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.
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
Strong ¥1m-spend milestone card
Watch out for
Threshold measurement/exclusions; marginal spend distortion
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 benefit and selected merchant rates
- 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
- Lounges and travel services
- Domestic lounges
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard
- Stated eligibility
- 20+ with stable income
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 | Selectable network stated or represented at family level |
| Mastercard | ¥5,500 | Selectable network stated or represented at family level |
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.