The au PAY Club Credit Card is made for people living in Japan. It offers points, no annual fee, and contactless payments.
You’ll find out what the card offers and how to apply. This article will help you decide if it’s right for you.
Card Lineup Overview
There are two types: the regular au PAY Card and the Gold Card. The standard card has no annual fee and is great for basic use.
The Gold Card costs 11,000 yen each year but comes with more perks. Both offer Ponta points and travel coverage.
Gold is better for users with higher spending. Choose the one that fits your habits. Each card is issued by a trusted Japanese financial group.
Card Benefits
This card gives rewards, insurance, and convenience. You earn points for purchases, both online and in-store. It supports tap-to-pay and works almost everywhere.
Points add up fast and can be used like cash. It includes travel and shopping protection. This card is useful for daily and travel needs.
Ponta Points and Everyday Rewards
You earn 1 Ponta point per 100 yen you spend. This works for shopping, online payments, and bills. Users of au and UQ mobile can get up to 10% back.
Gold card users also earn 5% when auto-charging au PAY. You can use points at many stores in Japan.
You can also use points to pay your card bill. Ponta points never expire as long as you earn or use them within a year.
Travel and Shopping Protection
Both cards include travel insurance. The standard card covers up to 20 million yen.
The Gold Card covers up to 100 million yen. Shopping insurance is also included. Standard users get up to 1 million yen in protection.
Gold users get up to 3 million yen. These cover accidental damage or loss within 90 days of purchase.
Contactless Payment and Security
The card supports tap-to-pay at many stores. It makes checkout faster and easier. Your card is monitored 24/7 for safety. Chip tech helps prevent fraud.
The card is sleek and simple. Both cards offer the same level of security. You can also check your spending through the app in real time.
Fees and Charges
The au PAY Card has no annual fee. The Gold Card costs 11,000 yen per year. There’s no fee for the first ETC or family card. This is useful for families and drivers.
Foreign transaction fees may apply abroad. Always check your statement for extra fees. Late payment fees and reissuance charges may also apply.
Interest Rates
Interest applies if you don’t pay your balance in full. The purchase rate is around 15% yearly.
Cash advances have an 18% interest rate. Installment plans range from 12% to 15%. It depends on how much and how long you repay.
Paying in full avoids these costs. You can set up automatic payments from your bank account.
How to Apply?
Applying is easy and can be done online. You must live in Japan and pass credit checks. A valid ID and proof of income are required.
You can apply using your phone or computer. Most applicants get results quickly. Cards are mailed after approval. Make sure your registered address is current.
Step-By-Step Application Guide
Follow these simple steps to complete your application online. It only takes a few minutes from start to finish.
- Visit the official au PAY Card website to begin your application process securely.
- Choose between the Standard Card or the Gold Card, depending on your spending habits and reward preferences.
- Fill in your full name, phone number, email, and address accurately to avoid delays.
- Provide details about your monthly income and employment status to meet the screening criteria.
- Upload a valid government-issued ID to complete the identity verification step.
- Once all fields are complete, submit your application form and wait for the approval result by email or mail.
Where Can You Use It?
You can use the card at any Visa store. It works for local and international shopping. You can also use it for utilities and mobile bills.
It’s accepted in over 200,000 places. You earn points wherever you spend. This includes stores, apps, and websites. It also works with major payment apps and services.
Redeeming Ponta Points
Each point is worth 1 yen at checkout and can be used as real value. You can redeem them at many partner stores across Japan.
These points can also help pay your card balance if you want to reduce your monthly bill. They are valid for mobile service payments and utility bills as well.
The process is fast, with no need to wait for confirmation. You can manage redemptions through the official app or website with ease.
Promotions and Sign-Up Bonuses
New users can earn up to 20,000 points. You need to apply, be approved, and meet the spending amount. Seasonal deals offer even more rewards.
Gold users get access to exclusive events. These deals change often. Check the website for the latest offers. Bonuses are added automatically if conditions are met.
Disclaimer: Terms and rates may change without notice. Always check the official site for updates. Use your card wisely to avoid fees. Review your statement often. This article does not replace official financial advice.
Contact Information
For help or questions, call 0120-977-964. Service is in Japanese and runs daily from 9:00 to 20:00. They can help with applying, reissuing, or canceling.
Visit the support site for more help. Be sure to call during open hours. English support is not available. Some inquiries may require identity verification.
Final Thoughts: Is the au PAY Club Credit Card Right for You?
This card is great for people using AU or UQ Mobile. It offers rewards, insurance, and no annual fee. The Gold Card adds more value for frequent spenders. It’s easy to apply if you meet the requirements.
Use it for shopping, bills, and travel with ease. Make sure to compare it with other cards if you’re unsure.
