Between app-based fintech startups, major banking giants, and loyalty-based cards from online retailers, there’s a solution for nearly every kind of spender.
Amid this competition, the Japan Post Visa Credit Card quietly serves a loyal customer base, offering trust, simplicity, and accessibility.
Look at the steps to apply for the Japan Post Visa Credit Card
A Legacy Brand Enters the Credit Card Space
The Japan Post Group is widely recognized for its postal services
Its financial branch—Japan Post Bank Co., Ltd.—is also one of the world’s largest banks by total assets.
The Japan Post Visa Credit Card represents the bank’s foray into modern credit services while maintaining its traditional service principles.
With a minimalist card design and a strong association with Japan Post’s branding, the card appeals especially to consumers who value reliability and local service.
Key Benefits and Features
Here’s what you get with the standard Japan Post Visa Credit Card:
- Annual Fee: ¥0 for basic cardholders
- Brand Network: Accepted globally via Visa network
- Reward Points: Earn JP Bank Points for every yen spent, redeemable at select merchants and Japan Post services
- Account Integration: Convenient syncing with Japan Post Bank savings account
- Security Features: EMV chip, SMS alerts, and two-factor authentication
- Support: In-person assistance is available at local Japan Post branches
The value proposition is clear: a no-fuss card designed for simplicity, stability, and ease of access.
Steps to Apply for the Japan Post Visa Credit Card
Applying for the JP BANK Visa Credit Card involves several clear steps.
Step 1 – Visit the Official Application Portal
Begin by accessing the credit card application page on the Japan Post Bank website.
Before filling in your details, you must configure several important settings:
- Standard Card – Regular Visa credit card with general features.
- Gold Card – Premium version with added benefits and insurance.
- Juvenile Card – Designed for applicants under 29.
Brand Selection: Visa is the default and only brand currently offered.
You may choose to link the credit card with your existing JP Bank ATM card, allowing one card for both banking and credit purposes.
Step 2 – Register
You must register a valid email address and create a secure password. These credentials are essential for managing your card online.
Carefully read and accept the user agreement and privacy policies to continue the application.
Step 3 – Enter Personal and Financial Information
Personal details: Name (kanji and katakana), date of birth, address, and phone number.
Employment info: Occupation, employer, length of employment, and annual income.
Bank details: Your Japan Post Bank account number and branch code are required.
Step 4 – Application Review and Credit Screening
Once submitted, your application undergoes credit screening.
The review usually takes 3 to 7 business days.
You may receive a follow-up email or phone call for additional verification.
Notifications are sent to your registered email address regarding the result.
Step 6 – Card Issuance and Delivery
If approved, your card is sent by post to your registered address.
Delivery takes approximately 1 to 2 weeks after approval.
Final Step – Register for Member Web Access
After receiving your card, it is essential to register for the:
JP BANK Card Member Exclusive Web Service
(JP Bank Card Web Service Registration)
Without this registration, you may not be able to use your card for online shopping or manage settings digitally.
This platform allows you to check transactions, redeem points, and monitor your billing history.
Interest Rates and Fees
While the card is affordable upfront, users should understand the applicable fees and interest rates:
- Standard Purchase Interest Rate: 15.0% per annum
- Cash Advance Interest Rate: 18.0% per annum
- Late Payment Fee: 20.0% (on unpaid balance)
- International Transaction Fee: 1.63% of total transaction amount
- Credit Limit: Determined at application; typically between ¥100,000 – ¥1,000,000
These rates place the card in line with industry norms in Japan.
However, compared to some newer digital-first cards, they may be slightly less competitive for heavy users or international travelers.
Competitive Comparison
Consider:
Japan Post Visa vs. Rakuten Card
Rakuten Card is one of the most popular in Japan, especially among online shoppers.
Its integration with the Rakuten ecosystem, including shopping, travel, and even mobile services, provides extensive value.
| Feature | Japan Post Visa | Rakuten Card |
|---|---|---|
| Annual Fee | ¥0 | ¥0 |
| Points per ¥100 spent | ~1 point | 1–3 points (variable) |
| Mobile App | Basic | Advanced, feature-rich |
| Best For | Traditional users | Online shoppers |
Verdict: Rakuten Card offers superior rewards and tech features, but Japan Post offers better offline support and institutional trust.
Japan Post Visa vs. MUFG Card
MUFG, part of the Mitsubishi UFJ Group, issues a range of credit cards including Platinum and Gold options for higher spenders and business users.
| Feature | Japan Post Visa | MUFG Card (Gold/Platinum) |
|---|---|---|
| Annual Fee | ¥0 | ¥1,905 – ¥10,000+ |
| Travel Insurance | Minimal | Included (global) |
| Concierge Services | None | Included |
| Global Airport Lounge | Not available | Available |
Verdict: MUFG is a better choice for international travelers and professionals, but requires higher income and credit scores.
Japan Post is easier to access for average consumers.
Pros and Cons of the Japan Post Visa Credit Card
Pros
- Accessibility: Easy approval for students, retirees, and part-time workers
- Reliability: Backed by a trusted, government-linked institution
- Physical Support: Ideal for customers who prefer in-person assistance
- Simple Structure: Clear fee system and straightforward rewards
Cons
- Limited Rewards Flexibility: Points can only be redeemed within a restricted network
- Dated App Experience: Lacks the advanced features of newer fintech cards
- International Travel Perks: Few travel-related protections or bonuses
- Low Appeal for Power Users: Not designed for high spenders or points-maximizers
Contact Information and Support
For customers or applicants looking to inquire about the Japan Post Visa Credit Card:
Issuer: Japan Post Bank Co., Ltd. Financial Services Division 1-3-2 Kasumigaseki, Chiyoda-ku, Tokyo 100-8793, Japan
Customer Support (Japan): 0120-108-420 (Toll-Free) Hours: Mon–Fri, 9:00 AM – 5:00 PM (excluding holidays)
Who Should Choose This Card?
You may find the apply for the Japan Post Visa Credit Card a great match if:
- You’re new to credit cards and prefer starting with a no-annual-fee option
- You already have a Japan Post Bank account
- You live in a rural area with easy access to Japan Post branches
- You value in-person service and brand trust over mobile convenience
- You rarely travel abroad and spend primarily within Japan
Final Thoughts
Apply for the Japan Post Visa Credit Card to gain accessibility, transparency, and legacy trust over aggressive rewards or flashy digital features.
In comparison to Rakuten, MUFG, or PayPay cards, Japan Post’s offering may seem modest.
But for a large portion of the population, particularly seniors, first-time users, and traditionalists, it may be the ideal choice.
Disclaimer: This article is intended for informational purposes only and does not constitute financial advice. Interest rates and card features are subject to change and may vary based on user eligibility or creditworthiness. Please consult with Japan Post Bank Co., Ltd. or visit the official website for the most up-to-date terms and conditions before applying.