Mercard Gold メルカード ゴールド
Gold retail card · Mercari / Merpay · Credit cards
Mercard Gold is a Gold retail card from Mercari / Merpay, issued on JCB. The annual fee is ¥5,000 including tax. A stated waiver condition can remove it — check the exact threshold. It earns Mercari Points at a published base rate of about 1% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
- Annual fee ¥5,000 including tax
- Earns Mercari Points at about 1% base rate
- No family card; verify ETC
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥5,000 a year.
- Stated eligibility: 18+; Mercari account / screening; issuance remains subject to screening.
Fees: The annual fee is ¥5,000 including tax. A stated waiver condition can remove it — check the exact threshold.
Points and rewards
This card earns Mercari Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Mercari Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 in eligible Mercari/Merpay use
Mercari-heavy spend proposition
Newer product; rules and caps need frequent refresh
How you earn
- Earning rule
- Mercard: base rate outside Mercari and personalized rate on Mercari; Gold adds annual-spend benefits
- Extra earning on this card
- Annual-spend and Mercari benefits
- Programme bonuses
- Personalized Mercari rate, 8th-day campaigns and Gold annual-spend benefits
- Spend that earns
- Eligible Mercard/Merpay and Mercari transactions
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions
- Caps, registration and thresholds
- Personalized rate, campaign and annual bonus caps apply
- Expiry
- Depends on grant type; campaign/limited points can have short fixed expiry
Using your points
- What points can be used for
- Mercari purchases and Merpay-supported payments
- Statement credit or cash
- Use within Mercari/Merpay; no cash withdrawal
- Shopping and merchants
- Mercari and Merpay merchants
- Airlines and travel
- Only where Merpay is accepted
- Hotels
- Only via accepted payment
- Transit and e-money
- Merpay/iD-supported purchases; restrictions apply
- Partner points and gifts
- Limited outward transfer
- Investing and charity
- No general point investment
- Highest-value route
- Use limited points first on Mercari/Merpay at ¥1
Programme rules published by mercard.me · 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
- ¥5,000
- Insurance
- See official page
- Lounges and travel services
- See official page
- Family cards and ETC
- No family card; verify ETC
- Networks
- JCB
- Stated eligibility
- 18+; Mercari account / screening
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 |
|---|---|---|
| JCB | ¥5,000 | Selectable network stated or represented at family level |
Card facts
- Network
- JCB.
- Annual fee
- The annual fee is ¥5,000 including tax. A stated waiver condition can remove it — check the exact threshold.
- Fee waiver
- A waiver is stated for the conditions on the issuer page; confirm the exact threshold.
- Rewards
- Earns Mercari Points.
- Base earning
- It earns Mercari Points at a published base rate of about 1% 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
- Mercari 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
- See official page. 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
- No family card; verify ETC
- ETC card
- No family card; verify ETC
- Stated eligibility
- Stated eligibility: 18+; Mercari account / screening. 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.