MI Card Plus Gold エムアイカード プラス ゴールド
Gold travel card · MI Card · Credit cards
MI Card Plus Gold is a Gold travel card from MI Card, issued on Visa and American Express. The annual fee is ¥11,000 including tax. It earns MI 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.
Highlights
- Annual fee ¥11,000 including tax
- Earns MI Points at about 1% base rate
- Airport lounges
Things to consider
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥11,000 a year.
- Stated eligibility: 20+; issuance remains subject to screening.
Fees: The annual fee is ¥11,000 including tax.
Points and rewards
This card earns MI Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- MI Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 at eligible Mitsukoshi Isetan Group uses
Best for
Premium Mitsukoshi Isetan card
Watch out for
Fee vs department-store spend
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
- Department-store and travel benefits
- 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
- ¥11,000
- Insurance
- Travel insurance
- Lounges and travel services
- Airport lounges
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · American Express
- Stated eligibility
- 20+
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 |
|---|---|---|
| Visa | ¥11,000 | Selectable network stated or represented at family level |
| American Express | ¥11,000 | Selectable network stated or represented at family level |
Card facts
- Network
- Selectable networks: Visa and American Express. Benefits and the issuing company can differ by network.
- Annual fee
- The annual fee is ¥11,000 including tax.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns MI Points.
- Base earning
- It earns MI 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
- MI 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
- 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
- Airport lounges. 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
- Family/ETC available
- ETC card
- Family/ETC available
- Stated eligibility
- Stated eligibility: 20+. 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.