Epos Card エポスカード
No-annual-fee credit card · Marui (Epos) · Credit cards
A no-annual-fee Visa card issued by Epos Card, with Epos Points and partner benefits subject to current terms.
Highlights
- No annual fee for the standard card
- Epos Points on eligible spending
- Online application; receipt options and timing depend on current issuer procedures
Things to consider
- Interface and support are Japanese-first
- Rewards suit those who use partner merchants
Fees: No annual fee for the base card; interest only on revolving/installment use.
Points and rewards
This card earns Epos Points at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- Epos Points
- Base earning rate
- 0.5%
- What a point is worth
- Often 1 point=¥1 for Marui discount/prepaid/bill uses
Best for
No-fee card with broad perks
Watch out for
Base return modest; no family card
How you earn
- Earning rule
- Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ
- Extra earning on this card
- Marui discounts and partner offers
- Programme bonuses
- Gold selected shops and annual bonuses; Platinum annual bonus; collaboration-card benefits
- Spend that earns
- Eligible shopping
- Spend that earns less, or nothing
- Cash advances, fees, designated credit contracts, gift-certificate purchases and listed merchants
- Caps, registration and thresholds
- Selected shops/annual bonuses and card-specific thresholds
- Expiry
- General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry
Using your points
- What points can be used for
- Marui discount; Epos Visa Prepaid; card bill reduction; gift cards/e-gifts; ANA/JAL/partner points; merchandise; donations; tsumiki investment
- Statement credit or cash
- Reduce eligible card payment with points
- Shopping and merchants
- Marui, prepaid Visa, gift cards and e-gifts
- Airlines and travel
- ANA/JAL transfer; travel insurance is a separate card benefit
- Hotels
- Indirect via prepaid/gifts/partners
- Transit and e-money
- Prepaid Visa and selected partner routes
- Partner points and gifts
- Airline and multiple loyalty programs
- Investing and charity
- tsumiki securities/investment and donations
- Highest-value route
- 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption
Programme rules published by eposcard.co.jp · eposcard.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
- Free
- Insurance
- Overseas travel insurance subject to use
- Family cards and ETC
- ETC available; no standard family card
- Networks
- Visa
- 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 |
Card facts
- Network
- Visa.
- Annual fee
- No annual fee for the standard card.
- Fee waiver
- Not applicable to the standard card because its annual fee is free.
- Rewards
- Earns Epos Points.
- Base earning
- Generally 1 point per ¥200 of eligible use; exclusions and different rates apply.
- Bonus conditions
- Partner and campaign bonuses are conditional and separate from the base rate.
- Point expiry
- Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules.
- Redemption
- Issuer-listed options include vouchers, points transfers, merchandise, and eligible payment credits; minimums vary.
- Foreign transaction fee
- A designated overseas transaction handling charge applies; verify the current rate.
- Insurance
- Overseas travel accident insurance is subject to use conditions, limits, and exclusions in the current 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
- Supported smartphone payments depend on device and issuer conditions.
- Family cards
- The standard Epos Card does not advertise a conventional family-card add-on; do not infer availability from other tiers.
- ETC card
- An ETC card can be requested under issuer conditions.
- Stated eligibility
- The issuer states age/residency eligibility on the application page; issuance is subject to screening and is not described as easy.
- Application
- Online application and, where currently offered, store receipt are issuer channels; timing is not guaranteed.
- Payment settings
- Confirm one-time, installment, and revolving choices and their charges.
- Revolving payment
- Revolving payment incurs the issuer-stated fee/rate; confirm any later conversion or automatic setting.
- Cash advance
- See the issuer disclosure; availability and limits depend on the contract and screening.
- Limitations
- Benefits and campaigns change. No claim is made about approval ease, approval speed, or suitability for non-Japanese residents.
Epos 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 |  Epos Card |  Rakuten Card |  Sumitomo Mitsui Card (NL) |  JCB Card S |  d Card |  PayPay Card |  au PAY Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the standard card. | No annual fee for the standard primary card. | No annual fee for the standard card. | No annual fee for the primary card. | No annual fee for the standard d Card. | No annual fee for the standard card. | No annual fee for the standard card. |
| Points | Earns Epos Points. | Earns Rakuten Points. | Earns V Points. | Earns J-POINT under the current JCB program. | Earns d POINT. | Earns PayPay Points. | Earns Ponta Points. |
| Base earning | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | Generally 1 point per ¥100 of eligible card 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. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. | 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 | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | 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. | Expiry is governed by the current V Point terms and activity rules. | Point validity follows the current J-POINT terms for this card. | Validity follows current d POINT Club rules and point type. | 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. |