The PRESTIA Credit Card from SMBC Trust Bank offers premium benefits with a global reach. Whether you're interested in travel perks or everyday rewards, this card is worth exploring.
This guide explains how to apply online and what you need to qualify. It also includes card types, fees, features, and important disclaimers.
What Is the PRESTIA Credit Card?
The PRESTIA Visa Credit Card comes in two versions: Gold and Platinum. Both offer V Point rewards, travel insurance, and lifestyle perks.
SMBC Trust Bank supports the product, but an external company issues the card. You must be 25 or older and have a PRESTIA account to apply.
The Gold card is easier to get and costs less. The Platinum version includes more benefits and higher usage limits.
Card Types and Key Differences
Both cards offer core benefits, but key differences exist in rewards, limits, and fees. You need to understand these to choose the right one.
The Gold card has more flexible access. The Platinum card is more exclusive but requires higher qualification.
PRESTIA Visa Gold Card
Here’s a quick look at each card’s core specs to help you decide. The details below outline the annual fee, insurance, and rewards.
- Annual fee: 11,000 yen (tax included) after first free year
- Family card fee: Free for the 1st user, 1,100 yen for 2nd
- Travel insurance: Up to 50 million yen coverage
- Credit limit: Between 500,000 to 2,000,000 yen
- Point rate: 1 point for every 200 yen spent
PRESTIA Visa Platinum Card
This version is built for users with higher spending needs and expectations. The breakdown below outlines its fees, coverage, and point rewards.
- Annual fee: 38,500 yen (tax included) after first free year
- Family card fee: Free for all users
- Travel insurance: Up to 100 million yen coverage
- Credit limit: Starts at 3 million yen
- Point rate: 1 point per 100 yen spent (as of April 2024)
Benefits of Having a PRESTIA Credit Card
Both cards come with practical features for travelers and shoppers. You’ll also gain flexibility for domestic and global use. These perks can reduce your out-of-pocket expenses. Here’s what you can expect.
Free Airport Lounge Access
You can access lounges at major domestic airports for free. This gives you a quiet and relaxed waiting area.
Lounge access is available regardless of your ticket class. It’s a key benefit for frequent travelers.
No Monthly Account Maintenance Fee
If you own a PRESTIA Visa Gold or Platinum card, the monthly fee of 2,200 yen is waived. To stay eligible, you must keep the credit card active.
This benefit does not apply if the card is canceled. Family members are not covered under this exemption.
Shopping Protection and Insurance
You get damage and theft protection for 200 days on purchased goods. The card also covers overseas and domestic travel accidents.
Insurance varies depending on your card tier. It activates only when using the card for travel bookings.
V Points Rewards System
V Points let you earn back on daily expenses and banking activities. You’ll gain more with Platinum, but both options reward steady spending. There are also additional ways to boost your point balance.
Earning V Points on Purchases
Points are earned based on your spending volume. With the Gold card, it’s 1 point for every 200 yen. With the Platinum card, it’s 1 point for every 100 yen starting April 2024. Points are added monthly.
Bonus Points for Financial Products
You earn V Points on investment trust purchases, premium deposits, and foreign currency deposits. These bonus-earning activities must be linked to SMBC Trust Bank. Exchange transactions and remittances are not eligible. You can check the bank site for a full list of conditions.
Eligibility Requirements
Not everyone can apply for a PRESTIA Credit Card. Age and account type determine your eligibility. Platinum card applications are more restricted. Gold card access is more flexible.
Gold Card Eligibility
You must be 25 years or older to apply. You must also hold an SMBC Trust Bank PRESTIA account. Applications are done online through the PRESTIA website. Approval is not guaranteed.
Platinum Card Eligibility
You must be 25 or older with a PRESTIA GOLD or GOLD PREMIUM membership. Platinum cardholders are subject to stricter screening. You must request a membership application. The process may take longer than the Gold card.
How to Apply Online?
Applying online is simple if you meet the requirements. You’ll need to prepare personal information and identification. Here’s how to start the application process for both cards.
Applying for the Gold Card
Go to the SMBC Trust Bank PRESTIA website and select the Gold card. Click "Apply Online" to open the form.
Provide your basic info, income, and account number. Submit your application and wait for the result.
Applying for the Platinum Card
Platinum applications are not directly online. You must click "Request a Membership Application".
The card issuer will contact you and assess eligibility. You may need to provide additional documents.
Approval and Screening Notice
The application screening is done by the card issuer, not the bank. If you’re declined, SMBC Trust Bank will not be able to assist.
Approval depends on income, credit usage, and other private criteria. Results are final and cannot be appealed.
Fees and Credit Limits
Understanding the cost is critical before applying. You must review the annual fees and know how much credit you can access. Here’s the breakdown of both cards.
Gold Card Fees and Limits
Below is a breakdown of the fees and credit limits for the PRESTIA Visa Gold Card. These details will help you understand the cost and benefits before applying.
- Annual fee: Free for the 1st year, then 11,000 yen
- Family card: Free for 1st person, 1,100 yen for 2nd
- Credit limit: From 500,000 to 2,000,000 yen
- Travel insurance: Up to 50 million yen
Platinum Card Fees and Limits
Here’s a summary of the fees and limits specific to the Platinum version. These figures will help you determine if the added benefits justify the cost.
- Annual fee: Free for the 1st year, then 38,500 yen
- Family card: Free for all users
- Credit limit: From 3 million yen
- Travel insurance: Up to 100 million yen
Interest Rates and Repayment Terms
Interest rates are not clearly listed online. Rates vary depending on card type, credit limit, and repayment method. The card issuer defines the terms upon approval.
You can choose from revolving or installment payments. You must review your monthly statement for the interest rate.
Revolving payments allow for lower monthly amounts with higher interest. Installment plans may have fixed terms.
Contact and Support
Need help with your application? Visit the official SMBC Trust Bank PRESTIA website. For card questions, call the number listed on the application page.
You may also visit a branch for in-person assistance. All contact information is found on their official platform.
Final Thoughts: Choose the Right Card for Your Lifestyle
The PRESTIA Visa Credit Card is a reliable choice for high-value users. The Platinum card gives better returns if you travel often or invest regularly.
For lighter spenders, the Gold card offers great value with lower fees. Always review the fine print before applying online.
Disclaimers: You must agree to the conditions before applying. Some benefits are conditional. You may lose privileges if you cancel your account.
