PayPay Card Gold PayPayカード ゴールド
PayPay ecosystem gold card · PayPay Card · Credit cards
An ¥11,000 gold card that, from June 2, 2026, awards 11,000 annual PayPay Points after ¥1,000,000 of qualifying spend — offsetting the fee at that threshold — plus LYP Premium, lounges and free ETC.
Highlights
- 11,000 annual points after ¥1M offsets the fee
- LYP Premium and airport lounges
- Free ETC card
Things to consider
- Missing the ¥1M threshold sharply reduces value
- Spending exclusions and the membership year matter
Fees: ¥11,000 annual fee, effectively offset by 11,000 points at exactly ¥1,000,000 of qualifying annual spend.
Points and rewards
This card earns PayPay Points at a published base rate of 1.5% on eligible use, before exclusions and rounding.
- Points programme
- PayPay Points
- Base earning rate
- 1.5%
- What a point is worth
- 1 point=¥1 in eligible PayPay uses
Best for
Potentially strong for SoftBank ecosystem
Watch out for
Telecom bonuses have exclusions and registration requirements
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
- Eligible SoftBank/Ymobile and PayPay benefits
- 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
- ¥11,000
- Insurance
- Travel insurance
- Lounges and travel services
- Domestic/selected overseas lounge benefits
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB
- Stated eligibility
- 18+ 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 |
|---|---|---|
| Visa | ¥11,000 | Selectable network stated or represented at family level |
| Mastercard | ¥11,000 | Selectable network stated or represented at family level |
| JCB | ¥11,000 | Selectable network stated or represented at family level |
Card facts
- Network
- Visa for the first card; Mastercard or JCB may be available as additional cards.
- Annual fee
- ¥11,000 including tax for the primary card.
- Fee waiver
- No fee waiver, but 11,000 annual points after ¥1,000,000 of qualifying spend effectively offset the fee.
- Rewards
- Earns PayPay Points.
- Base earning
- Around 1% base with conditional PayPay Step uplifts; a recurring 11,000-point benefit applies after ¥1,000,000 of eligible annual spend.
- Bonus conditions
- PayPay Step and the annual-spend benefit require counting rules, registration and the membership-year measurement period.
- 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 insurance applies under the guide with activation, limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Complimentary domestic airport lounges are 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
- 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.