PayPay Card PayPayカード
No-annual-fee credit card · PayPay Card · Credit cards
No-annual-fee standard card earning PayPay Points on eligible purchases under current program rules.
Highlights
- No annual fee for the standard card
- Points on eligible spending
- Official online application subject to screening
Things to consider
- Bonus rates require specific conditions
- Confirm revolving-payment and foreign-use fees
Fees: No annual fee for the standard card; other cards and payment services have separate fees.
Points and rewards
This card earns PayPay Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- PayPay Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 in eligible PayPay uses
Best for
Native PayPay/Yahoo ecosystem integration
Watch out for
PayPay Step conditions and exclusions
How you earn
- Earning rule
- PayPay Card: base points per ¥200; card/tier and PayPay Step can increase the rate
- Extra earning on this card
- PayPay Step can increase eligible return
- Programme bonuses
- PayPay Step and campaigns; Gold has ecosystem/telecom benefits subject to conditions
- Spend that earns
- Eligible PayPay Card and PayPay transactions
- Spend that earns less, or nothing
- Fees, cash advances, point-funded payments and designated transactions; PayPay-app routing can change eligibility
- Caps, registration and thresholds
- PayPay Step needs monthly amount/count targets; campaigns have caps
- Expiry
- Ordinary PayPay Points: no expiry; limited points have stated expiry
Using your points
- What points can be used for
- PayPay merchant payments; Yahoo/LINE Yahoo services; PayPay Card bill payment; point investment/asset services
- Statement credit or cash
- From 2026, eligible points can offset PayPay Card bills in 1-point units
- Shopping and merchants
- PayPay-enabled physical and online merchants; official stores
- Airlines and travel
- PayPay-supported travel merchants; no standard airline-mile route
- Hotels
- Via PayPay/Yahoo travel payment where eligible
- Transit and e-money
- PayPay merchant acceptance; not cash withdrawal or peer transfer
- Partner points and gifts
- Two-way V Point exchange exists with restrictions on exchanged V Points
- Investing and charity
- Point management, asset management and selected insurance/investment services
- Highest-value route
- Bill offset or ordinary PayPay spending at ¥1 per point; investment only if risk is acceptable
Programme rules published by paypay.ne.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
- See official page
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB
- Stated eligibility
- 18+; high-school students excluded
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 |
|---|---|---|
| Visa | Free | Selectable network stated or represented at family level |
| Mastercard | Free | Selectable network stated or represented at family level |
| JCB | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Visa, Mastercard, or JCB.
- Annual fee
- No annual fee for the standard card.
- Fee waiver
- Not applicable because the standard card has no annual fee.
- Rewards
- Earns PayPay Points.
- Base earning
- PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply.
- Bonus conditions
- PayPay Step and campaigns have separate counting, registration, period, and payment-method conditions.
- Point expiry
- PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions.
- Redemption
- Can be used in eligible PayPay payments and services under current terms; cash withdrawal is not implied.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated administrative charge; verify the current percentage.
- Insurance
- No general travel-insurance benefit is asserted for the standard 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
- PayPay linkage and contactless availability depend on account, card network, device, and merchant.
- Family cards
- Family cards are offered under issuer conditions.
- ETC card
- ETC cards are offered; check the current per-card fee.
- Stated eligibility
- The issuer states age and stable-income-related application conditions and requires screening.
- Application
- Apply through the issuer channel. Issuance and limits remain subject to screening; this record makes no approval-likelihood claim.
- 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 later-payment changes.
- Cash advance
- Cash advance is available only with an approved limit and disclosed borrowing terms.
- Limitations
- Terms, rates, benefits, and campaigns can change. Verify the dated issuer material; no approval ranking or foreign-resident eligibility claim is made.
PayPay Card vs other standard cards
A side-by-side view of fixed cost and point terms. Select any card name to open its full record.
| Criterion |  PayPay Card |  Rakuten Card |  Epos Card |  Sumitomo Mitsui Card (NL) |  JCB Card S |  d Card |  au PAY Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the standard card. | No annual fee for the standard primary card. | No annual fee for the standard card. | No annual fee for the standard card. | No annual fee for the primary card. | No annual fee for the standard d Card. | No annual fee for the standard card. |
| Points | Earns PayPay Points. | Earns Rakuten Points. | Earns Epos Points. | Earns V Points. | Earns J-POINT under the current JCB program. | Earns d POINT. | Earns Ponta Points. |
| Base earning | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. | Generally 1 point per ¥100 of eligible card use; exclusions and different rates apply. | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | Base points accrue on eligible purchases; exclusions and rounding rules apply. | Points accrue on eligible monthly card use under JCB rounding and exclusion rules. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. | Ponta Points accrue on eligible card use; exclusions and calculation rules apply. |
| Point expiry | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. | Regular points expire one year after the last point was earned; earning a regular point extends the date. Limited-time points follow their stated date. | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | Expiry is governed by the current V Point terms and activity rules. | Point validity follows the current J-POINT terms for this card. | Validity follows current d POINT Club rules and point type. | Point validity follows current Ponta program terms and activity treatment. |