Sumitomo Mitsui Card (NL) 三井住友カード（NL）
No-annual-fee credit card · Sumitomo Mitsui Card · Credit cards
Visa/Mastercard card with no annual fee for the standard card and conditional V Point bonuses.
Highlights
- No annual fee for the standard card
- Points on eligible spending
- Official online application subject to screening
Things to consider
- Bonus rates require specific conditions
- Confirm revolving-payment and foreign-use fees
Fees: No annual fee for the standard card; other cards and payment services have separate fees.
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 selected-merchant card
Watch out for
Maximum rate needs app/account/family conditions and eligible contactless method
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
- High contactless rates at eligible convenience stores/restaurants; conditions apply
- 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
- Free
- Insurance
- Selectable free insurance
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard
- Stated eligibility
- 18+; high-school students excluded
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 |
Card facts
- Network
- Visa or Mastercard.
- Annual fee
- No annual fee for the standard card.
- Fee waiver
- Not applicable because the standard card has no annual fee.
- Rewards
- Earns V Points.
- Base earning
- Base points accrue on eligible purchases; exclusions and rounding rules apply.
- Bonus conditions
- Named-merchant and smartphone touch-payment bonuses require the stated merchant, payment method, and other conditions; they are not the base rate.
- Point expiry
- Expiry is governed by the current V Point terms and activity rules.
- Redemption
- Issuer-listed uses include payment credits and eligible V Point services; conversion units vary.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated processing charge; verify the current rate.
- Insurance
- The card includes the issuer-described conditional insurance/benefit selection; coverage, activation, limits, and exclusions apply.
- 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
- Supported mobile wallets and touch payments depend on card, device, and merchant.
- Family cards
- Family cards are available under issuer conditions.
- ETC card
- An ETC card is offered; check current fee conditions.
- Stated eligibility
- The issuer states age and other application requirements; high-school-student exclusions and screening apply.
- Application
- Apply through the issuer channel. Issuance and limits remain subject to screening; this record makes no approval-likelihood claim.
- 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 later-payment changes.
- Cash advance
- Cash advance is available only when approved and is subject to the disclosed interest, limit, and repayment terms.
- Limitations
- Terms, rates, benefits, and campaigns can change. Verify the dated issuer material; no approval ranking or foreign-resident eligibility claim is made.
Sumitomo Mitsui Card (NL) vs other standard cards
A side-by-side view of fixed cost and point terms. Select any card name to open its full record.
| Criterion |  Sumitomo Mitsui Card (NL) |  Rakuten Card |  Epos Card |  JCB Card S |  d Card |  PayPay Card |  au PAY Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the standard card. | No annual fee for the standard primary card. | No annual fee for the standard card. | No annual fee for the primary card. | No annual fee for the standard d Card. | No annual fee for the standard card. | No annual fee for the standard card. |
| Points | Earns V Points. | Earns Rakuten Points. | Earns Epos Points. | Earns J-POINT under the current JCB program. | Earns d POINT. | Earns PayPay Points. | Earns Ponta Points. |
| Base earning | Base points accrue on eligible purchases; exclusions and rounding rules apply. | Generally 1 point per ¥100 of eligible card use; exclusions and different rates apply. | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | Points accrue on eligible monthly card use under JCB rounding and exclusion rules. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. | Ponta Points accrue on eligible card use; exclusions and calculation rules apply. |
| Point expiry | Expiry is governed by the current V Point terms and activity rules. | Regular points expire one year after the last point was earned; earning a regular point extends the date. Limited-time points follow their stated date. | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | Point validity follows the current J-POINT terms for this card. | Validity follows current d POINT Club rules and point type. | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. | Point validity follows current Ponta program terms and activity treatment. |