Sumitomo Mitsui Card (NL)
三井住友カード（NL）No-annual-fee credit card · Sumitomo Mitsui Card
- Annual fee
- Free
- English
- No
Visa/Mastercard card with no annual fee for the standard card and conditional V Point bonuses.
SMBC Card (NL) profile
A no-fee card whose selected convenience-store and restaurant route can reach 7%.
Direct answers
SMBC Card (NL) has no annual fee and an ordinary ~0.5% base, but eligible smartphone-touch payments at selected convenience stores and restaurants can reach 7% — physical-card touch and iD are not equivalent.
Key points
- Issuer: Sumitomo Mitsui Card; no annual fee; base about 0.5% in V Points.
- Selected convenience-store/restaurant smartphone contactless can reach 7%.
- Physical-card touch and iD are not eligible for the 7% route.
- Integrates with SBI Securities investing (tier/spend conditions).
- Excellent specialist card; mediocre as an uncategorised 0.5% card.
Where the 7% applies — and where it does not
SMBC Card (NL) has no annual fee and an ordinary base near 0.5% in V Points, which is mediocre for uncategorised spending. Its value is the selected convenience-store and restaurant offer: eligible smartphone contactless or eligible mobile ordering at specified chains can reach seven percent. The critical detail is method — physical-card touch and iD are not equivalent and do not qualify, and because the seven percent already includes the base, you must not add a separate 0.5%. Additional family/Olive conditions may raise selected rates. A temporary offer advertised up to 29,000 points for qualifying applications and usage from July 23 through September 30, 2026.
Who this is for
- Heavy convenience-store and casual-dining spenders
What this is not
- People wanting a strong flat uncategorised rate
Important cautions
- iD and physical-card touch are excluded from the 7% route; verify the exact eligible payment path.
Related products & services
Frequently asked questions
Is SMBC Numberless a 7% card everywhere?
No. Seven percent applies only to specified convenience stores and restaurants and only via the exact eligible smartphone contactless (or eligible mobile ordering) route. Physical-card touch and iD are excluded, and because seven percent already includes the base, you must not add a separate 0.5%.
Does iD qualify for SMBC’s selected-store 7%?
No, the cited terms exclude iD from that route. iD and QUICPay are contactless rails with no independent point rate and are not interchangeable with Visa/Mastercard/JCB network touch for bonus categories. Always identify which credential is actually being charged before assuming a category bonus.