SMBC Business Owners Platinum Preferred 三井住友カード ビジネスオーナーズ プラチナプリファード
Platinum points card · Sumitomo Mitsui Card · Credit cards
SMBC Business Owners Platinum Preferred is a Platinum points card from Sumitomo Mitsui Card, issued on Visa. The annual fee is ¥33,000 including tax. It earns V POINT at a published base rate of about 1% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-16.
Highlights
- Annual fee ¥33,000 including tax
- Earns V POINT at about 1% base rate
- Concierge; DragonPass tickets after qualifying annual spend
Things to consider
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥33,000 a year.
- Stated eligibility: Corporate representative or sole proprietor age 20+; issuance remains subject to screening.
Fees: The annual fee is ¥33,000 including tax.
Points and rewards
This card earns V POINT at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- V POINT
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 in common uses
Best for
High base earn and annual bonuses for large business expenses
Watch out for
Large-spend benefits, insurance triggers and merchant-specific caps must be checked
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
- Selected business-owner preferred stores up to 10%; ¥10,000 points per ¥1m spend, up to 40,000
- 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
- ¥33,000
- Insurance
- Domestic/overseas travel insurance up to ¥50m, usage conditions
- Lounges and travel services
- Concierge; DragonPass tickets after qualifying annual spend
- Family cards and ETC
- Partner cards free; ETC available
- Networks
- Visa
- Stated eligibility
- Corporate representative or sole proprietor age 20+
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 | ¥33,000 | Visa product |
Card facts
- Network
- Visa.
- Annual fee
- The annual fee is ¥33,000 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 1% 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
- Domestic/overseas travel insurance up to ¥50m, usage conditions. 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
- Concierge; DragonPass tickets after qualifying annual spend. 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 age 20+. 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.