MoneyInJapan

Mitsubishi UFJ Card Platinum American Express 三菱UFJカード プラチナ・アメックス

Low-fee full-service platinum · Mitsubishi UFJ NICOS · Credit cards

English support: No

At ¥22,000 with one free family card, among Japan’s lowest-cost cards offering a conventional platinum mix of Priority Pass, concierge, dining benefit and insurance.

Highlights
  • Priority Pass and 24-hour concierge
  • Dining benefit and comprehensive insurance
  • One free family card
Things to consider
  • Low ordinary reward rate
  • American Express acceptance is narrower

Fees: ¥22,000 annual fee including one free family card; a service-value platinum, not a points card.

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

Relatively accessible premium travel package

Watch out for

Guest and lounge restaurant counts/fees

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
Premium rewards/benefits
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
¥22,000
Insurance
Travel insurance
Lounges and travel services
Priority Pass; concierge
Family cards and ETC
Family/ETC available
Networks
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.

NetworkAnnual feeNote
American Express¥22,000Selectable network stated or represented at family level

Card facts

Network
American Express.
Annual fee
¥22,000 including tax; one supplementary family card is included.
Fee waiver
No standing annual fee waiver.
Rewards
Earns Global Points.
Base earning
Around 0.5% base on eligible spend; value is weighted to services, not the base rate.
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
Comprehensive travel insurance and shopping protection apply under the guide with limits and exclusions.
Purchase protection
Not confirmed in reviewed official material (not the same as “no”)
Airport lounge
Priority Pass is 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
One supplementary family card is included at no extra annual fee.
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.

Sources