The au PAY Card Credit Card is a smart option if you want to earn rewards while managing your daily spending. This article shows you how to apply, what to expect, and how to use it.
You'll learn about earning Ponta points, redeeming them, and using the card effectively. It’s simple, straightforward, and designed to help you make a decision quickly.
Overview of au PAY Card Credit Card
The au PAY Card is a no-annual-fee credit card that lets you earn Ponta points on everyday spending.
You get 1 point per 100 yen spent, with bonus options through utility payments and monthly service use. It works both online and in physical stores, including au PAY Market and major retailers.
You can apply online, and approval is quick if you meet the basic requirements. Points are easy to redeem at checkout, with each point equal to 1 yen.
Key Benefits of the au PAY Card
This section explains what you get when you use the card. Each feature helps you earn points simply and directly.
Earn Points on Every Purchase
You can collect points every time you use the card. Here’s how the system works:
- 1 point for every 100 yen you spend (tax included).
- Use it at convenience stores, supermarkets, and more.
- Get more points if you upgrade to a gold card.
Earn Points on Utility Payments
You can earn rewards without changing your usual payments. Just update how you pay bills.
- Earn points by paying utility bills and subscriptions.
- No new habits — just use this card as your payment method.
Use the App to Track Everything
The app helps you stay on top of your spending and points. It’s useful for everyday tracking.
- Check your spending in real-time using the au PAY app.
- See how many points you've earned and where you got them.
Where and How You Can Use the au PAY Card?
This part shows you where the card works and how flexible it is. You can use it in stores, online, and even if you're not an AU customer.
Physical and Online Shopping
You can shop with this card in many everyday places. Here’s how it works:
- Use it in au PAY Market, convenience stores, and other shops.
- Works for both in-store and online payments.
Earn Even If You're Not an au User
You don’t need an au account to use the card or earn points. Here's what you can do:
- Non-au users can still earn points with the card.
- You can shop on au PAY Market and still get rewards.
How to Apply for the au PAY Card?
This part shows you how to get the card. You’ll learn what you need and how to get started.
Eligibility Requirements
To apply, you must meet a few basic conditions. These are standard for most credit cards in Japan.
- You must be a resident of Japan and have a good credit record.
- Your age, income, and payment history will be reviewed.
- Internet access and a smartphone help with the online process.
- You’ll need these to complete and track your application.
Application Process
Applying is done online and takes only a few steps. It’s simple if you prepare your details.
- Go to the official au PAY card website to begin.
- You’ll need to submit personal information, ID, and proof of income.
- The company will review your details to check if you qualify.
- Approval time is fast for applicants who meet the requirements.
Additional Ways to Earn Points
You can boost your rewards with extra features. These options are easy to use and don’t require spending more.
Monthly Usage Bonus
You can get more points by using other services linked to your account. The more you use, the more you earn.
- If you pay 1,100 yen or more in service fees, you get extra Ponta points.
- This bonus is tied to your monthly service usage.
- It adds up over time if you use au services regularly.
- Just keep your account active and monitor usage through the app.
Free Point Activities
You don’t always have to spend money to earn. The platform gives you small tasks for free points.
- You can complete simple surveys or play mini-games to collect rewards.
- These are available through the au PAY app or website.
- It’s an easy way to keep points coming in.
- No cost, just your time and attention.
How to Redeem Your Ponta Points?
This section explains how to use the points you’ve earned. The process is fast, clear, and available in many locations.
1 Yen Per Point Value
You don’t need to convert or calculate. Each point has a simple, fixed value.
- 1 point = 1 yen, and it can be used at checkout.
- No need to collect a minimum amount to start using them.
- Points apply automatically when you choose them during payment.
- This makes your purchases cheaper and hassle-free.
Compatible Shops and Services
Your points can be used in multiple ways. You’re not limited to just one store.
- Spend them in the au PAY Market, convenience stores, and select partners.
- Some stores let you use points for in-store or online purchases.
- In certain cases, points may also cover utility bills or mobile fees.
- You can check accepted locations through the au PAY app or website.
Contact Information
For questions or assistance, you can call 0120-959-472 (English support, toll-free). This number connects you directly to the support team for card-related inquiries. Service is available during business hours, so check ahead before calling.
The official address of AU Financial Service Corporation is 2-3-1, Nishishimbashi Mark Light Toranomon 13F, Minato-ku, Tokyo 105-0003, Japan. You can also visit their official website for more details or updates.
Disclaimer. Card features, terms, and point systems may change without prior notice. Always check the official au PAY website for the latest information before applying.
Final Summary and Key Takeaways
The au PAY Card Credit Card is a simple way to earn Ponta points while managing your everyday expenses. You can use it in stores, online, and even for bill payments.
Applying is fast, and redeeming points is just as easy. If you want a card with no annual fee and clear rewards, this is a solid choice.
