Sumitomo Mitsui Card Gold (NL) 三井住友カード ゴールド（NL）
Fee-waivable gold card · Sumitomo Mitsui Card · Credit cards
A gold Visa/Mastercard whose ¥5,500 fee becomes permanently free after ¥1,000,000 of qualifying annual spend, which also earns a 10,000-point yearly bonus.
Highlights
- Permanent fee waiver after ¥1M qualifying annual spend
- 10,000-point bonus each year you reach ¥1M
- Domestic airport lounges and card insurance
Things to consider
- Below ¥1M spend the fee and 0.5% base are less attractive
- Qualifying spend excludes some transactions
Fees: ¥5,500 annual fee, permanently waived after ¥1,000,000 of qualifying annual spend.
Card facts
- Network
- Visa or Mastercard.
- Annual fee
- ¥5,500 including tax for the primary card.
- Fee waiver
- Permanently waived once qualifying annual spend reaches ¥1,000,000; qualifying spend excludes certain transactions.
- Rewards
- Earns V Points.
- Base earning
- Base points accrue on eligible purchases; a 10,000-point bonus is added each year qualifying spend reaches ¥1,000,000.
- Bonus conditions
- Named-merchant and smartphone touch-payment bonuses require the stated merchant and payment method; they are not the base rate.
- 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 designated overseas processing charge (around 3.63% on mainstream Visa/Mastercard products); verify the current rate.
- Insurance
- The card includes issuer-described travel insurance and shopping protection; activation, limits and exclusions apply.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Complimentary domestic airport lounges are offered under the current guide.
- 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.