Sumitomo Mitsui Card Platinum Preferred 三井住友カード プラチナプリファード
Points-focused platinum card · Sumitomo Mitsui Card · Credit cards
A ¥33,000 Visa positioned primarily as a high-return rewards card: about 1% base, elevated rates at preferred merchants and up to 40,000 annual bonus points depending on spend.
Highlights
- About 1% base return with preferred-merchant bonuses
- Annual bonus points up to 40,000 by spend tier
- Concierge, lounges and travel insurance
Things to consider
- Weighted to points, not unlimited luxury lounge/hotel status
- The fee needs substantial annual spend to justify
Fees: ¥33,000 annual fee; value depends on directing high annual spend to the card.
Card facts
- Network
- Visa.
- Annual fee
- ¥33,000 including tax for the primary card.
- Fee waiver
- No standing fee waiver; value comes from rewards and annual bonus points rather than a waiver.
- Rewards
- Earns V Points.
- Base earning
- Around 1% base accrual on eligible spend, with preferred-merchant uplifts and up to 40,000 bonus points by annual-spend tier.
- Bonus conditions
- Preferred-merchant and annual-spend bonuses require the stated merchant, registration or spending threshold.
- 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
- Comprehensive travel insurance and shopping protection apply under the policy guide with limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Domestic airport lounges and a Priority Pass-style overseas package are offered under current 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
- 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.