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.
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
Strong for qualifying au users
Watch out for
Caps, exclusions, and required conditions
How you earn
- Earning rule
- Card-specific; au PAY Card generally 1 point per ¥100 eligible spend
- Extra earning on this card
- au/UQ charges and au PAY auto-charge up to advertised rates
- 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
- ¥11,000
- Insurance
- Travel insurance
- Lounges and travel services
- Domestic lounges
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · American Express
- Stated eligibility
- 20+ with stable income
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 | ¥11,000 | Selectable network stated or represented at family level |
| Mastercard | ¥11,000 | Selectable network stated or represented at family level |
| American Express | ¥11,000 | Selectable network stated or represented at family level |
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.