Hirogin Rakuten Card ひろぎん楽天カード
bank-linked card · Rakuten Card · Credit cards
Hirogin Rakuten Card is a bank-linked card from Rakuten Card, issued on Visa. The annual fee is free. It earns Rakuten Points 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.
Highlights
- No annual fee
- Earns Rakuten Points at about 1% base rate
- Travel insurance
Things to consider
- Stated eligibility: 18+; regional bank conditions; issuance remains subject to screening.
- Rates, benefits, insurance and campaigns change; confirm the dated issuer page before applying.
Fees: The annual fee is free.
Points and rewards
This card earns Rakuten Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Rakuten Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 in eligible Rakuten uses
Best for
Regional bank integration
Watch out for
Regional/account relevance
How you earn
- Earning rule
- Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates
- Extra earning on this card
- Hiroshima Bank relationship benefits
- Programme bonuses
- Rakuten Market SPU, Rakuten Pay, campaigns and card-tier benefits
- Spend that earns
- Eligible card and Rakuten ecosystem transactions
- Spend that earns less, or nothing
- Fees/cash advances and designated low/no-earn categories; tax/utility rules differ
- Caps, registration and thresholds
- SPU and campaigns have monthly caps and entry/service requirements
- Expiry
- Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates
Using your points
- What points can be used for
- Rakuten services/market; Rakuten Pay; card bill payment; Edy/partner routes; ANA miles; point investment/funds/crypto; donations
- Statement credit or cash
- Use ordinary points toward Rakuten Card bill in eligible units
- Shopping and merchants
- Rakuten Market/services and Rakuten Pay
- Airlines and travel
- Rakuten Travel and ANA-mile exchange
- Hotels
- Rakuten Travel and partner hotels
- Transit and e-money
- Rakuten Pay/Edy routes subject to rules
- Partner points and gifts
- ANA miles and partner/e-money routes
- Investing and charity
- Point investment, funds and crypto-related services
- Highest-value route
- Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry
Programme rules published by point.rakuten.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
- Travel insurance
- Family cards and ETC
- See official page
- Networks
- Visa
- Stated eligibility
- 18+; regional bank conditions
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
- The annual fee is free.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns Rakuten Points.
- Base earning
- It earns Rakuten Points 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
- Rakuten 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
- 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
- See official page
- ETC card
- See official page
- Stated eligibility
- Stated eligibility: 18+; regional bank 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
- 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.