d Card dカード
No-annual-fee credit card · NTT DOCOMO · Credit cards
No-annual-fee standard card earning d POINT on eligible use, with ecosystem benefits under current terms.
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 d POINT at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- d POINT
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 for eligible uses
Best for
Simple 1% card for d POINT users
Watch out for
Some Docomo bill payments may not earn normal points
How you earn
- Earning rule
- Card-specific; standard d Card purchases generally earn 1 point per ¥100
- Extra earning on this card
- d CARD merchants and Docomo ecosystem bonuses
- Programme bonuses
- d Card merchant offers; Docomo telecom/service benefits on Gold/Platinum tiers; campaign/limited points
- Spend that earns
- Eligible card shopping and ecosystem transactions
- Spend that earns less, or nothing
- Electronic-money charges, fees, cash advances and designated transactions; some Docomo charges may not earn base card points
- Caps, registration and thresholds
- Telecom bonus rates, investment and campaigns have service-specific caps/registration
- Expiry
- Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry
Using your points
- What points can be used for
- d POINT stores; online services; Docomo charges; d払い; JAL miles; products; donations; point investment
- Statement credit or cash
- Use toward eligible Docomo service charges; not general cash withdrawal
- Shopping and merchants
- d POINT partner stores and d払い
- Airlines and travel
- 1,000 d points→500 JAL miles; monthly exchange cap applies
- Hotels
- Indirect via partner/travel services
- Transit and e-money
- d払い/partner uses; no universal transit cash-out
- Partner points and gifts
- JAL miles and selected partner/product exchanges
- Investing and charity
- d POINT investment and selected investment services/donations
- Highest-value route
- ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more
Programme rules published by dpoint.docomo.ne.jp · 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
- Shopping/phone protection subject to terms
- Family cards and ETC
- Family card free; ETC terms apply
- Networks
- Visa · 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 |
|---|---|---|
| Visa | Free | Selectable network stated or represented at family level |
| Mastercard | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Visa or Mastercard.
- Annual fee
- No annual fee for the standard d Card.
- Fee waiver
- Not applicable because the standard card has no annual fee.
- Rewards
- Earns d POINT.
- Base earning
- d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply.
- Bonus conditions
- d Card special merchants and campaigns have separate award conditions and are not the base earning rule.
- Point expiry
- Validity follows current d POINT Club rules and point type.
- Redemption
- Use options include eligible d POINT merchants and services; conditions vary.
- Foreign transaction fee
- Foreign-currency use incurs the designated overseas processing charge; check the current rate.
- Insurance
- Travel and mobile-device insurance, where applicable, have activation, age, event, limit, and exclusion rules.
- Purchase protection
- Shopping protection applies only to qualifying purchases and claims under the current guide.
- 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
- Mobile payment support depends on network, device, and configured service.
- Family cards
- Family cards are available under issuer conditions.
- ETC card
- An ETC card is available; current fee treatment may depend on use.
- Stated eligibility
- The issuer states age, personal-name payment account, and other application requirements; 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 issuer approval and is governed by disclosed rate, 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.
d 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 |  d Card |  Rakuten Card |  Epos Card |  Sumitomo Mitsui Card (NL) |  JCB Card S |  PayPay Card |  au PAY Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the standard d 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 card. | No annual fee for the standard card. |
| Points | Earns d POINT. | Earns Rakuten Points. | Earns Epos Points. | Earns V Points. | Earns J-POINT under the current JCB program. | Earns PayPay Points. | Earns Ponta Points. |
| Base earning | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment 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. | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. | Ponta Points accrue on eligible card use; exclusions and calculation rules apply. |
| Point expiry | Validity follows current d POINT Club rules and point type. | 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. | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. | Point validity follows current Ponta program terms and activity treatment. |