PayPay Card
PayPayカードNo-annual-fee credit card · PayPay Card
- Annual fee
- Free
- English
- No
No-annual-fee standard card earning PayPay Points on eligible purchases under current program rules.
PayPay Card profile
The native no-fee card for the PayPay ecosystem.
Direct answers
The PayPay Card has no annual fee and a basic eligible return of about 1%; it is simplest for PayPay users, but since June 2, 2026 point-funded portions do not receive PayPay Step rewards.
Key points
- Issuer: PayPay Card Corporation; no annual fee; basic ~1%.
- Doubles as PayPay Credit funding within the Yahoo/SoftBank ecosystem.
- PayPay Step and campaigns depend on KYC, funding, and eligibility.
- Since June 2, 2026, point-funded portions do not earn Step rewards.
- PayPay Card Gold (¥11,000) targets a ¥1,000,000 annual-spend benefit.
Simple for PayPay users
The PayPay Card has no annual fee and a basic eligible return around 1%, and it doubles as PayPay Credit funding inside the Yahoo/SoftBank ecosystem — making it the natural card for heavy PayPay users. PayPay Step and campaigns can add more, but they depend on identity verification, funding source, and transaction eligibility. Since June 2, 2026, any portion paid with PayPay Points is excluded from Step rewards, so do not assume point-funded spending earns the Step bonus. The PayPay Card Gold (¥11,000 annually) targets a ¥1,000,000 annual-spend benefit that nominally offsets the fee at ¥1 per point, before opportunity cost and exclusions.
Who this is for
- Heavy PayPay users
What this is not
- People outside the PayPay/Yahoo ecosystem
Important cautions
- Japanese card approval generally requires residence in Japan, a domestic address, a reachable phone, a bank account, and underwriting; applications and support are often Japanese-first.
Related products & services
Frequently asked questions
Which no-fee cards have a base near 1%?
Rakuten Card, PayPay Card, d Card, au PAY Card, and JCB Card W are prominent no-annual-fee examples with an ordinary rate near one percent in their own point system. Choose by the redemption ecosystem you already use, not by the headline rate alone.
Does paying with PayPay Points earn Step rewards?
No, since June 2, 2026 the portion paid with PayPay Points is excluded from PayPay Step rewards, and PayPay Step now requires identity verification. Ordinary PayPay Points still do not expire, and points cannot be sent or withdrawn.