Epos Gold Card エポスゴールドカード
Optimizable fee-waivable gold · Marui (Epos) · Credit cards
A ¥5,000 gold Visa that becomes permanently free by invitation, family-gold referral or ¥500,000 of qualifying annual spend — one of Japan’s most optimizable cards through selected-shop bonuses and annual awards.
Highlights
- Permanent waiver at just ¥500,000 annual spend
- Selected-shop bonuses (choose 3 categories)
- Annual-spend point awards and domestic lounges
Things to consider
- Optimizing requires directing spend to selected categories
- Some transactions are excluded from qualifying spend
Fees: ¥5,000 annual fee, permanently waived by invitation or after ¥500,000 of qualifying annual spend.
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
Can be very good after free invitation
Watch out for
Chosen-shop rules and recent program changes
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
- Chosen-shop bonuses and annual bonus subject to current program
- 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
- ¥5,000
- Insurance
- Travel insurance
- Lounges and travel services
- Domestic lounge benefits
- Family cards and ETC
- Family Gold program; ETC
- Networks
- Visa
- Stated eligibility
- 20+ / invitation routes
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 | ¥5,000 | Selectable network stated or represented at family level |
Card facts
- Network
- Visa.
- Annual fee
- ¥5,000 for direct applicants; permanently free by invitation, family-gold referral or ¥500,000 qualifying annual spend.
- Fee waiver
- Permanently waived once qualifying annual spend reaches ¥500,000, or via invitation/family-gold referral.
- Rewards
- Earns Epos Points.
- Base earning
- Around 0.5% base plus selected-shop uplifts and annual-spend bonus points; exclusions apply.
- Bonus conditions
- Selected-shop 3x, annual-spend bonuses and campaigns require registration or reaching a spend threshold.
- 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 designated overseas handling charge (around 3.85% on Epos cards); verify the current rate.
- Insurance
- Travel insurance is subject to activation, limits and exclusions in the current guide.
- 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
- Not confirmed in reviewed official material (not the same as “no”)
- 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.