The Sumitomo credit card is a practical option for students, workers, and residents of Japan. It offers a simple online application, no annual fees, and substantial everyday benefits.
This guide explains how to apply and what to expect. Before getting started, you’ll also learn key features, tips, and important details.
What Is This Card About?
This card is issued by one of Japan’s major financial companies. It works well for daily spending, online shopping, and travel.
It’s built for students, workers, and residents in Japan. The card has no visible number, supports app control, and works with digital payments.
It’s widely accepted in Japan and abroad. This section gives you a quick idea of what to expect.
Key Features of the SMBC Card
You won’t pay any membership or yearly fees. The card stays free forever, no matter how much you spend. This helps avoid long-term costs. It’s a fixed benefit for all users.
Numberless Design for Added Security
The card shows no number, name, or expiry on the front. These details are only visible in the app.
It keeps your info safe if the card is lost. This makes in-store use more secure.
Contactless Payment Supported
You can tap your phone or card to pay quickly. No PIN is needed for small payments. Works with Apple Pay, Google Pay, and iD. It’s fast and easy to use.
Easy Tracking and Management via the App
The app shows your balance, transactions, and points. You can lock and unlock your card anytime. Settings are fully managed in the app. Alerts and limits can be customized.
Points and Rewards System
This section covers how you earn points and where to use them.
Up to 7% Return at Stores and Restaurants
Use smartphone tap payments to earn up to 7% back. Only listed stores and restaurants are included.
Using a swipe or a chip won’t qualify for this rate. Check the app for an updated list.
Eligible Stores
Places like 7-Eleven, Lawson, Mini Stop, McDonald’s, KFC, Mos Burger, Yoshinoya, Saizeriya, and others are part of the program.
These are common in Japan. Pay using your phone for rewards. Some locations may not qualify.
0.5% from the Seven Mile Program
Open the 7-Eleven app and scan your barcode before payment. You earn 0.5% extra in Seven Miles. These can be used or exchanged later. Must scan before tapping to pay.
9.5% from Smartphone Touch Payment
Pay with your phone using the SMBC Card (NL or Olive). This adds 9.5% in V Points. Combined with the app barcode, you get up to 10% total. Must use tap, not swipe.
Points Convert to V Points
All earned points go into your V Point account. You can use them for shopping or gift card exchanges. The system is simple and flexible. No extra steps needed.
Students Can Get Bonus Points
If you’re a student, you may receive extra point offers. Declare your status during signup. Promotions often target student users. Check app messages or campaigns.
Travel and Insurance Benefits
You get free travel insurance when using this card abroad. Covers accidents and emergencies. Maximum coverage is ¥20 million. Applies automatically.
Coverage Includes Medical and Travel Incidents
It covers injuries, hospital visits, flight issues, and lost items. You don’t need extra steps to enroll. Terms may depend on the type of travel. Check the app for details.
No Separate Application Needed
Once the card is active, insurance is automatic. You just need to use the card for travel booking. No other forms required. All policy details are in your account.
Application Requirements
Here’s what you must meet before applying:
- 18 years old or older (parental consent if under 20)
- Living in Japan with a valid local address
- Must have a stable income or be a student
- Should have a clean credit history
How to Apply Online – Step-By-Step
Here’s how you apply online through the official card site.
- Visit the official Sumitomo Mitsui Card website
- Select the “NL Card” from the options
- Create an account or log in if you have one
- Fill in your personal, income, and address details
- Upload documents like your residence card or proof of income
- Submit the form
- Wait for a response by email or post (usually 1–2 weeks)
Tips to Get Approved
You need to follow a few basic rules to improve your approval chances. These tips help avoid delays or rejections.
Prepare Documents Before Starting
Have your ID, residence card, and proof of income ready. If you’re a student, include your school ID.
This helps you complete the form quickly. Missing files can delay your application.
Use Your Real and Current Information
Only enter accurate and updated details. Double-check your name, address, and job info.
Errors or mismatches can lead to automatic rejection. Be honest with your profile.
Apply During Business Hours for Faster Review
Submitting during weekday working hours helps speed up the check. Staff may review your data in real time.
Applications sent at night or on holidays may take longer. Try to apply between 9 AM to 5 PM.
Don’t Apply for Multiple Cards at Once
If you apply for many cards at once, it lowers trust with banks. It may seem like a financial risk. Wait a few weeks before trying again. Keep your focus on one card at a time.
Maintain Clean Credit Behavior Before and After Application
Don’t miss bill payments or loans before applying. Keep your credit history stable and positive. After approval, avoid late payments. This keeps your score healthy.
Fees and Interest Rates
These are the main charges you need to know. Rates can change, so always check the latest info.
Annual Fee
There are no yearly or signup fees. The card stays completely free, even if unused. You won’t be charged hidden fees. This applies as long as the card is active.
APR – Purchase
The purchase interest rate depends on how you use the card. Paying in full avoids any APR.
If you carry a balance, expect 15% to 18% charges. It’s applied monthly if unpaid.
Cash Advance APR
Taking cash from an ATM adds a fixed 18% rate. This is higher than purchases. Use it only in emergencies. Interest starts from the day you withdraw.
Late Payment Penalty
If you miss a due date, you may be charged up to 20% in penalty. This applies on the outstanding amount. It can hurt your credit score. Always pay on time.
Foreign Transaction Fee
You’ll pay around a 2.2% fee for overseas spending. This includes both currency conversion and service fees.
It’s automatically applied to all foreign purchases. Check statements for the breakdown.
Customer Support and Contact Info
You can reach support if you have issues or questions. Use these details to contact the bank directly.
The bank’s number is +81-3-3282-8111. You can also visit the main branch at 1-1-2 Marunouchi, Chiyoda-ku, Tokyo, Japan.
Most services are in Japanese, so be ready to ask for help if needed. Online support is also available via the official website.
Final Words: Learn How to Apply
The steps to learn how to apply are simple, but accuracy matters. Make sure you meet the requirements and follow the process.
Using the correct documents and timing improves your chances. This guide gives you what you need to move forward with confidence.
Disclaimer: Rates and benefits may change without notice. Always check the official site before applying.