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.
Points and rewards
This card earns Ponta at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Ponta
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 at eligible uses
Best for
Useful in au/Ponta ecosystem
Watch out for
Auto-charge bonus has monthly conditions/cap
How you earn
- Earning rule
- Card-specific; au PAY Card generally 1 point per ¥100 eligible spend
- Extra earning on this card
- au PAY auto-charge up to advertised 1.5% after conditions
- Programme bonuses
- au/UQ/service and Ponta-partner campaigns; au PAY Gold telecom/autoload benefits have conditions
- Spend that earns
- Eligible card shopping and partner transactions
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions; bonus exclusions differ
- Caps, registration and thresholds
- au PAY charging/telecom benefits and campaigns may have monthly caps and registration
- Expiry
- Generally 1 year after the last point earn/use, extended by qualifying activity; limited points differ
Using your points
- What points can be used for
- Ponta partner stores; au PAY balance charge; au services; travel; JAL miles; products; donations and investment-related services
- Statement credit or cash
- Use through au PAY/eligible services rather than cash withdrawal
- Shopping and merchants
- Ponta stores and au PAY merchants after charging
- Airlines and travel
- JAL-mile and travel-service routes available
- Hotels
- Travel partners and booking uses vary
- Transit and e-money
- au PAY balance can be used widely; direct transit rules vary
- Partner points and gifts
- JAL miles and multiple partner services
- Investing and charity
- Ponta investment/stock-related services and donations where offered
- Highest-value route
- 1-point=¥1 Ponta/au PAY use for simplicity; JAL only with a specific award target
Programme rules published by au.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/ETC available
- Networks
- Visa · Mastercard · American Express
- 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 |
|---|---|---|
| Visa | Free | Selectable network stated or represented at family level |
| Mastercard | Free | Selectable network stated or represented at family level |
| American Express | Free | Selectable network stated or represented at family level |
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. |