Deposit Life Card デポジット型ライフカード
everyday card · Life Card · Credit cards
Deposit Life Card is a everyday card from Life Card, issued on Mastercard. The annual fee is ¥5,500 including tax. It earns LIFE Points at a published base rate of about 0.5% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
Highlights
- Annual fee ¥5,500 including tax
- Earns LIFE Points at about 0.5% base rate
- ETC availability depends on tier
Things to consider
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥5,500 a year.
- Stated eligibility: 20+; deposit and screening; issuance remains subject to screening.
Fees: The annual fee is ¥5,500 including tax.
Points and rewards
This card earns LIFE Points at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- LIFE Points
- Base earning rate
- 0.5%
- What a point is worth
- Variable by exchange; calculate yen value before comparing
Best for
Option for people with credit-history difficulty
Watch out for
Deposit ties up cash; fee and limit
How you earn
- Earning rule
- Card-specific Life Points per ¥1,000; stage and birthday-month multipliers apply under current rules
- Extra earning on this card
- Standard card use backed by deposit
- Programme bonuses
- Birthday month 3x; annual-use stage; card-specific campaigns/cashback
- Spend that earns
- Eligible shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions
- Caps, registration and thresholds
- Bonus and conversion minimums vary
- Expiry
- Up to 5 years when required carry-forward procedures/conditions are met
Using your points
- What points can be used for
- Cash back; gift cards/e-gifts; partner points; ANA miles; products; donations
- Statement credit or cash
- Cash-back exchange is available at a program-specific ratio
- Shopping and merchants
- Gift cards/e-gifts and products
- Airlines and travel
- ANA-mile transfer and travel-related items
- Hotels
- Indirect via gift/partner routes
- Transit and e-money
- Selected e-money/partner routes
- Partner points and gifts
- Multiple loyalty programs and ANA
- Investing and charity
- Donations; limited financial routes
- Highest-value route
- Highest-yen gift/partner route you will actually use; track extension procedures
Programme rules published by lifecard.co.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
- ¥5,500
- Insurance
- See official page
- Family cards and ETC
- ETC availability depends on tier
- Networks
- Mastercard
- Stated eligibility
- 20+; deposit and screening
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 |
|---|---|---|
| Mastercard | ¥5,500 | Selectable network stated or represented at family level |
Card facts
- Network
- Mastercard.
- Annual fee
- The annual fee is ¥5,500 including tax.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns LIFE Points.
- Base earning
- It earns LIFE Points at a published base rate of about 0.5% 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
- LIFE Points 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
- See official page. 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
- 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
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- ETC availability depends on tier
- ETC card
- ETC availability depends on tier
- Stated eligibility
- Stated eligibility: 20+; deposit and screening. 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.