Below is a comprehensive article about how to apply for the Mitsubishi UFJ Nikos VIASO Card.
What is the VIASO Card?
The VIASO Card is a no-annual-fee credit card offered by Mitsubishi UFJ Nikos.
Designed for everyday cashless convenience, it comes packed with automatic cashback, flexible payment options, and practical features.
Key Benefits
Unlike many credit cards, the VIASO Card is free for life, with no annual charges, making it ideal even for occasional users.
Automatic Cashback
Upon enrolling in the online membership service, spending over ¥150,000 within 3 months earns ¥8,000 cashback.
Add on the “Raku Pay” (楽Pay) service and spend the same amount to gain an extra ¥2,000.
In total, you could receive ¥10,000 cashback if conditions are met within the first 3 months.
Flexible Repayment Options
The VIASO Card supports a variety of payment methods: 1‑time payment (interest-free) and 2‑time installment (interest-free)
Installment payments: 3, 5, 6, 10, 12, 15, 18, 20, or 24 monthly terms (interest applies)
Revolving (Raku Pay): Registered card automatically switches to revolving payment; interest applies only on exceeded balances.
Shopping Insurance
By using Raku Pay, you also receive the “Shopping Partner Insurance”.
It covers items purchased with the card for 90 days against theft or accidental damage (up to ¥1,000,000 annual limit).
Interest Rates & Fees
Interest (effective annual rate) varies by term:
| Term | Rate (Annual %) | Fee per ¥100 |
|---|---|---|
| 3 months | 14.75% | ¥2.46 |
| 5 months | 16.25% | ¥4.10 |
| 6 months | 16.75% | ¥4.92 |
| 10 months | 17.50% | ¥8.20 |
| 12 months | 17.75% | ¥9.84 |
| 15 months | 18.00% | ¥12.30 |
| 18 months | 18.00% | ¥14.76 |
| 20 months | 18.00% | ¥16.40 |
| 24 months | 18.00% | ¥19.68 |
Revolving Payment (Raku Pay)
If the monthly revolving payment and interest exceed the set amount, the remainder is carried over. The revolving interest rate is 18.00% annually.
Cash Advances (Cashing)
Annual effective rate: 14.94%–17.94% depending on credit grade.
Cash advances also come with ATM usage fees: typically ¥110 for ≤¥10,000 and ¥220 for ≥¥20,000.
Delinquency charges: 20.00% annually, prorated.
Manage Payments & Interest
For installment plans, you can use MUFG’s online simulator to estimate monthly payments and interest based on the amount and term.
With Raku Pay, any usage beyond your set amount automatically becomes revolving, incurring interest.
You can make extra repayments at any time via bank transfer or ATM to reduce the interest.
Cash advances can be converted from a lump sum to a card loan via the “あとdeカードローン” service, clarifying repayment conditions.
Contact Information & Address
For inquiries, card applications, or support:
- Phone: 0570-025405 (Navi-dial, automated) – 24/7 03-5940-1100 (push-tone line) – 9 AM–5 PM (no holidays)
- Corporate Address: Mitsubishi UFJ Nikos Co., Ltd. 2‑7‑3 Kanda Nishikichō, Chiyoda‑ku, Tokyo 101‑0054, Japan.
Apply for the Mitsubishi UFJ Nikos VIASO Card (Online)
To apply for the Mitsubishi UFJ Nikos VIASO Card, follow these steps:
Step 1: Visit the Official VIASO Card Page
Go to the official MUFG Nicos VIASO card site and click 「お申し込み(オンライン入会)」
Step 2: Agree to Terms & Paperless Statements
Accept membership terms.
Agree to WEB明細登録 (e-statements; mandatory for online apps; for paper, call 0120‑816‑252) .
Step 3: Fill in Personal Information
Accurately input: name, birthdate, address, phone (mobile acceptable), family status, and do not falsify debt info .
Step 4: Employment, Income, Loan Details
Input employer data: company name, capital, job type, years employed, annual income, and existing loans.
Optionally, choose to apply for an ETC card or family card now.
Step 5: Select Bank Account Option
For online auto-debit, select your bank; if not listed, MUFG Nicos will mail the necessary forms.
Submit banking details directly if your bank supports e-registration.
Step 6: Review & Submit
Check all entries carefully, especially financial info. Then submit the application
Step 7: Confirmation Email & Review
You’ll receive an email confirming submission. MUFG Nicos initiates background and credit checks.
Step 8: Approval & Card Delivery
Approval is often within a few business days.
The card is mailed—typically arrives within 3–7 business days after approval.
Step 9: Activate and Use
Follow the enclosed activation steps (usually phone or online).
Start using it for purchases, travel insurance, etc.
Application Tips
If you want to apply for the Mitsubishi UFJ Nikos VIASO Card, consider:
- Stick to interest-free options when possible: Use 1‑time, 2‑time, or bonus payments to avoid interest.
- Plan revolving usage: Set a monthly repayment high to minimize carried-over balances.
- Use simulations: Estimate fees and interest before choosing installment periods.
- Keep track via app: Download the MUFG Card App (IOS/Android) to monitor balances, due dates, and points.
- Cash advances have costs: While easy, they incur interest and ATM fees—use sparingly.
MUFG Card Comparison
Here’s a comparison of the VIASO Card with two other popular MUFG (Mitsubishi UFJ Nicos) cards.
| Feature | VIASO Card | MUFG Platinum AMEX® | MUFG General Card (Visa/Master/JCB) |
|---|---|---|---|
| Annual Fee | ¥0 for life | ¥22,000 + tax (~¥24,200) | ¥1,375 + tax (¥1,500); may be waived on certain conditions |
| Base Rewards | 0.5% cashback (5 pt/¥1,000) | Up to 19% (campaign; typically 1–1.5% base) | 0.5–1% (1 pt/¥1,000); varies by brand and offers |
| Bonus Points / Cashback | Double points at ETC, telecom & internet; partner e‑shops | AMEX perks: lounge access, concierge, golf booking, Priority Pass | Dual-style bonus (if paired with AMEX): 3× points first 3 months |
| Travel Insurance | Up to ¥20M (overseas) when travel expenses paid | Comprehensive travel insurance and Platinum-grade benefits | Basic coverage, varies with card tier |
| Cashback / Points Redemption | Automatic deposit (no redemption process) | Points converted/use via AMEX reward site | Redeem via MUFG portal; not automatically cashed |
| Payment Method Options | 1‑time, 2‑time, bonus, installment, revolving (Raku Pay) | Same MUFG pay methods; plus AMEX-specific finance options | Same MUFG pay methods |
| APP / Online Service | MUFG Card App with full statement, points, limit tools | Full app support; plus AMEX online tools | Full app support |
| Card Upgrade / Add‑Ons | Card brand only (VISA/Master); no upgrade path | Adds one free family card; Priority Pass, concierge | Dual‑style pairing with Platinum AMEX for perks |
Conclusion
The Mitsubishi UFJ Nikko Saison Card is an excellent zero-annual-fee credit card option loaded with benefits like cashback, flexible credit, and optional insurance.
It offers multiple payment methods—from interest-free installments to automatic revolving payments—together with smart online tools and customer support.
However, understanding and managing interest properly is essential to reap the rewards responsibly.
Disclaimer: Details provided are based on information available as of June 2025 and are subject to change without notice. Always refer to the official Mitsubishi UFJ Nikos website or customer service for the latest terms and conditions.
