au PAY Card au PAY カード
No-annual-fee credit card · au Financial Service · Credit cards
No-annual-fee standard card earning Ponta Points, with au PAY linkage subject to charging and service rules.
Highlights
- No annual fee for the standard card
- Points on eligible spending
- Official online application subject to screening
Things to consider
- Bonus rates require specific conditions
- Confirm revolving-payment and foreign-use fees
Fees: No annual fee for the standard card; other cards and payment services have separate fees.
Card facts
- Network
- Visa or Mastercard.
- Annual fee
- No annual fee for the standard card.
- Fee waiver
- Not applicable because the standard card has no annual fee.
- Rewards
- Earns Ponta Points.
- Base earning
- Ponta Points accrue on eligible card use; exclusions and calculation rules apply.
- Bonus conditions
- Partner-store, service-linkage, and campaign bonuses have separate conditions and are not evergreen base earning.
- Point expiry
- Point validity follows current Ponta program terms and activity treatment.
- Redemption
- Ponta Points may be used at eligible merchants and services; conversion conditions vary.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated processing charge; verify the latest rate.
- Insurance
- Travel insurance is conditional; activation, covered persons, limits, and exclusions follow the guide.
- Purchase protection
- Purchase protection is limited by eligible item, payment, incident, claim, limit, and exclusions.
- 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
- au PAY and wallet support depends on account, device, network, merchant, and charging rules.
- Family cards
- Family cards are available under current issuer conditions.
- ETC card
- An ETC card is available; verify current issuance and annual-fee conditions.
- Stated eligibility
- Applicants must satisfy the issuer-stated age, contact, payment-account, and other conditions; screening applies.
- Application
- Apply through the issuer channel. Issuance and limits remain subject to screening; this record makes no approval-likelihood claim.
- 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 later-payment changes.
- Cash advance
- Cash advance requires approval and follows the disclosed interest, limit, and repayment terms.
- Limitations
- Terms, rates, benefits, and campaigns can change. Verify the dated issuer material; no approval ranking or foreign-resident eligibility claim is made.
au PAY Card vs other standard cards
A side-by-side view of fixed cost and point terms. Select any card name to open its full record.
| Criterion | au PAY Card | Rakuten Card | Epos Card | Sumitomo Mitsui Card (NL) | JCB Card S | d Card | PayPay Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the standard card. | No annual fee for the standard primary card. | No annual fee for the standard card. | No annual fee for the standard card. | No annual fee for the primary card. | No annual fee for the standard d Card. | No annual fee for the standard card. |
| Points | Earns Ponta Points. | Earns Rakuten Points. | Earns Epos Points. | Earns V Points. | Earns J-POINT under the current JCB program. | Earns d POINT. | Earns PayPay Points. |
| Base earning | Ponta Points accrue on eligible card use; exclusions and calculation rules apply. | Generally 1 point per ¥100 of eligible card use; exclusions and different rates apply. | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | Base points accrue on eligible purchases; exclusions and rounding rules apply. | Points accrue on eligible monthly card use under JCB rounding and exclusion rules. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. |
| Point expiry | Point validity follows current Ponta program terms and activity treatment. | Regular points expire one year after the last point was earned; earning a regular point extends the date. Limited-time points follow their stated date. | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | Expiry is governed by the current V Point terms and activity rules. | Point validity follows the current J-POINT terms for this card. | Validity follows current d POINT Club rules and point type. | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. |