Credit cards that earn Ponta
3 cards in the researched lineup earn Ponta. Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.
KDDI / Loyalty Marketing
How Ponta works
- Run by
- Loyalty Marketing / KDDI
- What a point is worth
- 1 point=¥1 at eligible uses
How you earn
- Earning rule
- Card-specific; au PAY Card generally 1 point per ¥100 eligible spend
- Programme bonuses
- au/UQ/service and Ponta-partner campaigns; au PAY Gold telecom/autoload benefits have conditions
- Spend that earns
- Eligible card shopping and partner transactions
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions; bonus exclusions differ
- Caps, registration and thresholds
- au PAY charging/telecom benefits and campaigns may have monthly caps and registration
- Expiry
- Generally 1 year after the last point earn/use, extended by qualifying activity; limited points differ
Using your points
- What points can be used for
- Ponta partner stores; au PAY balance charge; au services; travel; JAL miles; products; donations and investment-related services
- Statement credit or cash
- Use through au PAY/eligible services rather than cash withdrawal
- Shopping and merchants
- Ponta stores and au PAY merchants after charging
- Airlines and travel
- JAL-mile and travel-service routes available
- Hotels
- Travel partners and booking uses vary
- Transit and e-money
- au PAY balance can be used widely; direct transit rules vary
- Partner points and gifts
- JAL miles and multiple partner services
- Investing and charity
- Ponta investment/stock-related services and donations where offered
- Highest-value route
- 1-point=¥1 Ponta/au PAY use for simplicity; JAL only with a specific award target
Programme rules published by au.com · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
au Financial Service
au PAY Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–1.5%
- Variants
- 3
Ponta
#27 on the comparison siteOfficial site
2Recruit
Recruit Card
- Annual fee
- Free
- Base rate
- 1.2%
- Variants
- 3
Recruit Points / Ponta / d POINT
Official site
au Financial Service
au PAY Gold Card
- Annual fee
- ¥11,000
- Base rate
- 1%
- Reward range
- 1%–1.5%
- Variants
- 3
Ponta
#29 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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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.