Getting Credit Cards in Japan for Foreigners: 2024 Complete Guide & Simple Steps
TOKYO – Credit cards offer convenience, rewards, and help build a positive credit history, essential for future financial needs in Japan.
KEY TAKEAWAYS:
- Convenience and Benefits: Credit cards provide ease of transactions, reward points, and cashback, enhancing the shopping experience.
- Credit History: Using a credit card responsibly helps build a positive credit history, crucial for future financial needs.
- Application Caution: Ensure eligibility and provide accurate documentation to avoid rejection and potential credit score impact.
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Requirements To Get A Credit Card in Japan
To obtain a credit card in Japan, you typically need to meet certain requirements and provide specific documentation. Here are 5 must-have eligibility requirements to obtain a credit card in Japan:
Age: Must be at least 20 years old.- Residency: Generally, you need to be a resident of Japan. Provide a recent utility bill or a certificate of residence (住民票, Juminhyo).
- Valid Identification: Valid ID, such as a Zairyu Card (Resident Card) for non-Japanese residents or a My Number Card/Driver’s License for Japanese nationals.
- Stable Income: A stable and verifiable source of income is required. Provide recent payslips, tax certificates, or bank statements showing salary deposits.
- Bank Account: Details of a Japanese bank account for automatic payments.
- Credit History: A good credit history in Japan is beneficial.
- Employment Status: Regular employment is preferred; however, some cards may accept students or part-time workers.
- Length of Employment: Typically, you should be employed for at least 6 months to a year with your current employer.
What Do You Need to Get a Credit Card in Japan?
Here’s a comprehensive list of all the required documents typically needed to apply for a credit card in Japan:
1. Valid ID:
- Residents: Zairyu Card (Resident Card 在留カード)
- My Number: My number Card (マイナンバーカード)
- Japanese Nationals: My Number Card or Driver’s License
2. Bank Account Information:
- Bankbook (通帳, Tsucho) showing your account number and transaction history
- Bank card
3. Proof of Income (if required):
- Recent payslips (typically the last 2-3 months)
- Tax certificate (源泉徴収票, Gensen Choshuhyo)
- Bank statement showing salary deposits (last 2-3 months)
- For self-employed applicants: Copy of the latest tax return (確定申告書, Kakutei Shinkokusho)
4. Proof of Residence (if required):
- Certificate of residence (住民票, Juminhyo)
- Recent utility bill (electricity, gas, water) with your name and address
- Rental agreement (if applicable)
5. Employment Verification (if required):
- Employment certificate (在職証明書, Zaishoku Shomeisho)
- Contact information for your employer
6. Additional Identification (if required):
- Passport (especially for foreign residents)
- Health insurance card (健康保険証, Kenko Hokensho)
7. Guarantor Information (if required):
- Identification of the guarantor
- Proof of income for the guarantor
8. Photographs (if required):
Passport-sized photographs (occasionally requested)
Application Process
- Choose a Credit Card: Select a card that suits your needs. Each card has different benefits, such as points, cashback, travel perks, etc.
- Apply Online or In-Person: Many banks and credit card companies offer online applications. Alternatively, you can apply at a bank branch or a department store that issues cards (Apply Online is more popular).
- Submit Documentation: Provide the required documents during the application process. (In case you apply online, simply put: Fill in personal details, including name, address, phone number, and email; Provide employment information and details of your income; Enter your bank account information for automatic payments; Scan or take clear photos of the required documents; Upload these documents through the issuer’s online portal as instructed)
- Credit Check and Review: The issuer will conduct a credit check and review your application.
- Approval and Card Issuance: If approved, you will receive your card by mail. This process can take a few weeks (1 to 3 weeks).
Tips for a Successful Application
Ensure Eligibility: Verify that you meet the basic eligibility criteria such as age, residency status, and income requirements before applying.
Choose the Right Card: Select a credit card that aligns with your financial situation and spending habits. Look for cards with benefits that suit your lifestyle.
Maintain a Stable Income: Demonstrate a steady and verifiable source of income. Having a stable job or consistent earnings will strengthen your application.
Build a Good Credit History: If you are new to Japan, consider starting with a debit card or a prepaid card to build a credit history. Pay bills and any existing credit on time to maintain a good credit score.
Prepare Accurate and Complete Documentation: Ensure all required documents are up-to-date and accurate. Incomplete or incorrect information can delay the process or lead to rejection.
Provide Proof of Residence: Have a current utility bill, certificate of residence (住民票, Juminhyo), or rental agreement to prove your address.
Use a Local Bank Account: Having an established relationship with a Japanese bank can enhance your credibility. Ensure your account details are accurate and ready for automatic payments.
Be Honest and Transparent: Provide truthful information on your application. Any discrepancies or false information can result in rejection.
Consider a Guarantor: If you have a limited credit history or lower income, having a guarantor with a stable income and good credit can improve your chances.
Check the Application Form Carefully: Review the application form thoroughly before submission to ensure there are no errors or missing information.
Be Prepared for Follow-up Questions: Sometimes, the issuer may contact you for additional information or clarification. Respond promptly and provide any requested details.
Monitor Your Application Status: Keep track of your application status online if possible. This can help you stay informed and address any issues quickly.
Popular Credit Card Issuers in Japan
- JCB (Japan Credit Bureau)▼: Japan’s only international payment brand, offering various credit cards with different benefits.
- Rakuten Card▼: Known for its reward points system, which is especially beneficial for users who shop on Rakuten’s online platform.
- MUFG Card▼: Issued by Mitsubishi UFJ Financial Group, offering a range of cards with various perks.
- Sumitomo Mitsui Card (SMBC Card)▼: Offers a wide variety of credit cards with different rewards and benefits.
- ÆON Card▼: Popular for its discounts and benefits at Aeon Group stores and affiliates.
- JA Card▼: Issued by Mitsubishi UFJ NICOS, in relation with Japan Agricultural Cooperatives.
- View Card▼: Issued by JR East, providing benefits for train commuters and travellers.
- Mizuho Bank Card▼: Offers a range of credit cards tailored to different customer needs.
- Orico Card▼: Offers various cards with diverse rewards and benefits.
- Seven Card▼: Issued by Seven & I Holdings, providing benefits for shoppers at 7-Eleven, Ito-Yokado, and other affiliated stores.
- SoftBank Card▼: Issued by SoftBank, providing benefits for SoftBank users and affiliates.
- Yahoo! JAPAN Card▼: Offers rewards and benefits for users of Yahoo! Japan services.
- JAL Card▼: Offers miles which can be redeemed for Japan Airlines flights
- Recruit Card▼: Offers a robust point system by Recruit Group
In Japan, credit card issuers offer a wide range of options tailored to diverse consumer needs, including rewards programs, travel perks, and low-interest rates. Many providers focus on enhancing the customer experience through user-friendly digital platforms and comprehensive customer support. Credit cards in Japan are widely accepted and come with features such as contactless payments, fraud protection, and attractive bonus points for spending. Additionally, issuers often collaborate with retailers and service providers to offer exclusive discounts and promotions, making credit cards a convenient and beneficial tool for managing finances and maximising purchasing power.
Comparison
| Credit Card Issuer | Membership Fee | Point Rate | Ease of Approval |
| JCB | Varies | 0.5% – 1.0% | Moderate |
| Rakuten Card | Free | 1.0% – 3.0% | Easy |
| MUFG Card | Varies | 0.5% – 1.0% | Moderate |
| SMBC Card | Varies | 0.5% – 1.0% | Moderate |
| ÆON Card | Free | 0.5% – 1.0% | Easy |
| JA Card | Free | 0.5% – 1.0% | Easy |
| View Card | Varies | 0.5% – 1.5% | Moderate |
| Mizuho Bank Credit Card | Varies | 0.5% – 1.0% | Moderate |
| Orico Card | Varies | 0.5% – 1.0% | Moderate |
| Seven Card | Free | 0.5% – 1.0% | Easy |
| JAL Card | Free | 0.5% – 1.0% | Easy |
| SoftBank Card | Free | 1.0% | Moderate |
| Yahoo! JAPAN Card | Free | 1.0% | Easy |
Details of Each Credit Cards
Rakuten Card (楽天カード)
The Rakuten Card is a highly popular credit card in Japan, renowned for its generous reward system.
Cardholders earn Rakuten Points with every purchase, which can be redeemed on the Rakuten Ichiba shopping platform and various partner stores. The card offers no annual fee, making it accessible and cost-effective. It provides additional benefits like travel insurance, fraud protection, and exclusive discounts.
Ideal for frequent online shoppers and those looking to maximise their spending rewards, the Rakuten Card combines convenience with substantial financial perks, enhancing everyday transactions and boosting overall purchasing power.
JCB Card (JCBカード)
The JCB Card is a prestigious and widely recognised credit card in Japan, offering a variety of options tailored to different lifestyles.
Known for its extensive acceptance both domestically and internationally, it provides cardholders with valuable benefits such as travel insurance, dining discounts, and exclusive access to JCB Plaza Lounges worldwide. With a robust rewards program, users can earn points on every purchase, redeemable for a wide range of products and services.
CB Card ensures secure transactions and excellent customer service, making it a reliable choice for those seeking convenience, security, and rewarding experiences in their financial transactions.
MUFG Card (三菱UFJカード)
The MUFG Credit Card, issued by Mitsubishi UFJ Financial Group, is a reputable and reliable choice in Japan.
It offers a range of cards tailored to various needs, from basic to premium options. Cardholders benefit from extensive travel insurance, reward points, and exclusive discounts on dining and shopping. The MUFG Card is recognised for its robust security features and global acceptance, making it ideal for both domestic and international use.
With excellent customer support and a user-friendly online management system, the MUFG Credit Card provides a convenient and rewarding experience for all types of spenders.
SMBC Card (三井住友カード)
The SMBC Credit Card, offered by Sumitomo Mitsui Banking Corporation, is a versatile and widely accepted choice in Japan.
It caters to a variety of financial needs with options ranging from basic to premium cards. Cardholders enjoy benefits such as cashback, reward points, and travel insurance. The SMBC Credit Card is known for its security features, reliable customer service, and comprehensive online account management. It is ideal for both domestic and international use, providing convenience and value.
Whether for everyday purchases or special occasions, the SMBC Credit Card delivers a balanced mix of benefits and functionality.
Mizuho Card (みずほカード)
The Mizuho Credit Card, issued by Mizuho Bank, is a reliable and widely accepted option in Japan.
It offers a range of cards designed to meet various needs, from everyday shopping to travel. Cardholders benefit from a robust point system, travel insurance, and exclusive discounts. Known for its secure transactions and efficient customer service, the Mizuho Credit Card ensures peace of mind for users.
It also provides comprehensive online account management, making it easy to track spending and rewards. Ideal for both domestic and international use, the Mizuho Credit Card combines convenience, security, and value in a straightforward package.
ÆON Card (イオンカード)
The ÆON Credit Card is a popular choice in Japan, especially for frequent shoppers at ÆON malls and stores.
It offers no annual fee and a robust point system, allowing cardholders to earn points on every purchase, which can be redeemed for discounts and rewards within the ÆON network. Additional benefits include exclusive member discounts, special promotions, and travel insurance. Known for its secure transactions and user-friendly online account management, the ÆON Credit Card provides convenience and value.
It is an excellent option for those seeking to maximise their shopping benefits while enjoying financial flexibility and reliable customer service.
Amex Card (アメックスカード)
The American Express (or AMEX) Credit Card is renowned globally for its premium services and extensive benefits.
In Japan, it offers a variety of cards tailored to different needs, including travel, dining, and shopping. Cardholders enjoy perks such as comprehensive travel insurance, access to exclusive airport lounges, and a robust rewards program. Known for its exceptional customer service and secure transactions, American Express provides a reliable and prestigious option for both domestic and international use.
With user-friendly online account management and numerous exclusive offers, the American Express Credit Card delivers convenience, security, and a rewarding experience for its users.
JA Card (ジェイエーカード)
The JA Credit Card, issued by Mitsubishi UFJ NICOS, is an excellent option for foreigners in Japan, particularly those involved with Japan Agricultural Cooperatives (JA).
It offers a generous point system, with points redeemable for JA products and services, and features no annual fee for the first year. Cardholders benefit from comprehensive travel insurance and exclusive JA discounts. The card is known for its secure transactions and reliable customer support, ensuring peace of mind.
With an easy-to-use online account management system, tracking spending and rewards is straightforward, making the JA Credit Card a practical choice for foreigners seeking value and convenience in Japan.
Diners Club Card (ダイナースクラブカード)
The Diners Club Credit Card is a prestigious and exclusive choice in Japan, catering to affluent individuals and frequent travellers.
It offers a range of premium benefits, including access to global airport lounges, comprehensive travel insurance, and exclusive dining and lifestyle privileges. Known for its superior customer service and robust security features, the Diners Club Card ensures a high level of convenience and peace of mind. Cardholders also benefit from a rewarding points program, redeemable for luxury goods and services.
Ideal for those seeking top-tier perks and global acceptance, the Diners Club Credit Card delivers a premium and reliable experience.
Orico Card (オリコカード)
The Orico Credit Card, issued by Orient Corporation, is a versatile and popular choice in Japan.
It offers a variety of card options to suit different lifestyles, including those tailored for shopping, travel, and everyday use. Cardholders benefit from a flexible payment system, a robust rewards program, and attractive discounts with partner retailers. Known for its secure transactions and efficient customer service, the Orico Credit Card ensures convenience and peace of mind. With comprehensive online account management, it is easy to track spending and manage rewards.
The Orico Credit Card combines practicality, value, and reliability for a seamless financial experience.
SoftBank Card (ソフトバンクカード)
The SoftBank Credit Card, affiliated with the major Japanese telecommunications company SoftBank, offers a range of benefits tailored to its users.
Ideal for SoftBank mobile customers, it provides cashback rewards on SoftBank services, including phone bills and purchases. The card features a robust point system, travel insurance, and exclusive discounts at partner stores. Known for its secure transactions and efficient customer support, the SoftBank Credit Card ensures convenience and value. With easy online account management, users can effortlessly track spending and rewards.
It is a practical choice for those seeking to maximise their SoftBank-related benefits while enjoying financial flexibility.
Yahoo! JAPAN Card (ヤフーカード)
The Yahoo! JAPAN Credit Card is a convenient and rewarding option for users, especially those who frequently shop online.
It offers a robust point system, earning points on every purchase that can be redeemed on Yahoo! JAPAN services and partner stores. The card features no annual fee and provides additional benefits like travel insurance and fraud protection. Known for its secure transactions and user-friendly online account management, the Yahoo! JAPAN Credit Card ensures ease and reliability.
It is an excellent choice for maximising online shopping benefits while enjoying comprehensive support and financial flexibility.
Seven Card (セブンカード)
The Seven Credit Card, offered by Seven & i Holdings, is a practical choice for frequent shoppers at 7-Eleven, Ito-Yokado, and other affiliated stores.
Cardholders benefit from a robust point system, earning points on every purchase that can be redeemed within the Seven & i network. The card features no annual fee and provides additional perks such as exclusive discounts and promotions. Known for its secure transactions and efficient customer service, the Seven Credit Card ensures convenience and value.
With user-friendly online account management, it is easy to track spending and rewards, making it ideal for everyday use.
View Card (ビューカード)
The View Credit Card, issued by JR East, is ideal for commuters and travellers in Japan.
It offers substantial benefits for those using JR East trains and affiliated services, including bonus points for ticket purchases and Suica card recharges. Cardholders enjoy no annual fee for the first year, travel insurance, and exclusive discounts at partner stores. Known for its secure transactions and reliable customer support, the View Credit Card provides a seamless and rewarding experience.
Its user-friendly online account management makes tracking spending and rewards easy, making it a practical choice for daily commuting and travel-related expenses.
JAL Card (ジャルカード)
Recruit Card (レクルートカード)
FAQs
Must be at least 20 years old, have residency in Japan, and a stable income.
Valid ID (Zairyu Card or My Number Card), proof of income (payslips, tax certificate), proof of residence (utility bill or Juminhyo), and bank account details.
Yes, many banks and credit card companies offer online applications.
The approval process typically takes 1 to 3 weeks.
Review the reasons for denial, improve your financial situation or credit history, and consider reapplying or choosing a different card.
Yes, some credit cards accept applications from students and part-time workers, though conditions may vary.
Yes, one person can get more than one credit card in Japan. However, consider your Credit score impact.
A good credit history is beneficial and can improve your chances of approval, though it is not always mandatory.
Yes, having a Japanese bank account is essential for automatic payments and managing your credit card.
Some banks and issuers offer cards tailored to the needs of foreigners, with easier application processes and support in multiple languages.
Convenience in transactions, reward points, cashback, building credit history, and ease of online shopping.
Yes, most Japanese credit cards can be used internationally, but be aware of foreign transaction fees.
Annual fees, late payment fees, cash advance fees, and foreign transaction fees may apply.
Pay your bills on time, maintain a low credit utilisation ratio, and avoid unnecessary debt.
Yes, many cards do not require a guarantor, but having one may improve your chances if your credit history or income is limited.
Immediately contact your credit card issuer to report the loss and request a replacement.
Conclusion
In conclusion, to successfully apply for a credit card in Japan, certain essential requirements must be met. These include being at least 20 years old, having residency in Japan, maintaining a stable and verifiable income, holding a Japanese bank account for automatic payments, and providing valid identification such as a Zairyu Card or My Number Card. Additionally, applicants need to submit proof of income and proof of residence. Meeting these fundamental criteria is crucial to enhance the likelihood of approval, while factors like credit history and employment status, although beneficial, are not always mandatory.
References
- Japan Ministry of Internal Affairs and Communications
- Immigration Services Agency of Japan
- GaijinPot
- Tokyo Cheapo
- Japan Financial Services Agency