Mitsubishi UFJ Card VIASO 三菱UFJカード VIASOカード
No-fee card with automatic cashback · Mitsubishi UFJ NICOS · Credit cards
A no-annual-fee Mitsubishi UFJ Mastercard whose Global Points are automatically converted to a statement cashback once a year, so points never need manual redemption or expire unused.
Highlights
- No annual fee
- Automatic once-a-year cashback of accumulated points
- Higher earn at some registered mobile/ISP partners
Things to consider
- Auto-cashback requires reaching the stated minimum points
- Base rate is modest outside partner uplifts
Fees: No annual fee; accumulated points auto-convert to a cashback once a year.
Points and rewards
This card earns VIASO Points / auto-cashback at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- VIASO Points / auto-cashback
- Base earning rate
- 0.5%
- What a point is worth
- 1 point=¥1 automatic cash back
Best for
Automatic annual cashback
Watch out for
Points below redemption threshold can lapse
How you earn
- Earning rule
- 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply
- Extra earning on this card
- Certain telecom/online mall bonuses
- Programme bonuses
- POINT名人.com and selected telecom/Internet/ETC payments
- Spend that earns
- Eligible shopping aggregated monthly
- Spend that earns less, or nothing
- Monthly total below ¥1,000, fees, cash advances and designated transactions
- Caps, registration and thresholds
- Must reach 1,000 points in the annual accumulation period
- Expiry
- One-year accumulation cycle; below-threshold balance is forfeited at cycle end
Using your points
- What points can be used for
- Automatic bill offset; excess over bill can be paid to registered bank account
- Statement credit or cash
- Automatic 1 point=¥1; only when annual balance reaches 1,000 points
- Shopping and merchants
- No separate catalog; earning bonuses come from named merchants
- Airlines and travel
- No mileage transfer in the core program
- Hotels
- No hotel transfer
- Transit and e-money
- No direct e-money transfer
- Partner points and gifts
- No core partner transfer
- Investing and charity
- No point investment; cash-back only
- Highest-value route
- Automatic cash back, but only for users likely to earn at least 1,000 points/year
Programme rules published by cr.mufg.jp · 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
- Travel insurance subject to use
- Family cards and ETC
- Family/ETC available
- Networks
- Mastercard
- Stated eligibility
- 18+
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 |
|---|---|---|
| Mastercard | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Mastercard.
- Annual fee
- No annual fee.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns Global Points, auto-converted to a statement cashback.
- Base earning
- Global Points accrue on eligible use and auto-convert to a once-a-year cashback above a minimum threshold; registered mobile/ISP partners can raise the rate. Exclusions apply.
- Bonus conditions
- Partner uplifts require registering the stated mobile carrier or internet provider; the auto-cashback needs the minimum-point threshold.
- 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
- Overseas travel insurance is conditional; activation, limits and exclusions follow the 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 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.