If you fly with Japan Airlines, getting a JAL Credit Card can make your travel cheaper and more rewarding. This article will guide you step-by-step through the process of choosing and applying for a card.
You’ll also understand how each card works, how to use the miles, and what fees to expect. By the end, you’ll know exactly which card is best for you.
About Japan Airlines - JAL
Japan Airlines (JAL) is one of the largest and oldest airlines in Asia. It offers both domestic and international flights to major destinations worldwide.
It is known for its excellent service, punctuality, and customer care. The airline operates several loyalty programs, including the JAL Mileage Bank.
It partners with global airlines under the oneworld alliance. JAL also issues branded credit cards to help passengers earn miles and enjoy exclusive perks.
Types of JAL Credit Cards
JAL offers different cards for different needs. Each one has unique features, eligibility, and reward options.
JAL Mileage Bank Card - JMB Card
This is the standard JAL membership card with basic features. It’s free and offers mileage-earning and electronic payment.
- No annual fee, making it a good starter option.
- Has a mileage function that lets you earn miles on JAL flights.
- Includes JAL Touch & Go Service for fast airport check-in.
- Supports WAON electronic money for everyday purchases.
- Available to residents in Japan with no credit requirement.
JALCARD
This is a JMB Card combined with credit card functions. You earn bonus miles and shopping points.
- Offers credit card features for daily use and travel.
- You get bonus miles when signing up and renewing yearly.
- Offers shopping mileage from purchases at partner stores.
- Comes in different types: Regular, Club-A, and Gold.
- Annual fees range from 2,200 to 11,000 yen, depending on the card type.
JAL Mileage Bank Partner Card
This is a co-branded card with stores like AEON, Lawson, and Saison. It combines JAL features with partner perks.
- Has mileage, credit, and shopping functions.
- Partner services vary depending on the card.
- Includes Touch & Go Service for quick check-ins.
- Not all features are available on every partner card.
- Card application may require Japanese language proficiency.
JTB TABI CARD JMB
This card targets travelers booking JTB packages. It adds travel insurance and bonus points.
- Earn up to 1.5% in JTB Travel Points per purchase.
- Use it to earn e JAL points in addition to miles.
- Includes roadside assistance and illness insurance.
- Requires a valid Japanese address and proof of ID.
- Website and application are only in Japanese.
JTB Travel Point JMB Card
This card is discontinued for new applicants. But existing users still get benefits.
- Still allows JAL mileage earnings for JTB tours.
- Continue using JTB Points at partner locations.
- All current members can use their cards beyond April 1, 2025.
- Website access and service remain active.
- No new registrations are accepted since March 31, 2025.
Key Benefits of JAL Credit Cards
These cards go beyond flights. You get shopping rewards, access perks, and other travel benefits.
Earn Miles from Flights and Shopping
Using your card daily helps you collect more points. Flights and shopping both count.
- Flights with JAL and partners earn mileage automatically.
- Example: Tokyo to Paris round-trip earns 12,388 miles.
- Shopping at Amazon, Uniqlo, Belle Maison, and others also gives miles.
- Use WAON e-money at Lawson, Aeon, FamilyMart, and McDonald’s.
- Show your card in-store or shop online for mileage.
Redeem Your Miles Easily
Miles can be turned into rewards. You can get tickets, upgrades, and more.
- Use 4,000 miles for domestic award tickets (one-way).
- Use 7,500 miles for international one-way tickets.
- Upgrade your seat using miles for added comfort.
- Combine e JAL points with miles for more options.
- Redeem online through your JMB member account.
Extra Perks for Members
There are more reasons to get the card. Members receive exclusive access and tools.
- Join members-only promotions for discounts and early access.
- Use Touch & Go to skip long airport queues.
- Get bonus miles every year as a loyalty reward.
- Some cards offer free travel insurance for emergencies.
- Mileage tracking and redemption are easier through the app.
How to Request a JAL Credit Card?
Applying is simple if you follow the steps. Make sure to choose the right card first.
Choose Your Preferred Card Type
There are different options for different users. Check the features before applying.
- If you only want to earn miles, start with the JMB Card.
- If you want credit and more rewards, go for a JALCARD.
- If you shop at partner stores, the Partner Card gives better benefits.
- Choose the card based on your lifestyle and income level.
- Make sure the application form supports your language and residency status.
Follow the Online Application Process
Once you pick your card, apply online. The process is fast.
- Go to the JALCARD website and click "Apply".
- Fill in personal details like name, address, and phone.
- Upload documents (ID, proof of income, residence card if non-Japanese).
- Wait for credit screening to finish.
- Get your result by email or postal mail in a few days.
Interest Rates and Annual Fees
JAL Credit Cards have different costs depending on the type you select. The basic JMB Card has no annual fee, which makes it a cost-free entry option.
This card has yearly fees between 2,200 and 11,000 yen, depending on the level. Interest rates for credit card payments are usually between 15% and 18% APR.
If you use cash advances, expect extra fees that vary by issuer. Partner cards may also include additional service charges not shown upfront.
Support and Contact Information
If you have any issues or questions, it's easy to get support. Most services are available through the JALCARD official website.
You can also find a dedicated help page with contact numbers and instructions. The main office is located in Tokyo, and business hours may differ by region.
Phone support is usually offered in Japanese, so prepare to get assistance in that language. Always refer to the official JALCARD site for the latest contact options and service updates.
Final Thoughts: Should You Apply for a JAL Credit Card?
A JAL Credit Card is worth it if you travel often and want to earn miles quickly. You can get free flights, upgrades, and special perks just by using your card.
The application process is easy, but you should read the terms before applying. Choose the card that fits your spending habits and travel style.
Disclaimers: Card approval depends on your credit history and other factors. Terms, conditions, and services may change without warning or be limited to Japanese users.
