Recruit Card リクルートカード
points card · Recruit · Credit cards
Recruit Card is a points card from Recruit, issued on Visa, Mastercard and JCB. The annual fee is free. It earns Recruit Points / Ponta / d POINT at a published base rate of about 1.2% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
Highlights
- No annual fee
- Earns Recruit Points / Ponta / d POINT at about 1.2% base rate
- Travel insurance subject to use
Things to consider
- Stated eligibility: 18+; issuance remains subject to screening.
- Rates, benefits, insurance and campaigns change; confirm the dated issuer page before applying.
Fees: The annual fee is free.
Points and rewards
This card earns Recruit Points / Ponta / d POINT at a published base rate of 1.2% on eligible use, before exclusions and rounding.
- Points programme
- Recruit Points / Ponta / d POINT
- Base earning rate
- 1.2%
- What a point is worth
- 1 point=¥1 for eligible uses
Best for
High simple base return
Watch out for
Electronic-money charge caps/exclusions and two issuers
How you earn
- Earning rule
- Card-specific; standard d Card purchases generally earn 1 point per ¥100
- Extra earning on this card
- 1.2% on eligible general spend
- Programme bonuses
- d Card merchant offers; Docomo telecom/service benefits on Gold/Platinum tiers; campaign/limited points
- Spend that earns
- Eligible card shopping and ecosystem transactions
- Spend that earns less, or nothing
- Electronic-money charges, fees, cash advances and designated transactions; some Docomo charges may not earn base card points
- Caps, registration and thresholds
- Telecom bonus rates, investment and campaigns have service-specific caps/registration
- Expiry
- Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry
Using your points
- What points can be used for
- d POINT stores; online services; Docomo charges; d払い; JAL miles; products; donations; point investment
- Statement credit or cash
- Use toward eligible Docomo service charges; not general cash withdrawal
- Shopping and merchants
- d POINT partner stores and d払い
- Airlines and travel
- 1,000 d points→500 JAL miles; monthly exchange cap applies
- Hotels
- Indirect via partner/travel services
- Transit and e-money
- d払い/partner uses; no universal transit cash-out
- Partner points and gifts
- JAL miles and selected partner/product exchanges
- Investing and charity
- d POINT investment and selected investment services/donations
- Highest-value route
- ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more
Programme rules published by dpoint.docomo.ne.jp · au.com · point.recruit.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
- Free
- Insurance
- Travel insurance subject to use
- Family cards and ETC
- Family/ETC available; issuer differs by network
- Networks
- Visa · Mastercard · JCB
- Stated eligibility
- 18+
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
- Selectable networks: Visa, Mastercard and JCB. Benefits and the issuing company can differ by network.
- Annual fee
- The annual fee is free.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns Recruit Points / Ponta / d POINT.
- Base earning
- It earns Recruit Points / Ponta / d POINT at a published base rate of about 1.2% on eligible use; exclusions and rounding apply.
- Bonus conditions
- Not confirmed in reviewed official material (not the same as “no”)
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Recruit Points / Ponta / d POINT sets the redemption options and the value of a point on its own programme page; the same earning rate is worth different amounts as a statement credit, partner points or miles.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- Travel insurance subject to use. Activation, covered persons, limits and exclusions follow the policy guide.
- 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/ETC available; issuer differs by network
- ETC card
- Family/ETC available; issuer differs by network
- Stated eligibility
- Stated eligibility: 18+. 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
- Recorded from the issuer lineup and product page on the stated date. Terms, rates, benefits, insurance and campaigns can change; no approval ranking or foreign-resident eligibility claim is made.