SMBC Business Owners Gold 三井住友カード ビジネスオーナーズ ゴールド
Gold points card · Sumitomo Mitsui Card · Credit cards
SMBC Business Owners Gold is a Gold points card from Sumitomo Mitsui Card, issued on Visa and Mastercard. The annual fee is ¥5,500 including tax. It earns V POINT at a published base rate of about 0.5% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-16.
Highlights
- Annual fee ¥5,500 including tax
- Earns V POINT at about 0.5% base rate
- Domestic airport lounges
Things to consider
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥5,500 a year.
- Stated eligibility: Corporate representative or sole proprietor; issuance remains subject to screening.
Fees: The annual fee is ¥5,500 including tax.
Points and rewards
This card earns V POINT at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- V POINT
- Base earning rate
- 0.5%
- What a point is worth
- 1 point=¥1 in common uses
Best for
Fee waiver plus annual-spend bonus is unusually strong for business use
Watch out for
¥1m calculation exclusions and pairing/bank-account conditions matter
How you earn
- Earning rule
- Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100
- Extra earning on this card
- Annual ¥1m spend earns 10,000 points; eligible paired-card uses up to 2.0%
- Programme bonuses
- Selected convenience/restaurant smartphone contactless; family/Olive conditions; preferred stores and annual-spend bonuses by card
- Spend that earns
- Eligible card shopping
- Spend that earns less, or nothing
- Fees, cash advances, designated e-money/charges and bonus-excluded transaction routes
- Caps, registration and thresholds
- Headline maximum requires multiple SMBC banking/family/app conditions; annual-spend calculations exclude named transactions
- Expiry
- 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ
Using your points
- What points can be used for
- V Point Pay Visa spending; card bill offset; stores; investment; SBI Securities; airline miles; partner points; products/donations
- Statement credit or cash
- 1 point=¥1 toward eligible card bills
- Shopping and merchants
- V Point partner stores and V Point Pay
- Airlines and travel
- ANA and other mileage routes; ratios depend on card/course
- Hotels
- Indirect via Visa spending/partners
- Transit and e-money
- V Point Pay can be used at eligible Visa contactless/online merchants
- Partner points and gifts
- Multiple partner points, including PayPay exchange with restrictions
- Investing and charity
- SBI Securities/card accumulation and point investment
- Highest-value route
- Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio
Programme rules published by smbc-card.com · 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
- ¥5,500
- Insurance
- Selectable insurance including travel plan
- Lounges and travel services
- Domestic airport lounges
- Family cards and ETC
- Partner cards free; ETC available
- Networks
- Visa · Mastercard
- Stated eligibility
- Corporate representative or sole proprietor
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 | ¥5,500 | Network-selectable family |
Card facts
- Network
- Selectable networks: Visa and Mastercard. Benefits and the issuing company can differ by network.
- Annual fee
- The annual fee is ¥5,500 including tax.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns V POINT.
- Base earning
- It earns V POINT at a published base rate of about 0.5% 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
- V 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
- Selectable insurance including travel plan. 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
- Domestic airport lounges. Access, guest and visit conditions are set by the current benefit 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
- Partner cards free; ETC available
- ETC card
- Partner cards free; ETC available
- Stated eligibility
- Stated eligibility: Corporate representative or sole proprietor. 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.