Credit Card Options

Getting a Credit Card in Japan

  • Getting a credit card soon after you arrive in Japan can be difficult if you don't have any credit history in Japan
  • People usually wait for six months to earn credit history in Japan by using debit card to re-apply for it if your application gets declined
  • The credit card limit will be determined by the issuer

If you'd like to apply for a credit card at Resource Center, please bring:

  • Residence card
  • Health insurance card
  • Bankbook

Recommended Credit Card Options for OIST Community:

1. PSMA

  • Application: Paper application available at the Resource Center. Resource Center staff can assist you with the application process.
  • Annual Fee: 3,300 JPY
  • Available Credit Card Brands: Visa, Master Card, and JCB
  • What's good: Gold card, comes with free domestic airport lounge access, minimum international travel insurance

*NO annual charge for the first year. From the second year, the annual fee will be waived if you have spent 300,000JPY or more on your credit card in the past year.

** Student and non-OIST employees cannot apply for this credit card

 

2. GTN EPOS CARD (English OK) *Exclusive for GTN customors only

  • Application: Online
  • Annual Fee: Free
  • Available Credit Card Brands: Visa
  • What's good: No annual fee, customer service in English is available

 

3. Rakuten Credit Card

  • Application: Online
  • Annual Fee: Free
  • Available Credit Card Brands: Visa, Master Card, JCB, and American Express
  • What's good: No annual fee, comes with minimum international travel insurance, earn Rakuten points, various card designs available

 

4. ANA Credit Card

  • Application: Apply at the Resource Center
  • Annual Fee: Free for the first year, 2,200 JPY from the second year *Free for Students
  • Available Credit Card Brands: Visa, Master Card, and JCB
  • What's good: No annual fee for student

 

4. Orico Credit Card

  • Application: Online
  • Annual Fee: Free for master card and JCB
  • Available Credit Card Brands: Visa, Master Card, and JCB
  • What's good: No annual fee, ID(electronic money) function available

 

5. Aeon Credit Card

  • Application: Online, At the registration desk inside Rycom Mall
  • Annual Fee: Free for Visa, Master, JCB, first year free for cards with JAL Mileage bank
  • Available Credit Card Brands: Visa, Master Card, and JCB
  • What`s good: No annual fee *Except for cards with JAL Mileage bank, Earn WAON points, electronic money function available (ID, WAON), Comes with the minimum travel insurance