d Card and d Card GOLD profile
The no-fee d POINT card, and when the Gold version pays off.
The no-fee d Card earns about 1% in d POINT; d Card GOLD (¥11,000) is worthwhile mainly for high eligible docomo billing, where a ten-percent-equivalent reward can exceed the fee.
Key points
- Issuer: NTT DOCOMO; d Card no fee, ~1% base; d Card GOLD ¥11,000.
- d払い funding adds 0.5% to the wallet’s 0.5% where eligible.
- d Card GOLD: eligible docomo mobile/Hikari charges can earn 10%-equivalent.
- From September 1, 2026 the d払い funding bonus becomes limited-use points.
- GOLD is best only with sufficiently high eligible docomo billing.
No-fee base and the Gold threshold
The no-fee d Card commonly earns about 1% in d POINT and is a straightforward choice for d POINT users; funding d払い with an eligible d Card adds 0.5% to the wallet’s 0.5%. Check excluded payments, and note that from September 1, 2026 the d Card payment-method bonus for d払い was scheduled to be issued as limited-time/use points rather than ordinary points. The d Card GOLD (¥11,000 annually) is best for high eligible docomo billing: eligible docomo mobile and Docomo Hikari charges can receive ten-percent-equivalent rewards under the program’s ¥1,000 tax-exclusive units, plus a ¥1,000,000 annual-use benefit worth up to ¥10,000. A rough fee break-even against a 1% alternative is about ¥122,223 of fully eligible annual pre-tax charges, but rounding, exclusions, and caps matter.
Who this is for
- d POINT users; high-billing docomo customers for GOLD
What this is not
- Non-docomo users considering GOLD
- d Card GOLD is usually less compelling without docomo services; the fee needs eligible billing to justify it.
Frequently asked questions
Is d Card GOLD worth the fee?
Mainly for high eligible docomo billing. Eligible docomo mobile and Docomo Hikari charges can earn ten-percent-equivalent rewards, and a rough break-even against a 1% card is about ¥122,223 of fully eligible annual pre-tax charges — but rounding, exclusions, and caps matter. Without docomo services it is usually less compelling.
What is d払い’s reward rate?
About 0.5% d POINT on eligible transactions, rising to roughly 1% before store points when funded by an eligible d Card (0.5% payment plus 0.5% funding bonus). From September 1, 2026 the d Card funding bonus was scheduled to become limited-time/use points.