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.
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.