The MUFG credit card is known for its convenience, security, and rewards. If you’re planning to apply, it’s important to know what comes with it.
This article will show you the key features, main benefits, and how to apply online. You’ll also learn what to prepare and what to expect during the process.
About MUFG Credit Card
This is one of the largest financial groups in Japan. It provides banking, credit, and asset services. It has both local and international operations.
The group handles millions of personal and business accounts. Its credit services are known for stability and wide usage. It offers several card types with different features.
Key Features of the Card
These cards are built for daily use, both in Japan and abroad. They offer basic and premium features depending on the card type.
Accepted Worldwide
You can use these cards where Visa, Mastercard, or JCB are accepted. That includes convenience stores, restaurants, and global websites.
It works for travel and online shopping. You don’t need to worry about limited coverage.
Secure Use and Fraud Protection
Each card has chip-based security and contactless features. There’s 24/7 fraud monitoring on all card types.
You’ll be notified about suspicious transactions. Most unauthorized use is covered.
Online Access and Mobile App
You can check your balance and manage your card through the app or online portal. This includes statements, limit adjustments, and usage tracking.
The mobile interface is clean and simple. Payments and settings are updated in real time.
Points, Cashback, and Perks
Some cards give you up to 15% back in points at stores like 7-Eleven. Others include travel rewards and lifestyle benefits.
Offers depend on card type and monthly usage. Terms apply to each reward structure.
Benefits You Can Expect
These cards give useful perks beyond the basics. Most benefits vary by tier and usage pattern.
Low or No Annual Fee
The standard card has no annual fee for life. Other cards offer the first year free.
Higher-tier cards may charge after year one. It depends on the level of service included.
Bonus Points for New Users
New cardholders can get up to 15,000 yen worth of points. These bonuses apply if you meet the spending rules.
Campaign periods may change. Always check the terms when applying.
Flexible Repayment Terms
You can choose lump-sum or revolving payments. There are also installment options for large purchases.
Interest applies to unpaid balances. Settings can be changed through your account.
Contactless and E-wallet Ready
Cards support Apple Pay, Google Pay, and other wallets. You can also tap and pay with supported terminals. It works well for quick daily spending. Setup takes just a few minutes.
Travel and Purchase Protection
Higher-tier cards include airport lounge access, hotel deals, and insurance coverage. Coverage varies by card.
Some include Priority Pass or meal discounts. Always review the included services before choosing.
Who Can Apply?
You need to meet some basic conditions to apply. These requirements help check if you qualify.
Age Requirement
You must be at least 18 years old. For full credit use, you need to be 20 or older. Parental consent is required if under 20. Age may affect your card limit.
Income or Student Status
Regular income is preferred. Some cards allow students to apply with proof of school enrollment. High-tier cards require stable employment. Requirements differ by card.
Japanese Address and Contact
You must have a registered address in Japan. A working phone number is also needed.
This is used to confirm identity and deliver your card. Applications without this info are rejected.
Credit Background
A clean payment history improves your chances. Past credit issues can lead to rejection. Avoid applying for many cards at once. Keep your credit profile consistent.
How to Apply Online – Step-By-Step
You can apply using the official site. Make sure you have the needed documents ready before starting.
- Go to the official credit card website
- Pick the card that fits your needs
- Enter a valid Japanese address and phone number
- Fill out the online form with accurate details
- Review all terms before submitting
- Submit and wait for the approval notice (usually in 1–2 weeks)
Interest Rates and Fees
Rates and fees depend on the card you choose. Make sure to check the exact terms before applying.
Annual Percentage Rate – APR
The standard APR is between 12.25% to 17.95%. It depends on how and where the card is used.
This rate applies to unpaid balances. Review it carefully before choosing payment options.
Cash Advance Rate
Cash withdrawals charge around 18.0% interest. This is higher than regular purchase rates. You start getting charged right after the withdrawal. It’s better to avoid unless urgent.
Late Payment Penalty
If you miss a payment, the penalty can go up to 20.0%. Late fees add to your total balance fast.
Avoid delays to keep your credit clean. Most cards send reminders before due dates.
Annual Fee
Some cards are free forever. Others charge between ¥1,250–¥10,000 yearly. Higher-tier cards usually come with a fee. Read the card details before applying.
Rate Differences by Card
Each card type has its own rate structure. Benefits, usage level, and user profile affect this.
Premium cards have more perks but higher costs. Basic cards usually have lower or no fees.
Tips to Get Approved
Before you apply, follow these tips to improve your chances.
- Apply with updated personal info (name, address, phone)
- Make sure you have a steady income or valid student proof
- Only apply for one card at a time
- Don’t apply if you’ve had recent rejections
- Keep a good credit record by paying on time
Contact Details
If you need help or have questions, you can reach support easily. Visit the official card website for more details.
For calls inside Japan, contact 0570-010-989. For international calls, dial +81-3-5489-6165 (Monday to Friday, 9:00–17:00 Japan Standard Time).
Final Take: What You Should Know?
These cards offer a mix of everyday features and reliable service. Make sure you understand the steps to apply online and check if you meet the conditions.
Choose the type that fits your spending and lifestyle. Use this guide to learn how to apply online and what to expect after sending your application.
Disclaimer: Details in this guide may change at any time. Always refer to the official website for the most updated info and card terms.