d Card GOLD dカード GOLD
Docomo household gold card · NTT DOCOMO · Credit cards
An ¥11,000 gold card whose value centers on 10% d POINT on eligible docomo/ahamo charges, plus annual-spend benefits, lounges and enhanced phone protection.
Highlights
- 10% d POINT on eligible docomo charges
- Annual-spend benefit coupon and lounges
- Enhanced mobile-phone protection
Things to consider
- The 10% excludes parts of a mobile bill
- It is a household-bill card, not a blanket 10% card
Fees: ¥11,000 annual fee; justified mainly by 10% on eligible docomo charges.
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
Strong for qualifying Docomo spend
Watch out for
Excluded plans/charges and tax-exclusive calculation
How you earn
- Earning rule
- Card-specific; standard d Card purchases generally earn 1 point per ¥100
- Extra earning on this card
- Docomo mobile/hikari reward and annual-spend benefit
- 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
- ¥11,000
- Insurance
- Phone protection and travel cover
- Lounges and travel services
- Domestic lounges
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard
- Stated eligibility
- 18+ 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 |
Card facts
- Network
- Visa or Mastercard.
- Annual fee
- ¥11,000 including tax for the primary card.
- Fee waiver
- No standing annual fee waiver; the annual-spend coupon can offset the fee for eligible spend.
- Rewards
- Earns d POINT.
- Base earning
- Generally about 1% on eligible shopping, with 10% on eligible docomo/ahamo charges under detailed rules; exclusions apply.
- Bonus conditions
- The 10% telecom reward and special-shop uplifts follow detailed eligibility rules and are not the base rate.
- 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 mobile-phone 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.