au PAY Gold Card au PAY ゴールドカード
au/UQ household gold card · au Financial Service · Credit cards
An ¥11,000 gold card delivering up to 10% on eligible au/UQ mobile charges and up to a combined 5.5% through eligible au PAY funding and payment, plus lounges; ordinary outside spend stays around 1%.
Highlights
- Up to 10% on eligible au/UQ mobile charges
- Up to 5.5% via eligible au PAY funding + payment
- Airport lounges and insurance
Things to consider
- Headline rates require ecosystem conditions and caps
- Ordinary outside spend is around 1%
Fees: ¥11,000 annual fee; highly competitive inside the au ecosystem.
Card facts
- Network
- Visa or Mastercard.
- Annual fee
- ¥11,000 including tax for the primary card.
- Fee waiver
- No standing annual fee waiver.
- Rewards
- Earns Ponta Points.
- Base earning
- About 1% on general spend; up to 10% on eligible au/UQ charges and up to a combined 5.5% via au PAY, subject to conditions and caps.
- Bonus conditions
- Telecom and au PAY uplifts require ecosystem participation, eligible funding/payment methods and monthly caps.
- 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 issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- Travel insurance and purchase protection apply under the guide with activation, limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Complimentary domestic airport lounges are offered under current terms.
- 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.