The Sumitomo Credit Card, issued by Sumitomo Mitsui Card Company, is one of Japan’s most trusted credit options for everyday spending and travel.
With a range of card types and flexible features, it suits new and premium users.
This guide explains how to apply online and explores the key features and benefits you should know.
Overview of Sumitomo Credit Cards
Sumitomo Mitsui Card Company, a major financial institution in Japan, offers Sumitomo Credit Cards.
The cards are available on major networks like Visa, Mastercard, and UnionPay, making them suitable for both domestic and international use.
Users can choose from various options, including basic, gold, and platinum cards, each tailored to different financial needs and lifestyles.
Card Types and Target Users
Here’s a quick look at the available Sumitomo Credit Card options.
Each card is designed to meet the needs of specific users, including students, young professionals, frequent travelers, and business owners.
Sumitomo Mitsui Card (Basic):
- This card is ideal for students and first-time credit card users.
- It offers essential features with a low or no annual fee, making it easy to manage.
Sumitomo Mitsui Card Gold:
- Designed for working professionals, this card offers benefits such as travel insurance and airport lounge access.
- It comes with a moderate annual fee for users looking for added value.
Sumitomo Mitsui Card Prime Gold:
- This card targets users in their 20s who want Gold-level perks at a discounted annual fee.
- It automatically upgrades to the standard Gold card when the cardholder turns 30.
Sumitomo Mitsui Card Platinum:
- Best suited for high-income earners and frequent travelers, this card provides premium features.
- It includes a concierge service, high credit limits, and exclusive travel benefits.
Sumitomo Mitsui Business Cards:
- These cards are designed to help companies manage employee and operational expenses efficiently.
- They offer spending controls, usage reports, and tailored limits for each cardholder.
Key Features
Here are the key features that make Sumitomo Credit Cards a practical choice for users in Japan.
These features enhance convenience, security, and everyday usability, whether you shop locally or travel abroad.
- V Point Program: Earn points on purchases and redeem them for shopping or services.
- Digital Wallet Support: Compatible with Apple Pay, Google Pay, iD, and QUICPay.
- ETC Card Option: Add an ETC card for convenient expressway toll payments.
- Online Account Access: Manage your card, view statements, and track spending through the SMBC app or Vpass.
- Recurring Payments: Easily set up automatic payments for utilities, phone bills, and subscriptions.
- IC Chip & PIN Security: Built-in intelligent chip and PIN protection for safe transactions.
- Installment and Revolving Payments: Flexible repayment options to fit your budget.
Main Benefits
The cards offer a range of benefits that go beyond basic spending.
These perks reward purchases, enhance travel experience, and provide peace of mind through added protections.
- Welcome Bonus Points: Earn extra V Points when you sign up and make your first purchase.
- Travel Insurance: Includes domestic and overseas travel accident coverage, which varies by card type.
- Airport Lounge Access: Available for Gold and Platinum cardholders at select airports.
- Exclusive Discounts: Save at partner stores, restaurants, and online merchants.
- Extended Warranty: Extra protection on eligible purchases beyond the manufacturer’s warranty.
- Emergency Support Abroad: Assistance for lost cards, medical help, or emergencies while overseas.
- Bonus Rewards Events: Seasonal campaigns and point-up promotions for added savings.
Interest Rates and Fees
Here’s a detailed look at the interest rates and fees for Sumitomo Mitsui Credit Cards in Japan.
These charges vary depending on the card type and how you use it, so reviewing them before applying is essential.
- Annual Fee (Basic Card): ¥0 to ¥1,375 (some cards offer a first-year free)
- Annual Fee (Gold Card): ¥11,000 (discounts available for specific age groups or usage levels)
- Annual Fee (Prime Gold Card): ¥5,500 (designed for users in their 20s)
- Annual Fee (Platinum Card): ¥33,000 (includes concierge service and luxury perks)
- Purchase Interest Rate: Around 15.0% per year (applies if you don’t pay the full balance)
- Cash Advance Interest Rate: Around 18.0% per year (daily interest applies from the day of withdrawal)
- Late Payment Fee (Purchases): Up to 14.6% annual rate on overdue amount
- Late Payment Fee (Cash Advance): Up to 20.0% annual rate on overdue amount
- ETC Card Annual Fee: Free for most cards, or up to ¥550
- Reissuance Fee (Lost Card): Approx. ¥1,100
Eligibility Requirements
You must meet basic eligibility criteria to apply for this card.
These ensure financial stability and compliance with the law. Here’s a summary of the main requirements:
- Age: Must be at least 18 years old; some cards require a minimum age of 22.
- Residency: You must live in Japan. Foreign nationals require at least 6 months of residency and a valid permit.
- Income: A stable income is required; some cards require an annual revenue of ¥2 million or more.
- Credit History: Should have no major defaults or late payments.
- Bank Account: A SMBC or SMBC Trust Bank account may be required.
- Identification: Must provide a valid ID, such as a passport or residence card.
- Additional Documents: You may need to provide income proof and address verification.
Step-by-Step Online Application Process
Applying for a Sumitomo Mitsui Credit Card online is straightforward and can be done through their official website.
Below is a simple step-by-step guide to help you complete the process smoothly.
- Visit the Official Website: Go to the Sumitomo Mitsui Card Company’s official site and choose your preferred card.
- Select “Apply Online”: Click the application button on the card’s page to begin.
- Enter Personal Details: Fill in your name, date of birth, contact information, and address.
- Provide Employment and Income Info: Enter your job, employer or school name, and annual income.
- Choose Card Settings: Set your card PIN, select optional features like ETC card, and indicate the card’s purpose.
- Upload Identification: Submit the required documents, such as your My Number or residence card.
- Set up Account Transfer: Complete the online process to make automatic payments from your bank account.
- Review and Submit: Double-check all the information you entered and submit your application.
- Wait for Approval: The bank will screen your application and notify you of the result.
- Receive and Activate Your Card: If approved, your card will be mailed to you. Activate it via the app or website.
Customer Support and Inquiries
Below is a list of contact options, including phone numbers and addresses, to help you reach the appropriate department.
General Inquiries (Sumitomo Mitsui Trust Club):
- Toll-Free in Japan: 0120-003-081
- From Overseas: +81-3-6770-2800
- Service hours: Weekdays 9:00 AM – 5:00 PM (closed on weekends and holidays)
Gold Card Desk:
- Toll-Free in Japan: 0120-498-012
- Service hours: 10:00 AM – 5:00 PM, 365 days a year (excluding December 30-January 3).
Platinum Card Desk:
- Toll-Free in Japan: 0120-210-085
- Service hours: 10:00 AM – 5:00 PM, 365 days a year (excluding December 30-January 3).
Insurance and Buyer’s Protection (Tokio Marine & Nichido Fire Insurance Co., Ltd.):
- Toll-Free in Japan: 0120-828-929
- From Overseas: +81-3-6758-2460
Head Office Address: Sumitomo Mitsui Card Company, Limited, SMBC Toyosu Building, 2-2-31 Toyosu, Koto-ku, Tokyo 135-0061, Japan
The Bottomline
Sumitomo Credit Cards offer a reliable way to manage spending with valuable features and flexible options.
Whether you’re a student, professional, or frequent traveler, there’s a card for you.
Visit the official SMBC Card website today to explore options and start your online application.
Disclaimer
Card features, interest rates, and eligibility requirements are subject to change without notice.
Please refer to the official Sumitomo Mitsui Card website for the most up-to-date and accurate information.