Orico Card THE POINT PREMIUM GOLD オリコカード・ザ・ポイント プレミアムゴールド
Low-fee electronic-money gold · Orient Corporation · Credit cards
For ¥1,986 it keeps the 1% base and six-month 2% offer while adding 1% at Orico Mall and 0.5% on eligible iD/QUICPay use; among the least expensive cards branded “Gold.”
Highlights
- 1% base plus six-month 2% offer
- 1% Orico Mall, 0.5% on iD/QUICPay
- Very low ¥1,986 gold fee
Things to consider
- Does not match ¥11k–¥30k premium lounge/insurance
- Points still need conversion management
Fees: ¥1,986 annual fee; one of the least expensive Gold cards.
Points and rewards
This card earns Orico Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Orico Points
- Base earning rate
- 1%
- What a point is worth
- Typically 1 point≈¥1 on many e-gift/partner routes
Best for
Low-fee gold with point bonuses
Watch out for
Bonus categories/caps and e-money rules
How you earn
- Earning rule
- Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ
- Extra earning on this card
- Bonus rates for Orico Mall, iD and QUICPay subject to current rules
- Programme bonuses
- Orico Mall and card-specific first-month/tier bonuses
- Spend that earns
- Eligible shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated charges; legacy programs use different units
- Caps, registration and thresholds
- Mall and campaign caps; minimum exchange units vary
- Expiry
- Orico Points generally expire 12 months after acquisition; legacy Smile rules differ
Using your points
- What points can be used for
- Amazon/Apple and other e-gifts; partner points; airline miles; products via conversion; donations where offered
- Statement credit or cash
- No general cash withdrawal; routes depend on catalog
- Shopping and merchants
- Digital gift codes and partner points are core uses
- Airlines and travel
- ANA/JAL and travel partners may be available at current ratios
- Hotels
- Indirect via gift/partner routes
- Transit and e-money
- Selected e-money/partner routes
- Partner points and gifts
- Broad e-gift and loyalty transfer catalog
- Investing and charity
- Limited; check current exchange catalog
- Highest-value route
- A 1-yen-equivalent e-gift/partner route before the short expiry
Programme rules published by orico.co.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
- ¥1,986
- Insurance
- Travel insurance
- Family cards and ETC
- Family/ETC available
- Networks
- Mastercard · JCB
- 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 |
|---|---|---|
| Mastercard | ¥1,986 | Selectable network stated or represented at family level |
| JCB | ¥1,986 | Selectable network stated or represented at family level |
Card facts
- Network
- Mastercard or JCB.
- Annual fee
- ¥1,986 including tax for the primary card.
- Fee waiver
- No standing annual fee waiver.
- Rewards
- Earns Orico Points.
- Base earning
- 1% base with a six-month 2% period, plus 1% at Orico Mall and 0.5% on eligible iD/QUICPay use; exclusions apply.
- Bonus conditions
- Electronic-money and mall uplifts have payment-method, merchant and period 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
- Travel and shopping protection are conditional and follow the current guide with limits and exclusions.
- 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.