The Resona Card is a popular credit option in Japan, offered by Resona Card Co., Ltd., part of the Resona Group.
Known for its user-friendly mobile tools and reliable banking support, the Resona Card is ideal for everyday spending and online purchases.
This article will walk you through how to download the Resona Card app, use it to apply for a credit card.
Understanding the Resona Card
The Resona Card provides a practical and rewarding payment solution. Here are the core benefits that come with the standard Resona Credit Card:
- No annual fee for the first year (and waived in subsequent years with conditions)
- Point reward system via the "Resona Point Pack"
- Secure online shopping with fraud protection
- ETC card option for highway toll payments
- Apple Pay and Google Pay compatibility
- Real-time spending and limit alerts
This card is commonly used for grocery shopping, utility bills, and general online transactions, offering both domestic and international usability.
Downloading the Resona App
You can manage your Resona Credit Card using the dedicated Resona Card App.
It allows you to apply for cards, review spending, manage limits, and access points.
Ensure your phone's OS is up to date (iOS 13 or later, Android 8.0 or later) for full compatibility.
How to Use the App to Apply for a Resona Credit Card
Once installed, follow these steps to apply for a new Resona Credit Card:
Step 1: Launch the App
Tap on the home screen option to apply for a new card. You’ll be guided to choose the credit card product that suits your usage.
Step 2: Enter Your Personal Information
Fill in your full name (in Japanese), date of birth, mobile number, email, and address in Japan.
A valid My Number (個人番号) or Residence Card may be requested.
Step 3: Input Employment and Income Details
Provide your employment status, company/school name, and approximate annual income. This helps the bank determine your eligibility and credit limit.
Step 4: Set Up Your Repayment Account
Link a Resona Bank account (or other supported Japanese banks) for automatic debit.
You may be asked to authenticate the account using online banking credentials or passbook information.
Step 5: Review and Submit
Carefully review all entries, agree to the terms and privacy policy, and submit your application.
You will receive a confirmation email within a few minutes.
What Happens After Submitting the Application?
After submission, here’s what to expect:
- Preliminary Screening: This process takes approximately 1–2 business days.
- Phone Verification: Some applicants may receive a call from a Resona representative to confirm identity or income.
- Final Approval & Card Issuance: The card is typically mailed within 5–7 business days upon approval.
- Track Application Status: You can view updates via the Resona App or receive notifications by email.
Using the App for Ongoing Card Management
The Resona App allows cardholders to check usage history in real time and monitor reward points.
Temporarily lock the card if lost and request an increase to your credit limit with just a few touches.
Set spending alerts to manage your finances effectively.
You can also activate your card for Apple Pay, Google Pay, or request an ETC Card for expressway tolls directly from the app.
Current Interest Rates and Fees
As of 2025, the standard interest rates for the Resona Credit Card are:
| Category | Rate / Fee |
|---|---|
| Annual Fee (Standard Card) | ¥0 (first year), ¥1,375 from 2nd year (waived with usage) |
| Revolving Credit Interest Rate | 15.00% per annum |
| Cash Advance Interest Rate | 18.00% per annum |
| Late Payment Penalty | 20.00% per annum |
| ETC Card Issuance Fee | Free (Annual ¥1,100 if inactive) |
Note: Rates are subject to change. Always verify on the official site or app before applying.
Customer Service and Bank Contact Info
If you have questions about your application or need help using the app, you can contact support through the following:
Customer Service Phone:
- Resona Card Center: 06-7709-8555 (Weekdays 9:00–17:00 JST)
- English Support: Not always available – recommend bringing a Japanese speaker for complex matters
Bank Mailing Address (Head Office): Resona Card Co., Ltd., 3-1-1 Toyosaki, Kita-ku, Osaka-shi, Osaka 531-0072, Japan
For inquiries specific to card loss, fraud, or blocking a card:
- 24-hour Emergency Line: 06-7709-8111
Tips for Boosting Your Approval Odds
To increase your chances of getting approved for a Resona Credit Card, keep the following in mind:
- Ensure accurate information on income and residence status
- Apply with a Japanese mobile number and bank account
- Avoid multiple credit applications in a short time frame
- Maintain a stable employment or student status
- Have your residence card or ID verified via in-app upload
Comparison
All three cards offer app-based application and management.
Choose Resona Card if you already bank with Resona or want integrated access to the Resona Group financial services.
| Feature | Resona Credit Card | SMBC (Mitsui Sumitomo) Card | Rakuten Card |
|---|---|---|---|
| Issuer | Resona Card Co., Ltd. | Sumitomo Mitsui Card Company | Rakuten Card Co., Ltd. |
| Annual Fee | ¥0 (1st year), ¥1,375 after (waived with usage) | ¥0 for basic cards (conditions apply) | ¥0 |
| Rewards Program | Resona Point Pack | Vポイント (V Points) | Rakuten Points |
| App Availability | Resona Card App | Vpass App | Rakuten Card App |
| Apply via App | Yes | Yes | Yes |
| Apple/Google Pay Support | Yes | Yes | Yes |
| Interest (Revolving Credit) | 15.00% | 15.00% | 15.00% |
| Cash Advance Rate | 18.00% | 18.00% | 18.00% |
| Foreign Transaction Fee | ~1.6%–2.0% (Visa/Mastercard network) | ~1.6%–2.2% | ~1.6%–2.0% |
| Card Issuance Time | 5–7 business days | 1–2 weeks | 3–5 business days |
| ETC Card Option | Yes (free issue, ¥1,100/yr if unused) | Yes (usually ¥550/year) | Yes (free) |
| Customer Support (Phone) | 06-7709-8555 (Japanese only) | 03-6627-4000 (Japanese only) | 0570-66-6910 (some English available) |
Conclusion
The Resona Card offers a modern and accessible credit solution, especially for residents in Japan who prefer app-based banking.
By downloading the App and following the straightforward application steps, you can easily apply for and manage your credit card in one place.
Start your application today and enjoy the benefits of a trusted Japanese credit card from Resona.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Interest rates, fees, and terms are subject to change—please refer to the official Resona Card website or app for the most up-to-date information.
