The Mizuho Mileage Club Credit Card offers a unique combination of ANA mileage rewards and convenient banking features. It is ideal for earning miles while managing your finances with a trusted provider.
You get the benefits of a cash card and a credit card all in one. Here’s everything you need to know about the features, fees, application process, and more.
Overview of the Mizuho Mileage Club Credit Card
This card combines mileage rewards and banking tools into one product. You can use it as a credit card, cash card, and for ATM access with your bank account.
It supports Visa or Mastercard, and works with contactless payments. You can earn ANA mileage points while managing regular finances.
The ANA version offers better redemption rates for those converting points into miles. It’s a smart pick if you fly with ANA and already have a Japanese bank account.
Key Benefits
The Mizuho Mileage Club Credit Card gives you real value. These benefits make the card practical for frequent flyers and daily users.
Earn and Redeem ANA Miles
You can convert your Permanent Points into ANA Mileage Club miles. This is ideal if you often book ANA flights or services.
The exchange rates are better than standard cards. It's a convenient way to make your spending pay off through ANA miles.
Multiple Functions in One Card
This is a hybrid card that acts as a cash card, credit card, and ATM card. It simplifies your wallet and streamlines usage.
Contactless payments are supported, making it efficient for quick purchases. ATM transactions are often free at supported ATMs.
No Annual Fee Option
Some versions, like the THE POINT card, have no annual fees. You still get 1% point return, touch payments, and all main features.
It’s perfect if you want to avoid yearly costs. Despite being free, the benefits are competitive.
Card Lineup and Variants
You can choose from different Mileage Club cards. Each has its own features to match your needs.
- THE POINT (Mastercard or Visa): Offers 1% point return, touchless payments, and no annual fee.
- ANA UC Mastercard: Adds ANA Mileage Club benefits and preferred redemption rates.
- Saison Card: Issued by Credit Saison, includes unique benefits for frequent spenders.
These variants support credit payments, point accumulation, and cash access. All cards integrate with common banking services.
Fees and Charges
Understanding the fees helps you manage your finances better. Here’s a summary of the possible charges.
- Annual Fee: Starts at ¥0 for THE POINT; other cards may have fees.
- Interest Rate: Around 15% APR for purchases, depending on issuer terms.
- Late Payment Fees: Apply if you delay payments.
- ATM Fees: Often free at in-network ATMs but may apply elsewhere.
- Foreign Transaction Fees: Some cards may include these on overseas purchases.
Always read the latest fee details on the card issuer’s website.
How Point Redemption Works?
Using points wisely boosts the value of your spending. Here’s how redemption works with the Mileage Club Credit Card.
- You earn Permanent Points for eligible transactions.
- These can be converted to ANA Mileage Club miles.
- Redemptions must be done via the official site (Japanese only).
- Points may also be used for travel, shopping, or other rewards.
- Better redemption rates apply when using this specific card.
Application Process
You can apply for the card online or in person. Make sure to have all required documents ready before starting.
- Visit the issuer's website or go to a local branch to apply.
- Prepare photo ID, residence status, and proof of income.
- Approval depends on credit screening and personal information review.
- Non-Japanese applicants must have valid residence status and a government-issued ID.
You can also apply for club membership at the same time if you’re not yet enrolled.
Tips for a Smooth Application
Follow these suggestions to make sure your application goes through without problems. These tips can help avoid delays and improve your chances of approval.
- Double-check your residence card or ID for expiration before submitting.
- Use a stable email and phone number so you can receive updates easily.
- Ensure your bank statements or payslips are recent and readable.
- Apply during business hours if you want faster confirmation.
- Translate any required documents into Japanese if they’re in another language.
- Avoid applying for other credit products right before submitting your application.
Using the Card Abroad
The card works internationally if it's issued as a Visa or Mastercard. Be aware that foreign transaction fees may apply depending on the card version.
Notify the bank before traveling to avoid blocked transactions. You can use it for ATM withdrawals abroad, but additional fees might occur.
Always choose local currency when given the option to avoid conversion charges. This makes the card convenient for both domestic and international spending.
Managing Your Account Online
It provides an online portal for managing your card. You can check balances, track points, and view transactions.
Most services are available in Japanese, so you might need help if you’re not fluent. It's best to bookmark the card login page for quick access.
Activate email alerts for payment reminders or large purchases. This helps you stay on top of your account activity.
Who Should Consider This Card?
This card is ideal if you fly with ANA, use Japanese banking services, or want a multi-function card. It’s good for people who don’t want to carry separate bank and credit cards.
If you value point rewards or are looking for a no-annual-fee card, it’s a strong candidate. Students or new residents may prefer other entry-level cards.
However, if you qualify, this one offers long-term value. It’s also useful if you want one card for travel and everyday use.
Contact and Support Information
If you have questions, the issuer offers multiple ways to reach out. Support is available by phone for both local and overseas customers. Call 0120-1-32402 in Japan.
From overseas, dial 03-6743-7777 with the same prompt sequence. Charges may apply for international calls. Visit the official website for updated information and full support details.
Final Thoughts: Should You Get the Mizuho Mileage Club Credit Card?
This card is worth it if you want a single solution for banking and earning travel rewards. The mix of no-fee options, ANA miles, and strong features makes it flexible. You get essential financial tools with simple access. Apply if you want a card that covers daily use and travel needs without extra hassle.
Disclaimers: Approval depends on your credit history and financial situation. Features and terms may change, and most services are in Japanese only.
