Mitsubishi UFJ Card Gold Prestige 三菱UFJカード ゴールドプレステージ
MUFG-ecosystem gold card · Mitsubishi UFJ NICOS · Credit cards
An ¥11,000 gold card (first year free for eligible web applications) with domestic airport lounges, insurance, securities-investment rewards and MUFG selected-store bonuses.
Highlights
- Domestic airport lounges and insurance
- First year free for eligible web applications
- MUFG securities and selected-store rewards
Things to consider
- Value depends on using MUFG Bank and group services
- Otherwise a fee-waivable SMBC/Epos gold may be cheaper
Fees: ¥11,000 annual fee; first year free for eligible web applications.
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
Mainstream bank gold
Watch out for
Fee waiver/bonus rules
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
- Annual spend bonus and selected-store bonuses
- 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
- ¥11,000
- Insurance
- Travel insurance
- Lounges and travel services
- Domestic lounges
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB · American Express
- 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 |
|---|---|---|
| Visa | ¥11,000 | Selectable network stated or represented at family level |
| Mastercard | ¥11,000 | Selectable network stated or represented at family level |
| JCB | ¥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
- Visa, Mastercard or JCB.
- Annual fee
- ¥11,000 including tax; first year free for eligible web applications.
- Fee waiver
- No standing annual waiver beyond the first-year offer for eligible applications.
- Rewards
- Earns Global Points.
- Base earning
- Around 0.5% base on eligible spend before selected-store and group uplifts; exclusions 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
- Travel insurance and shopping protection apply under the guide with activation, limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Complimentary domestic airport lounges 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.