MoneyInJapan

Credit cards that earn Permanent Points (永久不滅ポイント)

15 cards in the researched lineup earn Permanent Points (永久不滅ポイント). Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.

Credit Saison

Official programme page

How Permanent Points works

Run by
Credit Saison
What a point is worth
Up to about ¥5 per point; bill credit is commonly 200 points→¥900

How you earn

Earning rule
1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary
Programme bonuses
Saison Point Mall up to advertised multipliers; card-specific domestic/overseas multipliers; eligible cards may use SAISON MILE CLUB
Spend that earns
Eligible shopping aggregated monthly
Spend that earns less, or nothing
Cash advances, interest/fees and designated transactions; some payments earn at reduced/no rate
Caps, registration and thresholds
Mall, QUICPay and mileage programs can have enrollment fees, caps or card restrictions
Expiry
No expiry while account remains eligible

Using your points

What points can be used for
Bill credit; gift cards/e-gifts; merchandise; ANA/JAL miles; partner points; donations; point investment/management
Statement credit or cash
200 points→¥900 on the standard points-to-bill route
Shopping and merchants
Gift cards/e-gifts and partner shopping rewards
Airlines and travel
ANA/JAL transfer; SAISON MILE CLUB on eligible cards
Hotels
Travel and hotel-related catalog/partner awards
Transit and e-money
Partner/e-money routes depend on current catalog
Partner points and gifts
Multiple partner points and gift cards
Investing and charity
Permanent Point investment/management and donations
Highest-value route
A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value

Programme rules published by saisoncard.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled

15 cards

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

Other lists like this one

ANA miles 23JAL miles 17WAON POINT 15Rakuten Points 14V POINT 14J-POINT 13Orico Points 13JRE POINT 11Membership Rewards 10Epos Points 7Global Points 7Diners Club Rewards 6Luxury Card Rewards 6QIRA Points 6VIASO Points 6d POINT 5Plus Points 5LIFE Points 4Metro Points 3Ponta 3TOKYU POINT 3U-POINT 3Hilton Honors points 2Marriott Bonvoy points 2

Browse another way

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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.