The Loft Card, issued by Credit Saison, is a rewards-focused credit card tailored for loyal shoppers at Loft stores across Japan.
With perks that include exclusive store discounts, point rewards, and zero annual fees, it’s an excellent companion for anyone who regularly visits Loft.
This article will guide you through its benefits and the application process, so you can decide whether it’s right for you.
About Loft in Japan
Loft (ロフト) is a well-known Japanese retail chain that specializes in lifestyle goods, stationery, health and beauty products, home décor, and gifts.
It’s especially popular among urban consumers, young professionals, and students who appreciate design-conscious, practical items with a creative flair.
Loft also runs an e-commerce website for domestic orders, and their products are increasingly available on online platforms like Rakuten and Yahoo! Shopping.
What Is the Loft Card?
The Loft Card is a credit card co-branded by Loft and Credit Saison, designed primarily for shoppers at Loft stores in Japan.
Available in Visa, Mastercard, JCB, and American Express (Amex) formats.
Plastic is number‑less and arrives after, while a digital version can be issued instantly via the Saison Portal app.
Key Benefits of the Loft Card
If you’re interested in modern Japanese design, cute gifts, or practical items with a touch of creativity, the Loft Card is a must-have.
Monthly 5% Discount at Loft
Every last Friday, Saturday, and Sunday of the month, using the Loft Card at Loft stores (in-store only) gives 5% off for purchases over ¥1,100 (tax included).
Seasonal and Member‑Only Campaigns
Loft often holds additional campaigns (such as a two‑week 10% discount “yūtai-kai”) exclusively for cardholders.
You’ll also receive web or email coupons you can redeem at physical Loft locations.
Permanent SAISON Points
You earn Saison’s “Permanent Points” (Eikyū-fumetsu points) at 1 point per ¥1,000 spent (equivalent to ~0.5% back)
They are usable at Loft and across all Saison partner merchants.
Points don’t expire and can be pooled across Saison cards.
Extra 5% Off at Seiyu & Living
On the 5th and 20th of each month, cardholders get a 5% discount at the Seiyu and Livin retail chains.
Online Points via Saison Mall
Shopping through the Saison Point Mall (affiliate portal) can earn you up to 30× bonus points, available at major online stores like Amazon and Rakuten.
Amex‑Brand Travel & Purchase Insurance
Choosing the Amex version includes domestic & overseas travel insurance (death, disability: up to ¥30 million; medical, liability).
Shopping protection and online fraud protection are all automatic upon card use.
Fees & Interest Rates
Consider:
- Annual Fee: Free for Visa, Mastercard, JCB; ¥3,300 for Amex.
- Interest Rates: Standard Saison revolving credit rates (approx. 15–18%). Late payments incur penalties.
- Additional Fees: There is no fee for canceling a digital card; however, ATM withdrawals and remittances may incur service fees.
How to Apply
Eligibility
- Age: 18 or older (high school students must be excluded) cardgala.com.
- Residency: Must be a Japanese resident with a valid address.
- Contactability: A working phone number.
- Documentation: Valid ID (Driver’s license, MyNumber, or Residency card for non‑Japanese nationals).
1. Online (Digital Card)
Visit the Saison website and select Loft Card. You must read and accept all terms and conditions.
Fill in the basic information (Card engraving name, contact info, address, job, and household details), and select the brand.
Instant digital issuance via Saison Portal app (if approved, typically within 5 minutes); plastic card mailed later.
2. In‑Store
Some Loft branches offer on-site assistance. Bring your ID and fill out the form; approval follows by mail. The digital card option may still be available.
After Approval: Managing Your Card
With the Saison Portal App you can check balances, freeze your card, view points, and transaction history.
Payments are done by automatic bank debit or Saison ATM/bank transfers.
Additionally, convenience store payments allow for one-off or partial prepayments.
Comparing the Loft Card
If you shop primarily at Loft, the Loft Card’s store‑exclusive discounts and point structure make it the most rewarding.
| Card | Advantages vs Loft Card | Disadvantages |
|---|---|---|
| MUJI Card | MUJI points, brand-specific perks | Lower in-store discounts |
| Rakuten Card | Broader usage, frequent online points | No exclusive Loft discounts |
| Saison Pearl Amex | 2% cashback via QUICPay, more insurance | Doesn’t get Loft-specific offers |
Pros and Cons
Here’s a clear breakdown of the Loft Card’s advantages and drawbacks to help you decide if it’s the right fit for you:
Pros
- 5% Monthly In-store Discount. Enjoy a 5% discount on purchases over ¥1,000 at Loft stores on the last Friday, Saturday, and Sunday of every month.
- No Annual Fee (for Visa/Mastercard/JCB): These brands come with no yearly charges, while only the Amex version carries a ¥3,300 annual fee.
- Permanent (Eikyū-fumetsu) Points: Earn 1 point per ¥1,000 spent with no expiration—ideal for slow, long-term accumulation.
- Bonus Discounts & Perks
- Quick Issuance & Easy Eligibility
- Strong Security Features: Online fraud protection, card freeze via app, and IC-chip for secure transactions.
- Amex Version Includes Travel Insurance: The Amex-badged version offers up to ¥30 million in domestic and overseas travel insurance, as well as shopping protection.
Cons
- Low Base Rewards (0.5%): Standard points are quite low compared to other cards (e.g., 1% +), making it less effective for non-Loft purchases.
- High Interest Rates: As with many store cards, interest rates spike if balances are carried over, upwards of 15–18% (or as high as 35% in US versions).
- Limited Utility Outside Loft Ecosystem: The card is most valuable at Loft families (Loft, Seiyu, Livin) and via Saison’s partners; less worthwhile for general spenders.
- Customer Feedback Issues: Some users report experiencing poor customer service and frustration due to statements or billing irregularities.
- Annual Fee for Amex Users: Choosing the Amex brand comes with a ¥3,300 annual fee—worth it only if you need the included travel/shopping insurance.
Support & Contact Information
Address: Sunshine 60 Building, 52nd Floor 1‑1 Higashi‑Ikebukuro 3‑chome, Toshima‑ku, Tokyo 170‑6073, Japan
Phone: +81 3‑3988‑2111
Conclusion
The Loft Card is a no-annual-fee, value-packed credit card tailored to frequent Loft shoppers.
With monthly 5% in-store discounts, year-round points, access to seasonal campaigns, and optional travel protections, it offers concrete savings and convenience.
The digital card issuance makes it fast and simple to get started. If you visit Loft regularly, or shop at Seiyu, Livin, or use Saison’s services, it’s worth applying.
Disclaimer: Details such as campaign terms, interest rates, and insurance coverage are accurate as of June 2025. Conditions may change—confirm the latest terms on Saison and Loft’s official websites before applying. Approval depends on your credit screening.
