Luxury Card Mastercard Gold ラグジュアリーカード ゴールド
Ultra-premium rewards and status · Luxury Card (Aplus) · Credit cards
A ¥220,000 gold-finished metal Mastercard with the lineup’s highest public base return (about 1.5%) and expanded premium services; the most expensive card in this research set.
Highlights
- Highest public base return (~1.5%)
- Gold-finished metal card
- Expanded premium services
Things to consider
- Even high spend cannot offset the fee via rewards alone
- Status, concierge and travel value must justify it
Fees: ¥220,000 annual fee; the most expensive card in this set.
Card facts
- Network
- Mastercard (World Elite).
- Annual fee
- ¥220,000 including tax for the primary card.
- Fee waiver
- No standing annual fee waiver.
- Rewards
- Earns Luxury Card reward points.
- Base earning
- About 1.5% base — the lineup’s highest public rate; even several million yen of spend does not offset the fee through rewards alone.
- 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
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated overseas processing charge; verify the current rate.
- Insurance
- Comprehensive travel insurance applies under the policy guide with limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Priority Pass and premium lounge access are offered under current 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
- Family cards are available under the issuer fee and eligibility conditions.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Applicants must satisfy the issuer-stated age, income/status and other 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
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.