Orico Card THE POINT オリコカード・ザ・ポイント
Straightforward 1% no-fee card · Orient Corporation · Credit cards
One of the cleanest no-fee reward cards: 1 Orico Point per ¥100, doubled to 2% for the first six months up to ¥500,000 of qualifying spend, with Orico Mall uplifts and broad conversion options.
Highlights
- 1% base, 2% for the first six months
- Orico Mall bonuses
- Convert to Amazon balance, miles and partners
Things to consider
- Points need active conversion management
- Points have program expiration rules
Fees: No annual fee; 1% base with a 2% introductory period (six months, up to ¥500,000).
Card facts
- Network
- Mastercard or JCB.
- Annual fee
- No annual fee.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns Orico Points.
- Base earning
- 1 point per ¥100 (1%), doubled to 2% for the first six months up to ¥500,000 of qualifying spend; exclusions apply.
- Bonus conditions
- Orico Mall uplifts and the intro rate have merchant, period and spend-cap 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
- No broad general travel-insurance benefit is asserted for this card in this record.
- 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.