Credit cards that earn PayPay Points
2 cards in the researched lineup earn PayPay Points. Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.
PayPay
How PayPay Points works
- Run by
- PayPay
- What a point is worth
- 1 point=¥1 in eligible PayPay uses
How you earn
- Earning rule
- PayPay Card: base points per ¥200; card/tier and PayPay Step can increase the rate
- Programme bonuses
- PayPay Step and campaigns; Gold has ecosystem/telecom benefits subject to conditions
- Spend that earns
- Eligible PayPay Card and PayPay transactions
- Spend that earns less, or nothing
- Fees, cash advances, point-funded payments and designated transactions; PayPay-app routing can change eligibility
- Caps, registration and thresholds
- PayPay Step needs monthly amount/count targets; campaigns have caps
- Expiry
- Ordinary PayPay Points: no expiry; limited points have stated expiry
Using your points
- What points can be used for
- PayPay merchant payments; Yahoo/LINE Yahoo services; PayPay Card bill payment; point investment/asset services
- Statement credit or cash
- From 2026, eligible points can offset PayPay Card bills in 1-point units
- Shopping and merchants
- PayPay-enabled physical and online merchants; official stores
- Airlines and travel
- PayPay-supported travel merchants; no standard airline-mile route
- Hotels
- Via PayPay/Yahoo travel payment where eligible
- Transit and e-money
- PayPay merchant acceptance; not cash withdrawal or peer transfer
- Partner points and gifts
- Two-way V Point exchange exists with restrictions on exchanged V Points
- Investing and charity
- Point management, asset management and selected insurance/investment services
- Highest-value route
- Bill offset or ordinary PayPay spending at ¥1 per point; investment only if risk is acceptable
Programme rules published by paypay.ne.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
PayPay Card
PayPay Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–5%
- Variants
- 3
PayPay Points
#8 on the comparison siteOfficial site
Reward ranges are Kakaku.com’s own calculations as of 2026-08-16. The issuer’s official page governs fees, caps and benefit terms. kakaku.com
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Browse another way
231 cards and 391 network variants recorded from official issuer lineup and product pages as of 2026-08-16. Fees, benefits and campaigns change — check the issuer page before applying.