The Loft Card Credit Card is made for daily savings and simple spending. It works with the JRE POINT system to give you extra value. This article explains the benefits, fees, and how to apply. You’ll also learn how to manage your account and get support.
What Is the Loft Card Credit Card?
The Loft Card is issued by View Card Co., Ltd., known for retail and rail-use cards. It works as both a credit card and Suica card, based on your selection.
You can track spending and use Suica auto-reload features online. It fits Loft shoppers and JRE POINT users well.
The card suits those who want simple, flexible functions. It also allows easy management of transport and purchases.
Key Benefits of the Loft Card Credit Card
This card gives you daily spending power and rewards. You benefit more when you shop at Loft or use JRE services often.
Loft Store Rewards
Use your Loft Card at Loft stores for seasonal discounts or special deals. Some campaigns offer bonus points or limited-time coupons.
These offers change, so check the app or site often. Loft members may access early sales or events.
You can link spending to your JRE POINT account. This boosts rewards when shopping regularly.
JRE POINT Integration
The card connects with the JRE POINT system, which earns points at stores and stations. You get points for buying at JR East stores and partners.
Points can be used for fares, items, or coupons. Redeem and track them using the app easily. It adds value to your daily spending. Points save you real money if used smartly.
Everyday Use Perks
It supports Apple Pay, Google Pay, and other mobile payment tools. Most stores in Japan accept Visa or JCB cards. You can link it to IC fare cards for commuting.
The combo of rewards and functionality makes it useful. Purchase protection is included for some items. These perks suit anyone with daily card needs.
Other Card Features
This card includes extra tools that support more flexible and efficient financial management. Below are the additional features available:
- You can apply for an ETC card to handle toll payments when driving on expressways.
- All charges are consolidated into your main billing cycle, simplifying monthly payments.
- Access to an online portal lets you track transactions and usage in real time.
- You can set usage alerts and spending limits to maintain control over expenses.
- The card allows automatic bill payments for utilities like water, gas, and phone.
- These features are designed for users who prefer simple and streamlined control over their card activity.
Fees, Rates, and Limits
Learn the key costs so you can budget smartly. This covers yearly fees and credit charges.
Annual Fees
The annual fee is about 500 yen, and may be free for year one. You might skip the fee with enough yearly spending. ETC and family cards cost extra.
Some campaigns waive fees longer. Check current offers before you apply. These savings can cut your cost.
Interest Rates and Charges
The purchase interest is around 15.00% yearly, typical in Japan. Cash advances charge about 18.00% annually. Installments cost 12%–15% based on the plan.
Revolving credit uses similar rates monthly. Late fees apply if you miss payments. Review terms before using these features.
Eligibility Requirements
Before applying, make sure you meet the basic conditions required by the card issuer. Below are the main requirements:
- You must live in Japan with a local address.
- You need to be at least 18 years old and not a high school student.
- A steady income or reliable financial source is required.
- A valid form of ID is needed, such as a residence card or My Number card.
- You must provide a phone number and email address for verification.
- These are the standard steps required for most credit card applications in Japan. must live in Japan with a local address.
How to Apply for the Loft Card Credit Card?
Applying is easy and works online or in person. Here’s what to expect in each case.
Online Application Process
Applying online is fast and simple. Follow these steps to apply:
- Visit the Loft Card application website to begin your application and explore the card options available for selection.
- Choose the card version that suits you best, either with Suica for commuting or without Suica for regular shopping use.
- Fill out the form with your full name, current occupation, home address, and annual income details.
- Upload a clear copy of your residence card, My Number card, or other approved form of ID.
- Verify your contact details using your email address and mobile phone number as part of the application process.
- After submission, wait for email confirmation; approvals are usually sent out within a few business days.
In-Store Application Option
You can also apply at selected Loft stores. Here's how:
- Go to a Loft store that offers card services.
- Ask the staff for help with the application form.
- Prepare your ID, phone, and address.
- Fill out and submit the form and documents.
- Staff, send your info to the card issuer.
- If approved, your card is mailed to you.
Managing Your Loft Card Account
Once approved, manage your card online with View Net. You can check your balance and view point history. Alerts and limits can be set through the portal.
Use the app to stay updated while on the move. Auto-pay can be set up through your bank. These tools keep billing simple and clear.
Contact Information
The LOFT Credit Card is issued by Bread Financial, which is not based in Japan. For LOFT Mastercard® or LOFT World Mastercard®, call 1-866-886-1009.
For other LOFT card support, dial 1-866-907-5612. TTY/TDD users can call 1-800-695-1788 for help.
Disclaimers: Always check the latest card terms on the official site. Details and interest rates may change anytime without notice.
Final Thoughts: Is the Loft Card Right for You?
The Loft Card Credit Card is great for Loft shoppers and Suica users. It works well for daily spending and gives bonus points.
You can apply fast and may avoid the annual fee. If you want a card with real benefits, this is a good fit.
