Mitsubishi UFJ Card 三菱UFJカード
No-fee bank-group card · Mitsubishi UFJ NICOS · Credit cards
A no-fee card earning about 0.5% base that can reach up to 20% at selected stores when MUFG bank-account, app and merchant conditions align; strongest for MUFG-group customers.
Highlights
- No annual fee
- Up to 20% at selected stores under multiple conditions
- MUFG bank and group integration
Things to consider
- Base rate is only ~0.5%
- The 20% figure requires several stacked conditions
Fees: No annual fee; best for MUFG account and selected-store users.
Points and rewards
This card earns Global Points at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- Global Points
- Base earning rate
- 0.5%
- What a point is worth
- Up to ¥5 per point; cash back is 1 point→¥4
Best for
Broad-network mainstream card
Watch out for
Maximum rate requires multiple conditions and has cap
How you earn
- Earning rule
- 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption
- Extra earning on this card
- Up to advertised 20% at eligible merchants with conditions
- Programme bonuses
- Eligible merchants up to advertised maximum; Global PLUS monthly-spend bonuses on eligible tiers
- Spend that earns
- Eligible shopping aggregated monthly
- Spend that earns less, or nothing
- Service fees, annual fees, cash advances/loans, interest and designated e-money charges
- Caps, registration and thresholds
- Maximum merchant rate needs multiple conditions and spending caps; card-level aggregation
- Expiry
- 2 years from award month; Platinum 3 years
Using your points
- What points can be used for
- Global Point Wallet at 1 point=¥5 (100-point units); cash back; Ponta/Rakuten/nanaco/WAON/d points; JAL miles; investment; donations; merchandise
- Statement credit or cash
- 1 point→¥4 cash back
- Shopping and merchants
- Global Point Wallet and partner-point conversions
- Airlines and travel
- JAL miles and travel-related catalog options
- Hotels
- Indirect via wallet/partner use
- Transit and e-money
- Wallet/partner e-money uses; direct rules vary
- Partner points and gifts
- Ponta 200→800, Rakuten 200→600 and other published routes
- Investing and charity
- STOCKPOINT for MUFG and charity
- Highest-value route
- Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen
Programme rules published by cr.mufg.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
- Overseas travel insurance subject to use
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- 18+; high-school students excluded
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 | Free | Selectable network stated or represented at family level |
| Mastercard | Free | Selectable network stated or represented at family level |
| JCB | Free | Selectable network stated or represented at family level |
| American Express | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Visa, Mastercard, JCB or American Express.
- Annual fee
- No annual fee.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns Global Points.
- Base earning
- Around 0.5% base on eligible spend; up to 20% at selected stores requires stacked bank-account, app and merchant conditions.
- Bonus conditions
- The “up to 20%” is not a base rate; it requires designated merchants, MUFG bank/app linkage and other conditions.
- 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
- Any insurance benefit is conditional and follows the current guide with limits and exclusions.
- 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 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.