MI Card Basic エムアイカード ベーシック
retail card · MI Card · Credit cards
MI Card Basic is a retail card from MI Card, issued on Visa. The annual fee is free. It earns MI 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 2026-08-16.
- No annual fee
- Earns MI Points at about 0.5% base rate
- No core travel insurance highlighted
- 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 MI Points at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- MI Points
- Base earning rate
- 0.5%
- What a point is worth
- 1 point=¥1 at eligible Mitsukoshi Isetan Group uses
No-fee entry card for the Mitsukoshi Isetan ecosystem
Department-store bonus rates exclude named products/brands and vary by purchase conditions
How you earn
- Earning rule
- Card-specific; MI Card Plus Basic generally 0.5% and Plus/Gold have department-store and tier-specific rates
- Extra earning on this card
- Base 0.5%; Mitsukoshi Isetan Group benefits and point rates depend on eligible store/product
- Programme bonuses
- Mitsukoshi Isetan Group purchase rates, annual purchase amount and partner-store bonuses
- Spend that earns
- Eligible card shopping and group-store purchases
- Spend that earns less, or nothing
- Fees, cash advances, designated brands/products and some sales/shops
- Caps, registration and thresholds
- Department-store rate depends on card, prior-year/current spend and eligible product
- Expiry
- Expires after the program-defined period shown in the account; limited points can differ
Using your points
- What points can be used for
- Mitsukoshi Isetan Group checkout; online store; JAL/ANA miles and selected partner points/gifts
- Statement credit or cash
- No broad cash withdrawal; use at group stores or published partners
- Shopping and merchants
- Core use at Mitsukoshi/Isetan and eligible group stores
- Airlines and travel
- JAL/ANA transfer routes may be available at current ratios
- Hotels
- Indirect through partners
- Transit and e-money
- Selected partner routes only
- Partner points and gifts
- Airline miles and current partner catalog
- Investing and charity
- Limited
- Highest-value route
- 1-point=¥1 group-store use; compare mile ratios only for a planned award
Programme rules published by micard.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
- No core travel insurance highlighted
- Family cards and ETC
- Family cards free
- See official page for family/ETC availability
- Networks
- Visa
- Stated eligibility
- See official page
Issuance and the credit limit remain subject to the issuer’s screening.Standing benefits structured from official product/lineup research; short-term signup campaigns are not treated as permanent benefits
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 |
Card facts
- Network
- Visa.
- Annual fee
- The annual fee is free.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns MI Points.
- Base earning
- It earns MI 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
- 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 percentage before travelling.
- Insurance
- No core travel insurance highlighted. 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
- Family cards free
- ETC card
- Family cards free
- 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.