Vield Rewards Credit Card

The Vield Rewards Credit Card is an Australian Mastercard credit card that earns Bitcoin rewards on every purchase. It is designed specifically for Bitcoin holders and Vield loan customers, with reward rates tied to the user’s relationship with Vield. The card is issued in partnership with Immersve Pty Ltd and offers a straightforward way to accumulate Bitcoin through everyday spending.

Rewards

The cashback rate depends on the user’s Vield product relationship:

• Loan Customers: 5% back in Bitcoin
• Safe Keeping (Custody) Customers: 3.5% back in Bitcoin
• Standard Customers: 2% back in Bitcoin

All tiers are capped at $200 AUD per month in Bitcoin rewards. Cashback is calculated at 4 PM on the last day of the billing cycle using the Bitcoin price at that exact moment, meaning the amount of BTC received depends on the market conditions at month end.

Card Details

• Annual interest rate: 21.99% p.a.
• Interest-free period: up to 44 days
• Monthly cashback cap: $200 AUD in BTC
• Mastercard acceptance worldwide

Benefits

• Rewards are paid automatically in Bitcoin without manual intervention.
• Designed for Bitcoin holders who want to grow their stack without active trading.
• Available to Vield Bitcoin-backed loan and Safe Keeping customers at enhanced rates.
• Early access available for beta users with priority access to higher reward tiers.

Important Considerations

The card is only available in Australia. The 21.99% interest rate is relatively high, so users should aim to pay the full balance each month to avoid interest charges. The $200 AUD monthly cap means the maximum effective spend for the 5% tier is $4,000 per month. Bitcoin is a volatile asset, and the AUD value of rewards may fluctuate after they are earned. The card is issued by Immersve Pty Ltd under a Mastercard license, and Vield Capital Pty Ltd is the authorized representative and distributor.