How Global Point is earned on Mitsubishi UFJ Card products, what a point is worth by redemption route, and the two-year expiry rule.
Global Point is the Mitsubishi UFJ NICOS card currency: roughly 1 point per ¥1,000 of monthly spend, worth about ¥5 on the better redemption routes, expiring two years after it is earned.
Global Point is the reward currency of Mitsubishi UFJ NICOS credit cards, including the standard Mitsubishi UFJ Card, the VIASO card, Gold Prestige and the Platinum American Express tier. Base earning is stated as one point per ¥1,000 including tax, calculated on the monthly statement total rather than per transaction, so several small purchases in a month are added together before the remainder is dropped. Named merchant programs and the issuer’s POINT名人.com shopping mall raise the multiple substantially, but only when the purchase goes through the stated route or registered merchant — those uplifts are conditional and are not the base rate. The VIASO card is the exception worth knowing about: instead of manual redemption, its accumulated points are converted to a statement cashback once a year above a minimum threshold.
Global Point does not have a single fixed value — it depends on where you send it. Exchanges into other loyalty currencies and gift cards are commonly quoted at around ¥5 per point, which is what puts the base earn rate near 0.5% in real terms; weaker routes are worth less, so comparing “1 point per ¥1,000” against a program that pays 1 point per ¥100 tells you nothing until both are converted to yen. The expiry rule is the part that catches people: points lapse two years after the month in which they were earned, and unlike Rakuten Points there is no mechanism where continued activity extends an older balance. Practically, that means checking the balance and its expiry schedule at least once a year rather than treating the account as a savings pot. Redemption options published by the issuer include statement credits, gift cards, transfers to partner point programs and airline miles, each with its own rate and minimum exchange unit.
No-fee bank-group card · Mitsubishi UFJ NICOS
A no-fee card earning about 0.5% base that can reach up to 20% at selected stores when MUFG bank-account, app and merchant conditions align; strongest for MUFG-group customers.
MUFG-ecosystem gold card · Mitsubishi UFJ NICOS
An ¥11,000 gold card (first year free for eligible web applications) with domestic airport lounges, insurance, securities-investment rewards and MUFG selected-store bonuses.
No-fee card with automatic cashback · Mitsubishi UFJ NICOS
A no-annual-fee Mitsubishi UFJ Mastercard whose Global Points are automatically converted to a statement cashback once a year, so points never need manual redemption or expire unused.
Most major points (Rakuten, PayPay, d, V) are worth about ¥1 each when spent on everyday purchases, which makes them easy to value. Some points are worth more when converted to airline miles under the right redemption, and less when locked to a single store or close to expiry. As a rule, treat ¥1 as the baseline and be skeptical of “inflated” valuations that assume perfect redemption.
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.