashback rate | 1% | 1% |
Monthly eligible spending limit | $2,000 | $3,000 |
Maximum cashback per month | $20 worth of XRP | $30 worth of XRP |
The monthly limit refers to the amount of purchases eligible for cashback—not the amount of cashback you can receive.
Virtual Card cashback
Virtual Card users earn 1% cashback on up to $2,000 in eligible purchases per calendar month.
For example:
$500 in eligible purchases earns $5 in cashback.
$2,000 in eligible purchases earns $20 in cashback.
If you spend more than $2,000, the maximum cashback for that month remains $20.
Physical Card cashback
Physical Card users earn 1% cashback on up to $3,000 in eligible purchases per calendar month.
For example:
$500 in eligible purchases earns $5 in cashback.
$3,000 in eligible purchases earns $30 in cashback.
If you spend more than $3,000, the maximum cashback for that month remains $30.
Monthly eligible spending limit
The eligible spending limit applies to each calendar month. A new limit begins at the start of the next calendar month.
Unused eligible spending allowance does not carry over to the next month. Purchases above your card's monthly eligible spending limit do not earn additional cashback.
How cashback is paid
Cashback is calculated from eligible purchases made during the previous calendar month and paid in XRP.
Step | Timing |
USD-denominated cashback amount is finalized | 14th of each month at 10:00 KST |
Cashback is converted and paid in XRP | 15th of each month at 10:00 KST |
For example, cashback earned from eligible purchases made in March is scheduled to be paid in XRP on April 15 at 10:00 KST.
The quantity of XRP you receive is determined using the applicable XRP reference value at the time of payout. Because the market price of XRP can change, the value of your XRP may increase or decrease after it is credited to your account.
Frequently asked questions
What does the monthly eligible spending limit mean?
It is the maximum amount of purchases that can earn cashback during a calendar month. It is not the maximum amount of cashback you can receive.
For example, a Virtual Card's $2,000 monthly limit means that up to $2,000 in purchases can earn 1% cashback, for a maximum of $20 worth of XRP.
Does spending above the monthly limit earn cashback?
No. Once you reach your card's monthly eligible spending limit, additional purchases made during the same calendar month do not earn cashback.
When does the monthly limit reset?
The eligible spending limit resets at the beginning of each calendar month.
When will I receive my cashback?
Cashback from the previous calendar month's eligible purchases is scheduled to be paid in XRP on the 15th of the following month at 10:00 KST.
Can the value of my cashback change?
Your earned cashback is first determined as a USD-denominated amount. Because it is paid in XRP, its market value may change after the XRP is credited to your account.
Cashback is subject to Girin Card's eligibility requirements and applicable terms.