MoneyInJapan

Credit cards that earn V POINT

14 cards in the researched lineup earn V POINT. Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.

SMBC / CCC

Official programme page

How V POINT works

Run by
SMBC / CCC
What a point is worth
1 point=¥1 in common uses

How you earn

Earning rule
Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100
Programme bonuses
Selected convenience/restaurant smartphone contactless; family/Olive conditions; preferred stores and annual-spend bonuses by card
Spend that earns
Eligible card shopping
Spend that earns less, or nothing
Fees, cash advances, designated e-money/charges and bonus-excluded transaction routes
Caps, registration and thresholds
Headline maximum requires multiple SMBC banking/family/app conditions; annual-spend calculations exclude named transactions
Expiry
1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ

Using your points

What points can be used for
V Point Pay Visa spending; card bill offset; stores; investment; SBI Securities; airline miles; partner points; products/donations
Statement credit or cash
1 point=¥1 toward eligible card bills
Shopping and merchants
V Point partner stores and V Point Pay
Airlines and travel
ANA and other mileage routes; ratios depend on card/course
Hotels
Indirect via Visa spending/partners
Transit and e-money
V Point Pay can be used at eligible Visa contactless/online merchants
Partner points and gifts
Multiple partner points, including PayPay exchange with restrictions
Investing and charity
SBI Securities/card accumulation and point investment
Highest-value route
Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio

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

14 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 17Permanent Points (永久不滅ポイント) 15WAON POINT 15Rakuten Points 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.