The LINE Pay Credit Card is here for a comprehensive digital solution to your expenses.
LINE Pay’s co‑branded Visa credit card seamlessly integrates with the LINE ecosystem to deliver mobile payments with the power of credit card rewards.
We explore its key benefits, eligibility requirements, application steps, fees, contact information for the issuer (Credit Saison), and how to determine if it fits your lifestyle.
What Is the LINE Pay Credit Card?
Co‑branded by LINE Pay and Visa, issued through Sumitomo Mitsui Card under Credit Saison Co., Ltd.
It is available in both credit and prepaid versions.
The credit variant enables revolving balance and applies to any Visa merchant. The prepaid variant works on pre‑loaded funds.
Launched in early 2019, the card aimed to establish mobile-first credit payments in Japan, offering 3% back for the first year, then a standard 1% reward.
Key Benefits
This is a card that aligns with shopping habits and preferred payment methods.
Reward Rates & Points
Standard credit card usage gives you 1% back in LINE Points for Visa Credit Card purchases.
LINE Pay “Add & Pay” QR payments let you earn up to 5% back, capped at 500 points/month for the P+ edition.
First-year bonus of 3% back on all purchases during the first year post-launch.
LINE Points: How They Work
Earn with each transaction (1–5%, with a monthly cap).
Points convert into LINE Pay balance usable across LINE services, gift cards, or partner store discounts.
Points generally expire after about 180 days if unused. To check, open LINE → Wallet → LINE POINT CLUB
LINE App Integration
Balance, transaction history, and point tracking are fully integrated with the LINE app (Wallet → LINE POINT CLUB), making card management intuitive and mobile-friendly.
Fees & Annual Charges
Annual Fee: Zero yen if you make at least one paid transaction per year; otherwise, a modest fee may apply .
No separate app: The LINE app handles all card tracking.
Security Features
Includes Visa contactless (tap-to-pay), tokenization, and mobile card lock capabilities—typical offerings from Credit Saison and Visa.
Prepaid vs Credit: Which One Should You Choose?
If you plan to use it regularly (especially via QR/payments), the credit variant provides better long-term value.
| Feature | Credit Card | Prepaid Card |
|---|---|---|
| Credit Screening | Required | Not required |
| Usage Flexibility | Revolving balance allowed | Limit is top-up amount |
| Rewards | 1%–5% LINE Points | None |
| Annual Fee | Waived with activity | Not applicable |
| Best For | Frequent spenders | Budget-conscious users |
How to Apply
To qualify for the LINE Pay Credit Card:
- Must be 18+ years old (under 20 requires parental consent).
- Must reside in Japan with an established LINE Pay account.
- Pass credit screening by Credit Saison or Sumitomo Mitsui Card.
- Provide personal information (name, address, income, etc.) and accept terms.
Complete LINE Pay verification (identity and phone number). Update your profile in the LINE app.
Within LINE Pay, select “Apply for Credit Card.” You’ll be directed to the Sumitomo Mitsui Card (Vpass) portal to continue.
Provide Kanji/Kana name, address, phone, employer, income, and upload ID (driver’s license, My Number Card, or Residence Card).
Credit review usually takes 3–7 business days. Upon approval, your physical Visa LINE Pay card is mailed to your registered address.
Once you receive the card, register it in your LINE Pay account. Activate via Vpass and optionally add to Apple Pay/Google Pay for tap-to-pay.
Interest Rates & Fees Breakdown
Consider:
- Interest (Revolving balance): Typically 12–16% annual, standard in Japan. Most revolving interest rates fall within 14%–16%
- Late Fees: Standard penalties apply if a payment is missed.
- Avoid Interest: Use the full repayment option via bank auto-debit (direct debit).
Is It Right for You?
You are active in the LINE ecosystem, using the app regularly. QR payments are part of your everyday routine.
You can ensure at least one purchase per year to avoid fees. You prefer strong mobile-based finance control and real‑time alerts.
The LINE Pay Credit Card delivers convenience, rewards, and modern functionality—well-suited for digital-first users.
How It Compares to Other Popular Cards
See:
| Feature | LINE Pay Credit Card | Rakuten Card | PayPay Card | JCB Card (Standard) |
|---|---|---|---|---|
| Annual Fee | ¥0 (with one annual use) | ¥0 | ¥0 | ¥1,375 (Standard) |
| Reward Rate | 1% on all purchases, 5% for QR payments | 1% on all purchases | 1–2% on PayPay transactions | 0.5–1% (depending on merchant) |
| Mobile Payment Integration | Full integration with LINE app | Rakuten app integration | PayPay app integration | JCB app integration |
| Special Promotions | 3% on purchases for the first year | 1–3% on Rakuten purchases (limited) | Up to 2% cashback on PayPay purchases | Seasonal promotions and offers |
| Card Type | Credit (Visa) | Credit (Visa/Mastercard) | Credit (Visa/Mastercard) | Credit (JCB) |
| Credit Screening Required | Yes | Yes | Yes | Yes |
| Interest Rate | 12–16% (revolving) | 15%–18% | 15%–18% | 15%–18% |
| Points Expiry | 180 days | 12 months | 180 days | 3 years |
| Popular With | LINE users and digital payment fans | Rakuten ecosystem users | PayPay app users | JCB cardholders in Japan |
- LINE Pay Credit Card: Best for LINE users who actively use mobile payments and want to earn high rewards for QR code payments. Offers seamless integration with LINE services.
- Rakuten Card: Ideal for frequent Rakuten shoppers seeking a straightforward rewards system with added benefits for Rakuten purchases.
- PayPay Card: Ideal for PayPay app users looking to get rewards from mobile payments with higher cashback on PayPay transactions.
- JCB Standard Card: A classic credit card with global acceptance, typically offering fewer rewards but popular in Japan for JCB’s widespread presence.
Issuer Contact Summary
Contact:
- Address: Sunshine 60 Building, 1‑1 Higashi‑Ikebukuro 3‑chome, Toshima‑ku, Tokyo 170‑6073, Japan
- Main Phone: +81 3 3988 2111
- Customer Hotline (billing/direct debit): 03‑6893‑8250 (Tokyo) / 06‑7709‑8565 (Osaka)
Conclusion
The LINE Pay Credit Card is a compelling, no‑fee option for Japan-based users deeply integrated into the LINE ecosystem.
With a strong points system (5% QR, 1% at merchants), real-time alerts, and simple app-driven oversight, it’s an increasingly popular choice.
Always compare your spending habits and choose accordingly, and apply through the official LINE app or Vpass portal for the best experience.
Disclaimer: This article is for informational purposes. Terms like rewards, interest, and fees may change. Confirm details on the official LINE Pay and Credit Saison websites before applying.
