d Card Gold U dカード GOLD U
Gold telecom and mobile-payment card · NTT DOCOMO · Credit cards
d Card Gold U is a Gold telecom and mobile-payment card from NTT DOCOMO, issued on Visa and Mastercard. The annual fee is ¥3,300 including tax. A stated waiver condition can remove it — check the exact threshold. It earns d POINT at a published base rate of about 1% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
- Annual fee ¥3,300 including tax
- Earns d POINT at about 1% base rate
- Domestic lounge benefits
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥3,300 a year.
- Stated eligibility: 18–29; issuance remains subject to screening.
Fees: The annual fee is ¥3,300 including tax. A stated waiver condition can remove it — check the exact threshold.
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
Lower-cost gold for eligible users
Ages out; fee waiver conditions
How you earn
- Earning rule
- Card-specific; standard d Card purchases generally earn 1 point per ¥100
- Extra earning on this card
- Docomo bill benefits
- 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
- ¥3,300
- Insurance
- Phone protection
- Lounges and travel services
- Domestic lounge benefits
- Family cards and ETC
- See official page
- Networks
- Visa · Mastercard
- Stated eligibility
- 18–29
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 | ¥3,300 | Selectable network stated or represented at family level |
| Mastercard | ¥3,300 | Selectable network stated or represented at family level |
Card facts
- Network
- Selectable networks: Visa and Mastercard. Benefits and the issuing company can differ by network.
- Annual fee
- The annual fee is ¥3,300 including tax. A stated waiver condition can remove it — check the exact threshold.
- Fee waiver
- A waiver is stated for the conditions on the issuer page; confirm the exact threshold.
- Rewards
- Earns d POINT.
- Base earning
- It earns d POINT at a published base rate of about 1% on eligible use; exclusions and rounding apply.
- Bonus conditions
- Not confirmed in reviewed official material (not the same as “no”)
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- d POINT sets the redemption options and the value of a point on its own programme page; the same earning rate is worth different amounts as a statement credit, partner points or miles.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- Phone protection. Activation, covered persons, limits and exclusions follow the policy guide.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Domestic lounge benefits. Access, guest and visit conditions are set by the current benefit 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
- See official page
- ETC card
- See official page
- Stated eligibility
- Stated eligibility: 18–29. 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
- Recorded from the issuer lineup and product page on the stated date. Terms, rates, benefits, insurance and campaigns can change; no approval ranking or foreign-resident eligibility claim is made.