Japan Post Bank (JP BANK / Yūcho) issues the Japan Post Credit Card on JCB, Visa, and Mastercard networks.
You can choose a cash-card-integrated version (credit + ATM cash card in one) or a stand-alone credit card.
Billing commonly closes at month-end and debts are drawn on the 26th of the next month (or next business day).
Japan Post Credit Card Lineup and Core Features
Baseline accrual around 1 point per ¥1,000 of monthly billed spending, with brand-specific bonus programs administered.
Security enables 24/7 monitoring, online purchase authentication, and loss/theft liability coverage (generally with a standard look-back period).
ETC card is available for electronic toll collection. Tap-to-pay is supported where enabled.
Web statements are available; a paper statement fee of ¥165 may apply if you opt to receive mail statements.
| Feature | JP BANK Card (Visa/Mastercard) – Stand-Alone Credit | JP BANK Card (Visa/Mastercard) – Cash-Card Integrated | JP BANK JCB Card – Cash-Card Integrated |
|---|---|---|---|
| Networks / Brand | Visa or Mastercard | Visa or Mastercard | JCB |
| Card Form | Credit card only | Credit card + JP BANK ATM cash card in one | Credit card + JP BANK ATM cash card in one |
| Annual Fee Waiver | Waived with at least one purchase in prior card-year (typical rule) | Same as left | Same as left |
| Points (Base Rate) | ~1 pt per ¥1,000 billed spend (brand/tier bonuses may apply) | Same as left | ~1 pt per ¥1,000 billed spend (JCB program bonuses may apply) |
| Contactless / Mobile Pay | Supported where available; can add compatible wallets per brand | Same | Supported; QUICPay/other JCB options per device/issuer |
| Statements | Web statements available; paper fee ¥165 if mailed | Same | Same |
| Typical Billing | Closes month-end; payment 26th of next month (or next business day) | Same | Same |
| Eligibility (General) | 18+ (HS students excluded) | 18+ (HS students excluded) | 18+ (HS students excluded); stable income for you/spouse, or students 18+ |
| Credit Limits (Guide) | Shopping often ¥100k–¥1,000k (post-screening); cash advance set separately | Same | Same (post-screening) |
| Best Fit | Want a credit-only card, not tied to your cash card | Want one card for credit + JP BANK ATM access | Prefer JCB acceptance and JCB member benefits with cash-card integration |
How do Japan Post Card Points Work?
Points usually post after the statement closing date and are visible in your online portal.
Redemptions include catalog items, gift cards, and sometimes statement credit or partner transfers.
If you spent ¥53,400 in a cycle, the base earn would be 53 points; if you returned ¥3,400 that same cycle, the base earn would drop to 50.
Points do expire after a set period, which is shown next to each balance line in your portal, so it’s smart to redeem higher-value options first.
Interest Rates and Fees
Actual rates depend on card type and program settings at the time of Japan Post Bank credit card application.
- Revolving (リボ) APR: commonly 15.0% effective annual rate on several products; select entries may be 12.0%.
- Installment (分割) APR: generally 12.0%–14.75% for some Visa/Mastercard entries; 15.0% is listed for certain JCB general lines. Common terms include 3–24 months, with longer tenors occasionally available where merchants support them.
- Cash advance (キャッシング): typically 15.0% APR for revolving or lump-sum.
- Late charges: often around 14.6% for shopping and 20.0% for cashing.
- Paper statement fee: ¥165 per mailed statement (avoid by enrolling in web statements).
- Annual fee (recap): ¥1,375 from year two unless you meet the usage condition for waiver.
In Japan, full balance payment is the standard default.
Interest applies mainly if you choose revolving or installment plans. Confirm your settings in your online portal (JP BANK Card WEB or MyJCB).
How to Apply For Japan Post Credit Card
Applicants 18+ with a stable income for you or your spouse.
- Have or open a JP BANK account (for integrated type). If you prefer the cash-card-integrated credit card, an active account is required.
- Choose a network and product. Decide between JCB (integrated only) or Visa/Mastercard (integrated or stand-alone), and whether a youth or gold variant fits your profile. Check annual-fee rules and point programs.
- Apply online or at a branch. You can start on JP BANK’s website, request application materials by phone, or apply at a Japan Post Bank branch. Prepare identification and, where relevant, proof of income or residency information.
- Screening. Approval depends on the bank’s credit assessment, including income stability, overall credit standing, and account history.
- Set payment method and statements. After approval, confirm one-time full payment if you plan to avoid interest and enroll in web statements to avoid paper fees.
Customer Support, Phone Numbers, and Address
JP BANK Card Desk (Visa/Mastercard): 03-6627-4045 (Tokyo) / 06-6445-3206 (Osaka).
JP BANK JCB Card inquiries: 0120-051-088 (toll-free). From mobiles: 0570-064-108. Hours: 9:00–17:00, closed Sundays/holidays and year-end/New Year.
Head office (Japan Post Group / JP BANK): 2-3-1 Ōtemachi, Chiyoda-ku, Tokyo 100-8793. Main number: 03-3477-0111.
Pros and Cons of JP Post Bank Credit Card
Pros
- Integrated cash-card + credit option simplifies your wallet and ATM access.
- First-year free with easy annual-fee waiver thereafter via minimal usage.
- Solid security, ETC availability, and predictable billing dates.
Cons
- Installment/revolving APRs in the 12.0%–15.0%+ range can add up; best avoided if you typically pay in full.
- Paper statement incurs ¥165 if you don’t switch to web statements.
- Perks and point multipliers can vary by brand/tier and may change over time.
Conclusion
The Japan Post Credit Card is a practical fit if you already bank with Japan Post Bank and want a single card that can also function as your ATM cash card.
To maintain value, pay in full and avoid revolving or long installment plans unless necessary.
Application is accessible online, by phone, materials request, or in-branch, and support is available through the Card Desk lines above.
Disclaimer: This guide summarizes product details available from Japan Post Bank and its card program materials. Rates, fees, eligibility, benefits, contact numbers, and addresses can change without notice. Always confirm the latest terms directly with Japan Post Bank via official channels or at your local branch before applying.
