Epos Card vs PayPay Card
A side-by-side comparison of the standard Epos Card and PayPay Card on network, fixed cost, points, expiry, add-on cards and payment settings.
For: People deciding specifically between the Epos Card and the PayPay Card. · Verified: 2026-07-30
Official-fact comparison
| Criterion | Epos Card | PayPay Card |
|---|---|---|
| Network | Visa. | Visa, Mastercard, or JCB. |
| Primary-card fee | No annual fee for the standard card. | No annual fee for the standard card. |
| Points program | Earns Epos Points. | Earns PayPay Points. |
| Base earning rule | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. |
| Point expiry | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. |
| Family card | The standard Epos Card does not advertise a conventional family-card add-on; do not infer availability from other tiers. | Family cards are offered under issuer conditions. |
| ETC card | An ETC card can be requested under issuer conditions. | ETC cards are offered; check the current per-card fee. |
| Revolving-payment warning | Revolving payment incurs the issuer-stated fee/rate; confirm any later conversion or automatic setting. | Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and later-payment changes. |
Methodology and limitations
We compare only current, official-issuer facts stored in each card record. Campaign awards are excluded from base rewards, and an unverified feature is shown as not confirmed rather than inferred.
This is a feature comparison, not a ranking of approval likelihood. Issuers make their own screening decisions. Fees, rewards and terms can change, so check the linked official sources before applying.
Safety check before applying
Does “first card” mean easier approval?
No. Inclusion is based on features and issuer-stated eligibility; we do not assess approval likelihood.
Are campaign rewards included in the base reward?
No. Awards with a period, enrollment or spending condition are kept separate from enduring terms.