The P-one Credit Card offers a simple way to save money on everyday spending in Japan. With no annual fee and an automatic 1% discount on purchases, it's a solid option for many.
You can choose from multiple designs and even apply online with minimal effort. This guide explains how to apply and what benefits you can expect.
How to Apply for the P-one Credit Card?
Before you enjoy the benefits, you need to know if you're eligible and how to apply. The process is mostly online, fast, and designed for residents in Japan.
Eligibility Requirements
To apply for a P-one Credit Card, you must meet a few basic requirements:
- You must be at least 18 years old.
- You need to be a legal resident of Japan.
- A stable income is required for most card types.
- You’ll need a valid ID (e.g., residence card or My Number card).
If you're a student or unemployed, approval may be harder unless you have a co-signer or a regular deposit source.
Application Process
Applying online is simple and saves time. You can choose from a range of card designs during the process.
- Visit the official website and select "Web Application."
- Choose your preferred card type (Standard, Wiz, G, or Premium Gold).
- Upload necessary documents such as ID and proof of income.
- Submit your personal and contact details accurately.
- Wait for screening and approval by the issuer.
Approval typically takes a few days. You’ll receive your card by mail if approved.
Card Variants and Brands Available
You can choose between Visa, JCB, and Mastercard versions of the card. Each version offers the same core benefits but may include brand-specific perks:
- Visa: Verified by Visa, VJ Desk access.
- JCB: J/Secure authentication, overseas shopping insurance.
- Mastercard: ID Check and other global campaign offers.
Key Benefits of the P-one Credit Card
The P-one Card isn’t just about paying. It's about paying smarter. Here’s what makes it useful.
No Annual Fee - Standard and Wiz
One of the best features is the lack of an annual fee. That means you save money from the start.
- No annual fee for the Standard and Wiz versions.
- Premium Gold charges 11,000 yen/year (tax included).
- The G variant charges 3,300 yen/year (tax included).
- Great option for first-time users or low spenders.
It’s easy to maintain even if you don’t use it frequently.
Automatic 1% Discount on All Purchases
Every time you use your card, you get a 1% discount. This applies to almost every kind of purchase.
- Works for daily spending like groceries or online shopping.
- Applies to utility bills and pension payments.
- No sign-up needed—discount is automatic.
- No upper limit on the discount value.
The more you use it, the more you save.
1% Discount on Utility and Public Services
You also get a 1% discount on public bills. That includes hard-to-discount items like phone bills and national insurance.
- The discount applies to electricity, gas, and water bills.
- Also includes national pension insurance.
- No restrictions on timing or amount.
- The discount applies even to 100 yen transactions.
This is a long-term savings feature that adds up.
Cash Advance Interest-Free Period for New Members
First-time users get a special perk: no interest on cash advances for the first 30 days after using the card.
- Applies only if you’ve never used the card before.
- No interest for 30 days after the first cash advance.
- Applies to uses after June 2017.
- After 30 days, standard interest applies.
It’s a helpful short-term borrowing option.
Additional Features to Consider
This card comes with optional perks that are not always mentioned upfront. Here's what else you get.
Additional Cards Available
You can request extra cards for other needs or family use:
- ETC cards for highway tolls.
- Family cards for relatives or household use.
- Both are optional and issued upon request.
These additions make the card more flexible.
Design Customization
Cardholders can choose from a range of stylish colors or anime-themed limited editions:
- Six basic color options (blue, yellow, pink, etc.).
- Limited-time Paradox Live anime cards.
- All designs support IC chips and contactless payments.
Choose a card design that suits your personality.
Interest Rates and Payment Methods
It’s important to understand the cost of borrowing if you don’t pay off your card monthly. Here are the rates and options.
Effective Annual Interest Rates
Your card may incur fees if you choose to pay over time.
- Shopping revolving and installment payments: 17.95%
- Bonus payment in two parts: 5.03% to 13.39%
- Cash advance: 14.95% to 17.95%
Pay in full monthly to avoid these charges.
Payment Methods Available
You’re not limited to one-time payments. The card offers multiple flexible payment options:
- One-time payment – You pay the entire amount of your purchase in a single payment.
- Installments (fixed amount monthly) – You repay the total amount in equal monthly payments over a set period.
- Revolving payment (you set a monthly payment amount) – You can choose a minimum monthly payment, and carry the remaining balance to the next month with interest.
- Bonus lump-sum and two-payment method – You split the total into two payments, or pay a lump sum during a bonus month, often used for large purchases.
Pick the payment style that suits your budget.
Disclaimer: All offers and interest rates mentioned are subject to change. Approval is based on screening by the card issuer. Not all applicants will be accepted. Benefits may vary depending on the card version and brand.
Contact Information
You can apply online using the official website. For questions, contact customer support via phone or email.
The main office is in the RAKBANK Building, Sheikh Mohammed Bin Zayed Road, Ras Al Khaimah. Help options are listed on the issuer’s support and FAQ pages.
You can also send questions through their online inquiry form. Have your ID and application number ready when following up.
Final Thoughts
The P-one Credit Card is a smart financial tool for saving on daily expenses. It gives you automatic discounts and charges no annual fee for most versions.
The card is easy to apply for and comes with flexible options like ETC cards and stylish designs. Make sure to review the payment terms and rates before applying.
