Luxury Card Black Diamond Mastercard Black Diamond
Black / invitation premium card · Luxury Card (Aplus) · Credit cards
Luxury Card Black Diamond is a Black / invitation premium card from Luxury Card, issued on Mastercard. The annual fee is ¥660,000 including tax. Verify the current amount on the issuer page before applying. It earns Luxury Card Rewards; the issuer sets out the earning rule, exclusions and rounding on its own pages. Checked against the issuer's official lineup and product page on 2026-08-13.
- Annual fee ¥660,000 including tax
- Earns Luxury Card Rewards
- Premium lounges/concierge
- Availability: invitation only.
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥660,000 a year.
Fees: The annual fee is ¥660,000 including tax. Verify the current amount on the issuer page before applying.
Points and rewards
This card earns Luxury Card Rewards. The issuer sets the earning rule, the exclusions and the rounding.
- Points programme
- Luxury Card Rewards
- What a point is worth
- 1 point=¥1 for cash back and many e-gifts
Ultra-premium positioning
Invitation and extreme cost
How you earn
- Earning rule
- Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend
- Extra earning on this card
- Top invitation-only package
- Programme bonuses
- Tier earn; selected high-value items; dining/travel promotions
- Spend that earns
- Eligible shopping, including many utilities/Suica categories at standard rate subject to rules
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions
- Caps, registration and thresholds
- Mileage partners and special redemptions may have minimums/conditions
- Expiry
- 5 years from earning
Using your points
- What points can be used for
- Bill cash back; JAL/ANA/United miles; Amazon/Apple/d POINT e-gifts; SAKENOVA; crypto; PeX; donations
- Statement credit or cash
- 1 point=¥1 toward card bill
- Shopping and merchants
- E-gifts/coupons and special merchandise
- Airlines and travel
- JAL/ANA/United transfers; concierge/travel benefits are separate
- Hotels
- Travel awards/benefits separate from points
- Transit and e-money
- Cash-back/e-gift routes; ordinary earning may include Mobile Suica subject to rules
- Partner points and gifts
- Airline miles, d POINT, PeX and e-gifts
- Investing and charity
- Crypto redemption and donations
- Highest-value route
- 1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher
Programme rules published by luxurycard.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
- ¥660,000
- Insurance
- Premium travel insurance
- Lounges and travel services
- Premium lounges/concierge
- Family cards and ETC
- See official page
- Networks
- Mastercard
- Stated eligibility
- Invitation
- Application status
- Invitation only
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 |
|---|---|---|
| Mastercard | ¥660,000 | Selectable network stated or represented at family level |
Card facts
- Network
- Mastercard.
- Annual fee
- The annual fee is ¥660,000 including tax. Verify the current amount on the issuer page before applying.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns Luxury Card Rewards.
- Base earning
- It earns Luxury Card Rewards; the issuer sets out the earning rule, exclusions and rounding on its own pages.
- 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
- Luxury Card Rewards 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
- Premium 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
- Premium lounges/concierge. 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
- See official page
- ETC card
- See official page
- Stated eligibility
- Stated eligibility: Invitation. 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.