Mitsubishi UFJ Nikos VIASO Card: Apply and Enjoy Amazing Benefits

The Mitsubishi UFJ Nikos VIASO Card is a popular credit card in Japan known for its automatic cashback system and no annual fee.

Designed for everyday users, it offers excellent benefits for online shopping, commuting, and travel.

In this guide, you’ll learn how to apply and take full advantage of the VIASO Card’s features and rewards.

What is the VIASO Card?

The VIASO Card is a credit card issued by Mitsubishi UFJ NICOS and is available in either VISA or MasterCard format.

It is offered to residents of Japan who are 18 years of age or older and have a stable income.

The application process is primarily in Japanese, but limited English support may be available for foreign applicants.

Who Should Consider It?

This card is designed for individuals seeking a straightforward, low-maintenance credit card with practical rewards.

Its automatic cashback and no annual fee make it a great fit for many users in Japan. Here’s who can benefit most:

Online Shoppers – Earn extra points through the VIASO e-Shop bonus program.
Commuters and Drivers – Earn cash back on ETC tolls and gas station purchases.
First-Time Credit Card Users – Easy to apply and manage, with no complicated rewards system.
Students with Income – Those with part-time jobs and a stable income are eligible to apply.
Budget-Conscious Users – No annual fee if used once per year, plus automatic cashback with no redemption process.

Key Features

The VIASO Card offers simple rewards, no annual fees, and added perks for daily use and travel. Here are its key features in brief:

Automatic Cashback: Earn 5 points per ¥1,000 spent, which are automatically converted to cash and credited annually.
No Annual Fee: Free to use, with no yearly charges.
Travel Insurance: Up to ¥20 million coverage when travel is paid with the card.
Fast Issuance: Receive your card as early as the next business day after approval.
Online Shopping Points: Earn extra points on purchases made through partner sites, such as Amazon and Rakuten.
Flexible Payments: Choose from one-time, installment, or revolving payment options.
Security Features: Built-in fraud protection and secure transaction monitoring.

Interest Rates and Fees

The card offers a cost-effective credit solution with straightforward fees and interest rates. Here’s a detailed breakdown:

Annual Fee: No annual fee is charged, making it an economical choice for users.
Card Issuance Fee: A one-time issuance fee of ¥1,100 applies when you sign up for a new card.
Interest Rates: The interest rate is determined based on your financial capacity and credit score during the application process.
Foreign Currency Transaction Fee: For purchases made in foreign currencies, a service fee of 3.85% (including tax) is applied.

These terms make the VIASO Card a competitive option for individuals seeking a credit card with minimal fees and clear interest rate policies.

How to Apply

Applying for the Mitsubishi UFJ NICOS VIASO Card is simple and convenient for residents of Japan.

Whether you’re new to credit cards or adding one more, here’s how to apply:

Eligibility Criteria

To apply for the VIASO Card, you must meet the following basic requirements:

To be eligible for the VIASO Card, applicants must:
Be at least 18 years old.
Have a stable source of income.
Reside in Japan with a valid address.
Possess a good credit history.
These criteria ensure that applicants can manage their credit cards responsibly.

Required Documents

When applying, prepare the following documents:

Proof of Identity: A valid government-issued ID such as a passport or driver’s license.
Proof of Income: Recent pay stubs, tax returns, or an income certificate.
Proof of Address: A utility bill, residence certificate, or bank statement showing your current address.
Contact Information: A valid phone number and email address are required.

Having these documents ready will streamline the application process.

Application Process

You can apply for the VIASO Card through various methods:

Online Application:

Visit the official Mitsubishi UFJ NICOS website.
Navigate to the credit card section and select the VIASO Card.
Fill out the online application form with your personal and financial details.
Upload the required documents.
Apply and await approval.

In-Branch Application:

Visit a Mitsubishi UFJ NICOS branch.
Request an application form and fill it out with your details.
Submit the form along with the required documents.
A bank representative will assist you with the process.

Agent-Assisted Application:

Contact a Mitsubishi UFJ NICOS agent or representative.
Schedule a meeting to discuss the application process.
Provide the agent with your details and necessary documents.
The agent will assist you in completing and submitting the application.

Choose the method that best suits your convenience.

Approval and Card Delivery

After submitting your application:

Review Process: Mitsubishi UFJ NICOS will assess your application, including your credit history and financial standing.
Approval Notification: You will receive an email or SMS informing you of the decision.
Card Delivery: If approved, your VIASO Card will be delivered to the address you have registered.

How to Use and Manage the VIASO Card

Effectively managing your Mitsubishi UFJ NICOS VIASO Card ensures you maximize its benefits and maintain financial health.

Here’s how to use and oversee your card responsibly:

Online Account Management

Register for VIASO Net: Sign up for the VIASO Net online service to monitor your card activities.
Monitor Transactions: Regularly check your spending, view statements, and track reward points through the online portal.
Set Up Alerts: Configure email or SMS notifications for payment reminders and transaction alerts to stay informed.

Payment Methods

Automatic Bank Deductions: Link your bank account to enable automatic monthly payments, ensuring timely bill settlements.
Payment Options: Choose from one-time, installment, or revolving payments to suit your budget.

Billing Cycle Awareness

Statement Period: Understand your billing cycle to plan expenditures and payments effectively.
Payment Due Dates: Be aware of your payment due dates to avoid late fees and maintain a good credit standing.

Reward Points Utilization

Earning Points: Use your VIASO Card for everyday purchases to accumulate reward points.
Redeeming Points: Points are automatically converted to cashback and credited to your account annually, simplifying the redemption process.

Contact Details

If you have inquiries about the VIASO Card, need assistance with your account, or wish to apply, you can reach Mitsubishi UFJ NICOS through the following channels:

Phone (Japan Domestic): 0570-025405
Alternative: 03-5940-1100
Operating Hours: 9:00 AM – 5:00 PM JST (Daily, excluding year-end and New Year holidays)
Head Office Address: Mitsubishi UFJ NICOS Co., Ltd., 4-14-1 Sotokanda, Chiyoda-ku, Tokyo 101-8960, Japan.