Amazon Mastercard
No-annual-fee co-brand card · Sumitomo Mitsui Card · Credit cards
A no-fee Mastercard issued by Sumitomo Mitsui Card that earns 2% for Amazon Prime members on Amazon and 1.5% at major convenience stores, with an unusually low overseas fee.
- 2% on Amazon for Prime members, 1.5% at major convenience stores
- No annual fee
- Lower overseas processing charge than typical SMBC Mastercard
- Outside Amazon and bonus categories it is a standard ~1% card
- Amazon campaign amounts can be account-specific
Fees: No annual fee; interest applies only if you use revolving or instalment payments.
Points and rewards
This card earns Amazon Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Amazon Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 on eligible Amazon.co.jp purchases
Strong Amazon-native return
Amazon-only rewards; specific wallet method needed for maximum convenience-store rate
How you earn
- Earning rule
- Card-specific; Amazon Mastercard rate depends on Prime status/Amazon vs convenience-store vs other spend
- Extra earning on this card
- Amazon 2% Prime / 1.5% non-Prime; convenience-store bonuses
- Programme bonuses
- Higher Amazon rate for Prime and named convenience stores; campaigns
- Spend that earns
- Eligible card shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated Amazon/card transactions
- Caps, registration and thresholds
- Prime status and merchant identification determine rate
- Expiry
- Amazon account rules apply; activity generally extends ordinary points
Using your points
- What points can be used for
- Eligible Amazon.co.jp purchases
- Statement credit or cash
- No general card bill credit
- Shopping and merchants
- Amazon.co.jp closed-loop use
- Airlines and travel
- None directly
- Hotels
- None directly
- Transit and e-money
- None directly
- Partner points and gifts
- No standard outward transfer
- Investing and charity
- No
- Highest-value route
- Amazon purchases at ¥1 per point
Programme rules published by smbc-card.com · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- Free
- Insurance
- See official page
- Family cards and ETC
- Family up to 3 free; ETC free
- Networks
- Mastercard
- Stated eligibility
- 18+; high-school students excluded
Issuance and the credit limit remain subject to the issuer’s screening.
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| Mastercard | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Mastercard.
- Annual fee
- No annual fee.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns Amazon points / V Points depending on the current program.
- Base earning
- Around 1% on general spend, 2% on Amazon for Prime members and 1.5% at designated convenience stores; exclusions apply.
- Bonus conditions
- The 2% Amazon rate requires an active Amazon Prime membership; convenience-store and touch-payment bonuses have their own conditions.
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- Foreign-currency use incurs the designated overseas processing charge (published around 1.63%), lower than typical SMBC Mastercard products; verify the current rate.
- Insurance
- No broad general travel-insurance benefit is asserted for this card in this record.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Not confirmed in reviewed official material (not the same as “no”)
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Family cards are available under the issuer fee and eligibility conditions.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Applicants must satisfy the issuer-stated age, income/status and other conditions; issuance and limits remain subject to screening. No approval-likelihood claim is made.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.