Credit Saison’s no-expiry point currency: how it is earned, what a point is actually worth, and where the “永久不滅” promise stops.
Permanent Points are Credit Saison’s card currency and carry no expiry date while your membership is valid; earning is about 1 point per ¥1,000, and a point is worth roughly ¥5 on the better routes.
Permanent Points (永久不滅ポイント) are the currency of Credit Saison cards, from the no-fee Saison Card International through the Saison Amex range to the gold and platinum tiers. Base accrual is one point per ¥1,000 including tax of eligible monthly spend, calculated on the monthly total. Individual cards then layer conditional uplifts on top: the Saison Pearl American Express card pays an elevated rate — published as up to about 2% in value — on QUICPay payments routed through Apple Pay or Google Pay, up to an annual spending cap, and the Rose Gold and Gold Associé products apply higher multiples to overseas spend or to member-selected categories. Those uplifts each depend on the stated payment route, registration or category, so they should never be read as the card’s base rate.
The distinguishing feature is that points do not expire. That genuinely removes the most common way people lose value — a balance quietly lapsing — and it makes the program a reasonable fit for someone whose card spending is light or irregular. Two caveats matter. First, the promise attaches to the points, not to your relationship with the issuer: if the membership ends, whether by cancellation or otherwise, the balance goes with it, so “permanent” is not the same as “yours forever regardless”. Second, no expiry does not raise the exchange rate. Points redeem for items, gift cards, other loyalty currencies, airline miles and statement credits, and the effective value per point varies by route, commonly landing around ¥5 on the stronger options — which is what puts the base return near 0.5%. A card that never lets points lapse but pays 0.5% is still beaten, on pure return, by a 1% card whose points you actually spend.
Instant-issue digital card · Credit Saison
A no-annual-fee numberless card with digital details in as little as five minutes and non-expiring Permanent Points; a ¥1,650 service charge applies only after a full measurement period with no use.
telecom and mobile-payment card · Credit Saison
Saison Pearl Amex Digital is a telecom and mobile-payment card from Credit Saison, issued on American Express. The annual fee is ¥1,100 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold. It earns Permanent Points at a published base rate of about 0.5% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
Lifestyle-category gold card · Credit Saison
An ¥11,000 gold card, free the following year after ¥1,000,000 of annual spend, with elevated (capped) rewards on movies, convenience stores and cafés.
Ordinary PayPay Points currently have no expiration, while PayPay limited-time points do. Among cards, Saison Permanent Points (永久不滅ポイント) also do not expire. Most other programs use a one- to two-year window or extend the balance with activity, so a program with no expiry reduces the risk of losing a slowly accumulating balance.
Many do. Some points expire a fixed period after earning; others (like campaign or “limited-time” points) expire much sooner than regular points. To avoid losing them, concentrate on one ecosystem so balances stay active, spend limited-time points quickly on everyday items, and check the expiry rules in the app. Do not spend more just to “use up” points — that defeats the purpose.