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.
Points and rewards
This card earns Luxury Card Rewards at a published base rate of 1.5% on eligible use, before exclusions and rounding.
- Points programme
- Luxury Card Rewards
- Base earning rate
- 1.5%
- What a point is worth
- 1 point=¥1 for cash back and many e-gifts
Best for
High-end metal card
Watch out for
Very high fee
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 public Luxury Card benefits
- 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
- ¥220,000
- Insurance
- Travel insurance
- Lounges and travel services
- Airport lounges
- Family cards and ETC
- Family card fee applies
- Networks
- Mastercard
- Stated eligibility
- 20+ with stable income
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 | ¥220,000 | Selectable network stated or represented at family level |
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.