Sumitomo Mitsui Card (NL) vs d Card
A side-by-side comparison of the standard Sumitomo Mitsui Card (NL) and d Card on network, fixed cost, points, expiry, add-on cards and payment settings.
For: People deciding specifically between the Sumitomo Mitsui Card (NL) and the d Card. · Verified: 2026-07-30
Official-fact comparison
| Criterion | Sumitomo Mitsui Card (NL) | d Card |
|---|---|---|
| Network | Visa or Mastercard. | Visa or Mastercard. |
| Primary-card fee | No annual fee for the standard card. | No annual fee for the standard d Card. |
| Points program | Earns V Points. | Earns d POINT. |
| Base earning rule | Base points accrue on eligible purchases; exclusions and rounding rules apply. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. |
| Point expiry | Expiry is governed by the current V Point terms and activity rules. | Validity follows current d POINT Club rules and point type. |
| Family card | Family cards are available under issuer conditions. | Family cards are available under issuer conditions. |
| ETC card | An ETC card is offered; check current fee conditions. | An ETC card is available; current fee treatment may depend on use. |
| Revolving-payment warning | Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and later-payment changes. | 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.