Olive Flexible Pay Gold Olive フレキシブルペイ ゴールド
All-in-one bank + card gold · Sumitomo Mitsui Card · Credit cards
An SMBC platform that combines credit, debit and point-payment modes with a bank account on a single Visa; the gold tier mirrors Gold (NL) economics — ¥5,500 waived permanently after ¥1M annual spend.
Highlights
- Credit, debit and point-payment in one Visa
- Permanent fee waiver and 10,000-point bonus at ¥1M
- Integrated with an SMBC bank account
Things to consider
- Best for customers making SMBC their main bank
- Credit mode has stricter age and review rules
Fees: ¥5,500 gold fee, permanently waived after ¥1,000,000 of qualifying annual spend in credit mode.
Card facts
- Network
- Visa.
- Annual fee
- ¥5,500 including tax for the gold tier.
- Fee waiver
- Permanently waived once qualifying annual credit-mode spend reaches ¥1,000,000.
- Rewards
- Earns V Points.
- Base earning
- Base V Points accrue on eligible credit-mode use, with a 10,000-point bonus each year qualifying spend reaches ¥1,000,000.
- Bonus conditions
- Selection-based and app-linked bonuses require registration and named payment methods; they are not the base rate.
- 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 designated overseas processing charge (around 3.63% on mainstream Visa/Mastercard products); verify the current rate.
- Insurance
- Gold-tier travel insurance and shopping protection apply under the current guide with limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Domestic airport lounges are offered on the gold tier.
- 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
- Not confirmed in reviewed official material (not the same as “no”)
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Credit mode requires the issuer-stated age and screening, which are stricter than merely opening the bank account.
- 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.