Life Card ライフカード
everyday card · Life Card · Credit cards
Life Card is a everyday card from Life Card, issued on Visa, Mastercard and JCB. The annual fee is free. 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
- No annual fee
- Earns LIFE Points at about 0.5% base rate
- Travel cover not on basic card
Things to consider
- Stated eligibility: Japan resident 18+ reachable by phone; 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 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
Birthday-month value
Watch out for
Base rate modest; program valuation
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
- Birthday month 3x points; points valid up to 5 years
- 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
- Free
- Insurance
- Travel cover not on basic card
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB
- Stated eligibility
- Japan resident 18+ reachable by phone
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 |
| Mastercard | Free | Selectable network stated or represented at family level |
| JCB | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Selectable networks: Visa, Mastercard and JCB. Benefits and the issuing company can differ by network.
- Annual fee
- The annual fee is free.
- Fee waiver
- Not applicable because the card has no annual fee.
- 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
- Travel cover not on basic card. 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
- Family/ETC available
- ETC card
- Family/ETC available
- Stated eligibility
- Stated eligibility: Japan resident 18+ reachable by phone. 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.