The Biccamera Suica credit card is popular in Japan because it is suitable for daily shopping and train rides. It can be used at BicCamera stores and as a Suica public transport card.
This article will show you how to apply online. It also explains the card’s key features, benefits, and details.
What is the BicCamera Suica Credit Card?
The BicCamera Suica Credit Card is a dual-use card made for shopping and commuting. It’s issued by Viewcard and includes both credit and Suica train functions.
You can earn reward points from purchases and travel with one card. It supports both Visa and Mastercard networks.
You can also use it at stores, convenience shops, and stations across Japan. It’s best for people who shop and commute regularly.
Key Features
This card combines transport and shopping in one. Here are the main features that matter.
Integrated with Suica IC Card
You can ride trains, buses, and shop at places that accept Suica. The IC chip is built-in, so you don’t need a separate card. You can also tap and pay quickly at gates and stores. It’s convenient for people who commute daily.
Reward Points System
You get Bic Points and JRE POINTS depending on where and how you shop. Points can be redeemed for travel or electronics.
Spending more means earning more rewards. It supports bonus points during store campaigns.
No Annual Fee
There’s no annual fee as long as you use it once yearly. If unused, there’s a small fee (~500 yen). This keeps the card low-cost for active users. The usage can be any purchase.
Visa or Mastercard Options Are Available
You can choose between Visa or Mastercard networks. Both are widely accepted in Japan. This gives flexibility depending on your preference. You can apply for either during registration.
Automatic Recharge for Suica Balance
The card can auto-recharge your Suica when the balance gets low. This saves you time at the ticket machine.
It deducts from your credit line. You’ll see recharge records in your billing.
Benefits Overview
The card offers rewards and convenience if used the right way. Here are the main advantages.
Point Rebate When Shopping
You get up to an 11.5% point rebate in total. This includes card use, member bonus, and campaign points. You can also earn up to 8,000 Bic Points for applying and spending.
Convenient Travel with Built-in Suica Function
With the Suica feature, you can travel without reloading separately. It works like a regular IC card.
You also avoid lines at recharge machines. It’s built into the same plastic as your credit card.
Accepted Nationwide as a Regular Credit Card
You can use it at stores, restaurants, online, and in transport. It works like any other credit card. The added bonus is the built-in Suica for local use. It’s a smart all-in-one solution.
Discounts and Exclusive Promotions
Cardholders get access to limited-time deals. These include discounts or extra points at partner shops. Offers change by season. Check the latest offers here.
Easy Point Redemption
Points earned can be used at electronics stores or for train-related rewards. You can combine point systems, too.
Redemption is done online or in person. The process is quick if you use the official app.
Interest Rates and Fees
The card comes with standard fees and rates. Here’s what to expect.
Purchase APR
The interest for purchases is around 14.6%. It applies if you carry a balance. You can avoid it by paying in full monthly. Terms are listed on Viewcard’s site.
Cash Advance APR
If you withdraw cash using the card, the rate is higher. It ranges between 14.94% to 17.8%. Use this only for emergencies. It also may have daily or monthly limits.
Late Payment Fee
Late fees can go up to 20% APR. This is applied on unpaid balances. To avoid this, pay on or before the due date. Late payments may also affect credit screening.
Foreign Transaction Fee
For overseas use, expect a fee of 1.6% to 2.0%. This is common for international purchases.
Currency conversion charges may also apply. Use domestic payment methods to avoid extra costs.
Annual Fee Policy
There’s no yearly fee if you use the card even once. If not, a fee of around 500 yen applies.
This keeps it accessible for casual users. Just make a single purchase per year to skip it.
How to Apply Online?
You can finish the full process using your phone or PC. Follow these steps to apply fast and correctly.
Visit the Official Website
Go to the official Viewcard page here. This is where all credit card types are listed. Scroll until you see the Suica card options. Choose the card to view the details.
Choose “BicCamera Suica Card” Under Credit Card Options
Click on the credit card name in the list. Look for the version that includes the Suica IC function. Make sure you’re selecting the correct logo and version. The site has pictures for easy reference.
Prepare Required Documents
You need a valid residence card or ID with address. You must also show proof of income, like a payslip or tax record. A working Japanese phone number is required for contact.
Prepare everything before starting. The system may time out if you pause too long. Keep clear photo files or PDFs ready.
Fill Out the Application Form Online
Click “Apply Now” and fill in your personal details. Add your name, address, and phone number as written on your ID.
Select your preferred card type: Visa or Mastercard. Upload all required documents when prompted. Review your entries before clicking submit. Errors may cause delays or rejection.
Wait for Approval via Email or Mail
You’ll get a message by email or postal mail. Most applicants receive a reply within 7 to 14 days. If documents are missing, they may ask for resubmission.
Approval depends on income and history. If approved, the card will be mailed to your address. Activation instructions come with it.
Application Requirements
To get approved, you must meet the basic conditions. Check each point before applying.
Must Be 18 Years or Older
You must be at least 18 years old to apply. But you’ll need to be 20 or older to get the full credit features.
Under-20s may get a limited version. Parental consent may also be required for minors.
Must Have a Stable Income
You need regular income from work or business. Part-time jobs may be accepted, but full-time work gives better approval chances.
No income usually means rejection. Financial stability is a major factor.
Japanese Address and Valid Phone Number Required
You must provide a current address in Japan. P.O. boxes are usually not accepted. A working mobile or landline number is required. The bank may call to verify your information.
Resident or Working in Japan
You must be living or working in Japan during the application. Short-term visitors or tourists cannot apply.
Permanent or long-term residency is usually required. The address must match your ID.
Customer Support
If you need help, contact support directly. Here’s the basic contact info. You can reach Japan Post Bank by phone at 03-3477-0111.
The main office is located at 3-1, Otemachi 2-chome, Chiyoda-ku, Tokyo 100-8793, Japan. Calls are usually answered in Japanese only. Prepare your card number or application info before calling.
Disclaimer: Approval is not guaranteed. Conditions may change without notice.
Final Summary: What You Should Know Before Applying?
The BicCamera Suica Card online application is simple if you meet the basic requirements. It works for shopping, travel, and daily expenses.
You get points, convenience, and full credit features in one. Always prepare documents and double-check before submitting.
