The Mizuho Mileage Club Credit Card is a hybrid financial and travel rewards card co-branded with ANA Mileage Club and supported by Mizuho Bank.
It combines credit card utility, airline mileage accumulation, and exclusive banking perks.
In this deep dive, you'll discover why it’s attractive for travelers and bank clients, how to maximize its features, and the step-by-step process to apply.
Understanding the Mizuho Mileage Club Credit Card
This card offers the benefits of both the ANA Mileage Club and Mizuho Mileage Club in one Mastercard or Visa, backed by Credit Saison for credit functions.
Ideal for:
- Frequent flyers loyal to ANA are seeking effortless mile accumulation.
- Existing Mizuho Bank customers who want to synergize banking and travel benefits.
- People want a no-fee credit card that delivers value.
Mileage Accumulation
Points are earned as Permanent (Eikyūfumesu) Points, redeemable for ANA miles.
The redemption rate is: 100 points → 350 ANA miles for the co-branded ANA model (higher yield)
Permanent Points never expire, and they can be redeemed online or by phone. Miles typically posts in 1–2 months after request
Key Features and Benefits
ATM fee waivers for Mizuho and AEON Bank withdrawals—including after-hours—and up to 4 convenience-store ATM fee waivers each month.
EMV chip-based contactless payments via iD and QUICPay, plus acceptance worldwide through Mastercard or Visa.
Conditional travel accident insurance (coverage up to ¥20 million) is included in some versions when you use the card for overseas purchases.
Rewards and Campaign Bonuses
Earn 1 point per ¥100–¥200 spent—actual accrual rules vary by card
Exclusive point-to-mile conversion rate for ANA, not available to other cardholders
Periodic bonus-mile campaigns may offer accelerated earnings .
Fees, Interest Rates, and Limitations
The Mizuho Mileage Club Credit Card comes with various fees and expenses to consider:
- No annual fee for the ANA-branded version
- Other variants (e.g., Saison Suica, Hello Kitty) may also waive fees for primary accounts at mizuhogroup.com.
- Standard credit APR and cash advance fees apply.
- Foreign transaction and replacement card fees may exist—refer to your card agreement for specifics.
- Mileage redemption and insurance filing are generally free.
How to Apply for the Mizuho Mileage Club Credit Card
To apply, you must be 20 years or older, residing in Japan, with a stable income. Credit approval is contingent on Credit Saison’s assessment.
Required Documentation:
- Accepted IDs: Japanese driver’s license, passport, or residence card.
- Income proof: payslips or tax certificates.
- A Mizuho Bank account.
- If opting for the ANA model, provide your ANA Mileage Club number.
Access via ANA website or Mizuho Bank’s online portal. Choose card type, complete details (personal, banking, ANA number), and submit electronically.
Credit check, identity review, and approval decision can take days to weeks .
Upon approval, the card is mailed and typically arrives within 1–2 weeks.
For questions: call the toll-free 0120-1-32402, overseas 03‑6743‑7777 (prompt: 2 → 1)
Mobile App Integration and Online Management
The Mizuho Direct app manages statements, ATM withdrawals, sets alerts, reviews balance, and transactions.
The ANA Mileage Club mobile app tracks mileage, monitors club status, and redeems miles.
Apps allow instant card freeze, setting spending caps, and ease of reporting lost/stolen cards.
Transactions generate push notifications for added fraud protection.
Comparisons with Other Mileage Cards in Japan
Mileage Card Comparison Table
| Card Name | Annual Fee | Mileage Earn Rate | Best For | Main Drawback |
|---|---|---|---|---|
| Mizuho Mileage Club Credit Card (ANA Model) | ¥0 | ~0.35–1 mile per ¥100 (via Permanent Points) | Mizuho Bank users, fee-free travel rewards | Lower earn rate than premium cards |
| ANA JCB Wide Gold | ~¥11,000 | 1–1.3 miles per ¥100 | Frequent ANA flyers who want lounge access | High annual fee |
| ANA Visa Platinum | ~¥16,500 | 1.5 miles per ¥100 | Elite travelers who want perks and insurance | Requires high spending to be worth it |
| Rakuten ANA Card | ¥550 (waived in 1st year) | 1 mile per ¥100 spent on Rakuten | Rakuten ecosystem shoppers | Lower ANA tie-in outside Rakuten |
| JAL Card Visa/Master (Club-A) | ~¥11,000 | 1 mile per ¥100 | JAL loyalty flyers | No ANA compatibility |
| Marriott Bonvoy Amex Premium (ANA Conversion) | ¥49,500 | ~1.25 miles per ¥100 (after conversion) | High-spending travelers wanting hotel + ANA benefits | Complex mile conversion & high fee |
Customer Service Contact Info and Support Hours
Contact via:
- Card Support- Mizuho Mileage Club Service Desk (individuals): toll-free 0120-1-32402, abroad 03‑6743‑7777 (prompt sequence: 2 → 1). 24/7 for general inquiries, but some requests may vary.
- ANA Mileage Support - Toll call via 0570‑029‑767 or 03‑6741‑6683, menu choice 3 for mileage inquiries. Mon–Sat, 9 AM–5 PM JST (closed Sundays, holidays, New Year).
- Otemachi Head Office (Corporate Headquarters), Otemachi Tower, 1‑5‑5 Otemachi, Chiyoda‑ku, Tokyo 100‑8176, Japan
Tips to Maximize Your Card
Use for daily bills, groceries, and fuel to accumulate points steadily. Link to a Mizuho Bank account to maximize ATM fee waivers.
Subscribe to Mizuho's email/newsletter or ANA app alerts to catch bonus-mile promotions.
Occasionally convert gathered points into miles during bonus-rate periods to increase yield.
Estimate your annual points and compare. 100 points → 350 miles (ANA version) = 3.5 miles per ¥100 spent.
Extended Features & Online Management
Your Mizuho Mileage Club Credit Card is an open door to various extras.
Additional family cards are available and usually come with no extra fees.
Add Rakuten Edy for small, everyday transactions like transit and vending machines, earning 1 mile/¥200 spent.
Earn "Delightful Benefits" through Mizuho usage:
- Free Mizuho/AEON ATM withdrawals,
- Free convenience store ATM withdrawals,
- Up to 3 free interbank transfers monthly if spending thresholds (e.g., ¥1M/year) are met.
Conclusion
The Mizuho Mileage Club Credit Card delivers a strong, no-fee mileage-earning pathway embedded in a robust banking package.
It excels for everyday users who bank with Mizuho and ANA flyers seeking a smooth point accumulation experience.
While premium ANA cards offer better mile ratios, they come with high fees, making Mizuho the balanced choice for frequent travelers.
Disclaimer: All details (fees, benefits, support hours, mileage conversion rates) are accurate as of June 2025, derived from official Mizuho and ANA sources. These are subject to change—refer to official websites and current terms before applying.
