Loft Card ロフトカード
retail card · Credit Saison · Credit cards
Loft Card is a retail card from Credit Saison, issued on Visa, Mastercard, JCB and American Express. The annual fee is free. It earns Permanent 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 Permanent Points at about 0.5% base rate
- ETC available
Things to consider
- Stated eligibility: See official page; 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 Permanent Points at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- Permanent Points
- Base earning rate
- 0.5%
- What a point is worth
- Up to about ¥5 per point; bill credit is commonly 200 points→¥900
Best for
Loft discounts
Watch out for
Best only if Loft spend is meaningful
How you earn
- Earning rule
- 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary
- Extra earning on this card
- Loft discount days
- Programme bonuses
- Saison Point Mall up to advertised multipliers; card-specific domestic/overseas multipliers; eligible cards may use SAISON MILE CLUB
- Spend that earns
- Eligible shopping aggregated monthly
- Spend that earns less, or nothing
- Cash advances, interest/fees and designated transactions; some payments earn at reduced/no rate
- Caps, registration and thresholds
- Mall, QUICPay and mileage programs can have enrollment fees, caps or card restrictions
- Expiry
- No expiry while account remains eligible
Using your points
- What points can be used for
- Bill credit; gift cards/e-gifts; merchandise; ANA/JAL miles; partner points; donations; point investment/management
- Statement credit or cash
- 200 points→¥900 on the standard points-to-bill route
- Shopping and merchants
- Gift cards/e-gifts and partner shopping rewards
- Airlines and travel
- ANA/JAL transfer; SAISON MILE CLUB on eligible cards
- Hotels
- Travel and hotel-related catalog/partner awards
- Transit and e-money
- Partner/e-money routes depend on current catalog
- Partner points and gifts
- Multiple partner points and gift cards
- Investing and charity
- Permanent Point investment/management and donations
- Highest-value route
- A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value
Programme rules published by saisoncard.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
- See official page
- Family cards and ETC
- ETC available
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- See official page
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 |
| American Express | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Selectable networks: Visa, Mastercard, JCB and American Express. 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 Permanent Points.
- Base earning
- It earns Permanent 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
- Permanent 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
- See official page. 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
- ETC available
- ETC card
- ETC available
- Stated eligibility
- Stated eligibility: See official page. 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.