This applies to the Japan Post Visa Credit Card guide, which walks you through the application, eligibility, documents, and what to do once your card arrives.
Japan Post Bank (Yūcho Ginkō) offers a reliable credit card option for residents of Japan through its JP BANK Visa Credit Card.
It integrates easily with your bank account and is widely accepted.
Key Features & Benefits
You get nationwide usability at Visa-affiliated stores, ATMs, and post office counters.
The point rewards via the Japan Post Bank Point Mall are convertible to miles (e.g. ANA) or shopping credits.
Consider the optional ATM Cash Card integration, so your JP BANK Visa Card can also serve as your bank card.
Japan Post Bank has a reputation for conservative but dependable financial services, making it a suitable choice for both locals and mid-to-long-term foreigners.
Who Can Apply
These can apply for the Japan Post Visa Credit Card:
- Age requirements: Applicants must be 20 or older. (Juvenile card options exist for those under 29)
- Residency: You must reside in Japan with a valid status (Zairyū card for foreign residents).
- Bank account: You must have a Japan Post Bank (Yūcho) account to apply.
- Credit history: Stable income and creditworthiness are required. New foreign residents may need to wait several months to build a profile.
Required Documents and Information
To apply for the Japan Post Visa Credit Card, prepare the following:
- Personal details: Full name in kanji and katakana, address, birthdate, phone number.
- ID: Zairyū card or Japanese driver’s license.
- Japan Post Bank account: Number and branch code.
- Work & income: Employer name, occupation, annual income, and contact info.
- Email and password: You must register a valid email and create a login password during the application.
Step-by-Step: Apply for the Japan Post Visa Credit Card
You can apply for the Japan Post Visa Credit Card online:
Step 1: Access the Official Application Page
Visit the official site: JP BANK Credit Card Visa (Japanese site)
Navigate to “クレジットカードお申込み” (Credit Card Application). You’ll be directed to the online application portal.
Step 2: Choose Your Card Type and Settings
Before completing the form, you’ll be prompted to select:
Card Type:
- Standard: General card with basic features.
- Gold: Higher-tier card with added insurance and benefits.
- Juvenile: For those aged under 29.
Brand Selection: Choose VISA as your payment network.
Cash Card Integration: Decide if you want your credit card to also function as your ATM Cash Card.
You must also:
Register a valid email address.
Create a login password for future access to online services.
Agree to the card’s terms and privacy policies before applying.
Step 3: Fill Out the Application Form
Enter personal information, address, phone number, employment details, and bank account info.
Be careful to match your name and address exactly as registered with JP Bank.
Step 4: Identity Verification
Upload scans or photos of your identification documents. In some cases, Japan Post may ask you to send them by postal mail or submit it at a local branch.
Step 5: Credit Review
The bank will perform a credit assessment, which typically takes 3–7 business days. They may contact you by phone or mail if further verification is needed.
Step 6: Card Issuance and Delivery
Once approved, your card will be mailed to your registered address. Delivery typically takes 1–2 weeks.
Important: Register for Online Services After Receiving Your Card
Once your card arrives, you must register for the “JP BANK Card Member Exclusive Web Service” to enable secure online usage.
Without registration, your card may not work for online purchases.
Registration is required to manage payments, view statements, and receive point updates.
Fees and Interest Rates
Annual Fees
- Standard Visa: ¥1,375 (the first year is often free if usage conditions are met).
- Gold Visa: ¥11,000, with enhanced travel and shopping insurance.
Interest
- Revolving payments: Interest rate around 15% annually.
- Late payment: Fees apply; payment reminders will be mailed or emailed.
Customer Support and Account Access
Access online banking via JP Bank Net and Visa Net Station (Japanese only).
In-person support is available at most post office branches.
The customer service number will be printed on the back of your card.
Bank Headquarters Address
Japan Post Bank (Yūcho Ginkō)
Head Office: 〒100-8793 2-3-1 Otemachi, Chiyoda-ku, Tokyo, Japan
Phone (General Inquiries): +81-3-3477-0111
Pros and Cons Summary
Consider:
| Pros | Cons |
|---|---|
| Can integrate with ATM cash card | Limited English support |
| Trusted public-sector financial entity | Credit approval may be strict for newcomers |
| Points redeemable for ANA miles | Annual fee unless waived with use |
| Available nationwide in post offices | Juvenile card requires extra documentation |
Comparison: Japan Post Visa vs. Other Cards
JP Visa is Ideal for those already banking with Japan Post or using post offices often.
| Feature / Card | JP BANK Visa | Rakuten Card | AEON Card |
|---|---|---|---|
| Issuer | Japan Post Bank (Yūcho Ginkō) | Rakuten Card Co., Ltd. | AEON Credit Service Co., Ltd. |
| Annual Fee | ¥1,375 (free 1st year with use) | ¥0 (no fee, permanently free) | ¥0 (basic card), Gold: ¥3,300 |
| Card Type Options | Standard, Gold, Juvenile | Standard only | Standard and Gold |
| Point Program | JP Bank Point Program | Rakuten Points (1% base rate) | WAON Points / AEON member benefits |
| ATM Cash Card Integration | ✅ Yes (optional integration) | ❌ No | ✅ Yes (AEON Bank integration) |
| Application Language | Japanese only | Japanese (some English support on help pages) | Japanese only |
| Online Account Access | JP BANK Card Member Web Service | Rakuten e-navi platform | AEON Net Member Site |
| Minimum Age | 20 (Juvenile card available for 18–29) | 18 (Students allowed) | 18 (Parental consent needed under 20) |
| Credit Approval Strictness | Moderate to strict | Easy to moderate | Moderate |
| Shopping Insurance | ✅ Standard & extended with Gold card | ✅ Included | ✅ Included |
| Preferred Use | JP Bank customers, Post Office users | Online shoppers, mobile users | Supermarket/retail shoppers |
| Popular Bonuses | Bonus points via Point Mall | Welcome points (2,000–8,000 pts promo) | Special retail discounts, double point days |
| Customer Support | In person at post offices, Japanese only | Online chat + phone (some English) | Japanese-language phone support |
Conclusion
Applying for the Japan Post Visa Credit Card is a secure and practical option, especially if you already bank with JP Bank.
Its integration with ATM services, reward options, and national reach makes it suitable for residents with stable income and Japanese documentation.
Prepare your documents, register your email, and follow the application steps to take advantage of this convenient credit solution.
Disclaimer: This information is accurate as of June 2025. Please consult the official Japan Post Bank website for the latest application policies and conditions. Availability and terms may vary by region and applicant profile.
