EX Gold for Biz S
Gold business card · Orient Corporation · Credit cards
EX Gold for Biz S is a Gold business card from Orico, issued on Visa and Mastercard. The annual fee is ¥2,200 including tax. It earns 暮らスマイル / Orico points at a published base rate of about 0.6% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
Highlights
- Annual fee ¥2,200 including tax
- Earns 暮らスマイル / Orico points at about 0.6% base rate
- Airport lounge benefits
Things to consider
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥2,200 a year.
- Stated eligibility: Sole proprietors; issuance remains subject to screening.
Fees: The annual fee is ¥2,200 including tax.
Points and rewards
This card earns 暮らスマイル / Orico points at a published base rate of 0.6% on eligible use, before exclusions and rounding.
- Points programme
- 暮らスマイル / Orico points
- Base earning rate
- 0.6%
- What a point is worth
- Typically 1 point≈¥1 on many e-gift/partner routes
Best for
Low-cost business card
Watch out for
Business use; reward system differs
How you earn
- Earning rule
- Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ
- Extra earning on this card
- Business offers
- Programme bonuses
- Orico Mall and card-specific first-month/tier bonuses
- Spend that earns
- Eligible shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated charges; legacy programs use different units
- Caps, registration and thresholds
- Mall and campaign caps; minimum exchange units vary
- Expiry
- Orico Points generally expire 12 months after acquisition; legacy Smile rules differ
Using your points
- What points can be used for
- Amazon/Apple and other e-gifts; partner points; airline miles; products via conversion; donations where offered
- Statement credit or cash
- No general cash withdrawal; routes depend on catalog
- Shopping and merchants
- Digital gift codes and partner points are core uses
- Airlines and travel
- ANA/JAL and travel partners may be available at current ratios
- Hotels
- Indirect via gift/partner routes
- Transit and e-money
- Selected e-money/partner routes
- Partner points and gifts
- Broad e-gift and loyalty transfer catalog
- Investing and charity
- Limited; check current exchange catalog
- Highest-value route
- A 1-yen-equivalent e-gift/partner route before the short expiry
Programme rules published by orico.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
- ¥2,200
- Insurance
- Travel insurance
- Lounges and travel services
- Airport lounge benefits
- Family cards and ETC
- ETC available
- Networks
- Visa · Mastercard
- Stated eligibility
- Sole proprietors
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 | ¥2,200 | Selectable network stated or represented at family level |
| Mastercard | ¥2,200 | 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 ¥2,200 including tax.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns 暮らスマイル / Orico points.
- Base earning
- It earns 暮らスマイル / Orico points at a published base rate of about 0.6% 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
- 暮らスマイル / Orico 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
- Travel insurance. 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
- Airport 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
- ETC available
- ETC card
- ETC available
- Stated eligibility
- Stated eligibility: Sole proprietors. 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.