The EPOS credit card is one of the most trusted and widely used cards in Japan. It’s known for simple applications, strong benefits, and zero annual fees.
This article explains how to apply, what you get, and why so many in Japan use it daily. It will provide clear answers to help you decide if it fits your needs.
Why Are Credit Cards Becoming More Common in Japan?
Credit card use in Japan has been rising in the past decade. More people now choose cards over cash for everyday payments.
This shift is partly due to the push for a cashless society. Online shopping and digital services also drive the change.
Younger users and travelers find cards more convenient and flexible. Many now look for cards with simple terms and strong benefits.
How to Apply for This Card?
Getting this card is simple and can be done online or in-person. Make sure you meet the basic requirements first.
Who Can Apply?
Before applying, you need to check if you qualify. These are the standard conditions:
- Age: Must be at least 18 years old (high school students not eligible).
- Residency: Must live in Japan with a valid local address.
- Income: Stable monthly income or a guarantor if unemployed.
- ID Required: Valid photo ID (e.g., My Number card, Residence Card).
- Contact Info: Must provide a working phone number and email.
- Bank Account: Japanese bank account for automatic payments.
Step-By-Step Application Process
The process is short and direct. You can apply online or at one of their service counters.
Visit the Official Website or a Nearby Store
You can apply online at the official EPOS site or visit a nearby store like Marui. Most stores have staff to guide you through the process.
Online is quicker and can be done anytime. Choose your preferred method and follow the steps.
Both options will ask for the same basic info. If you apply online, make sure your internet connection is stable.
Fill Out the Application Form
The form asks for your personal and contact details, including name, address, income, and job status. Make sure all information is correct to avoid delays.
There’s also a section about how you want to receive your card. Some options include home delivery or pickup at a store. Take your time and review before submitting.
Upload or Submit Required Documents
You need to submit ID and proof of income. Most upload options accept PDF or image files. If you apply at a store, bring physical copies.
Make sure the documents are clear and readable. Upload directly through the application site. You’ll get a message if anything is missing.
Wait for Approval and Get Your Card
After submission, the review takes a few days. You’ll get a message by email or phone. If approved, the card will be sent to your address.
Some stores offer same-day pickup. Keep your phone on in case they contact you. Once you get the card, activate it online or by phone.
Key Benefits of This Card
This card offers useful features for daily spending and travel. Here’s what you get when you use it regularly.
Reward Points You Can Use
You earn points every time you make a purchase. These can be used to get gift cards, pay bills, or buy products.
Points don’t expire quickly, so you can save them. You can also use them at partner stores.
Some stores give extra points on certain days. Through the member portal, you can check your points and where to use them.
Discounts and Special Offers
You get exclusive deals at stores, restaurants, and more. These are some of the available discounts:
- 10% off during sale events at Marui department stores.
- Movie tickets are discounted at partner cinemas.
- Restaurant offers at chain and local spots.
- Travel deals with selected agencies.
- Seasonal sales and limited-time campaigns.
- Offers can be checked on the official offers page.
No Annual Fees
This card has no yearly fee. That applies to both the first year and every year after. It’s good for people who want a low-maintenance card.
You still get access to the main features, which makes it budget-friendly for many users. There are no hidden costs if you use the card normally.
Use It Outside Japan
You can use this card overseas without trouble. It works with global networks like Visa, so most places accept it. It’s good for shopping and hotel bookings abroad.
You can also use it at international ATMs. Make sure to turn on overseas use through your online account. Check usage limits and alerts at the official site.
Interest Rates and Payment Details
This section covers how much interest you’ll pay and what happens if you’re late. Always check the latest info on their site before applying.
Rates for Spending and Cash Advances
Standard purchase interest is about 15.0% annually. Cash advance interest is higher, around 18.0% annually. Rates can change, so check the terms page.
You can choose between full payment and installments. Installments may add extra charges. Interest applies only if you don’t pay the full balance.
Fees for Late Payments
Late payments come with penalty fees. The interest for late payments is about 20.0% annually.
You may also lose access to benefits during the delay. Missed payments may affect your credit score.
If you’re more than 2 months late, the account may be frozen. Always check deadlines on the billing page.
Why Is This Card Popular in Japan?
This card fits well with how people in Japan like to manage money. It offers a mix of ease, security, and practical benefits.
Fits Local Habits
Many users in Japan prefer cards that are easy to manage and accepted in daily life. This one supports mobile wallets, which are growing fast.
It works well for people who value points and simple reward systems. No annual fee is also a big draw. Many locals trust it because it’s widely recognized. It fits the culture of reliability and simplicity.
Works Almost Everywhere
This card can be used in convenience stores, supermarkets, and major chains. It also works abroad through global networks like Visa. Online and in-person use is smooth.
ATMs across Japan accept it for cash withdrawals. Due to wide partnerships, many small shops also take it. You can check usage areas on the official site.
Strong on Security
The card uses fraud monitoring and identity verification tools. You get alerts if anything strange happens. Online use is protected with one-time passwords.
You can freeze the card instantly if lost. Chips and contactless tech make it safer at stores. Full details are available on the security info page.
Helpful Support Options
For quick help, phone support is available at 03-3383-0101. You can send documents to 3-22-14, Minami-cho, Kokubunji-shi, Tokyo 185-0021.
Support is ready for urgent updates or lost cards. Many tasks can be handled through the online portal. Keep your contact info updated to get alerts. Email support is also an option for non-urgent issues.
Disclaimer: Rates, offers, and features may change. Always check the official website for the latest terms.
Final Insights: A Quick Wrap-Up on the EPOS Credit Card
The EPOS Credit Card offers simple application steps, strong benefits, and wide use in and outside Japan. Its features match what local users expect from a smart payment option.
Security, no annual fees, and daily rewards make it practical. This guide provided the key information to help you decide if it fits your needs.