The MUFG Credit Card is designed for people living in Japan who want a reliable, easy-to-manage way to handle daily spending.
With flexible billing options, reward points, and strong support for both locals and foreign residents, it stands out from typical retail-based cards.
This guide covers how to apply online, what you’ll get, and why MUFG might be the right fit for your financial routine.
What Makes the MUFG Credit Card Different
MUFG cards are built for long-term use, offering features that go beyond simple rewards. Here’s what sets them apart from other credit cards in Japan:
- Flexible Payment Scheduling – You can adjust your payment dates to match your income cycle.
- Family Card Options – Add family members and manage spending under one account.
- Birthday Bonus Points – Earn extra points during your birthday month automatically.
- Strong Travel Coverage – Includes travel insurance and global customer support on select cards.
- Bank Integration – Manage both your credit card and MUFG bank accounts through one app.
- Customer Loyalty Tiers – Long-term users get access to better point rates and support perks.
- IC Card Auto-Top-Up – Useful for daily commuters using Suica or PASMO.
- Multilingual Application Support – Designed with non-Japanese residents in mind.
Everyday Perks That Actually Matter
MUFG Credit Cards focus on benefits you’ll actually use—not just flashy promos.
These perks help with daily spending, tracking, and savings in ways that make your life easier:
- Double Points on Your Birthday Month – Get rewarded more during your celebration month automatically.
- Easy Points System – Convert points into cash, gift cards, or airline miles without jumping through hoops.
- Free Email and App Alerts – Get real-time updates for every transaction and balance change.
- Automatic Suica/PASMO Reload – No need to manually top up your commuter card.
- Built-in Budget Tools – Set monthly spend limits and monitor your trends in-app.
- Partner Discounts – Save on dining, shopping, and travel with exclusive MUFG merchant offers.
- No Extra Fee for Domestic Use – Use your card in Japan without worrying about hidden charges.
Who Should Apply (And Who Shouldn’t)
These cards aren’t designed for everyone. Here’s a quick guide to help you decide if it’s the right fit for your financial habits and lifestyle:
- You live in Japan and have a stable income.
- You want a credit card backed by a major bank with in-person support.
- You value structured payments and financial tools over flashy rewards.
- You prefer long-term benefits like loyalty upgrades and flexible billing cycles.
- You need a card that works well with IC transport cards and mobile wallets.
You Shouldn’t Apply If:
- You only want maximum points for shopping at a single online store.
- You don’t have a Japanese address or residence card.
- You’re looking for a card with zero annual fees across all tiers.
- You have no credit history or are unsure about meeting monthly payments.
- You frequently shop internationally and want high point returns abroad.
Step-by-Step: How to Apply Online
Applying for a MUFG Credit Card online is simple if you have the right documents ready.
Here’s a step-by-step breakdown to help you complete the process smoothly:
- Visit the MUFG Card Website: Go to the official MUFG Card page and select the card that fits your needs.
- Click on “Apply Online”: Choose the application button for new users or existing MUFG customers.
- Enter Your Personal Details: Fill in your full name, date of birth, nationality, and residential status in Japan.
- Provide Contact and Address Info: Input your phone number, email address, and current residential address.
- Submit Work and Income Information: Add details about your employment status, company name, monthly income, and years of service.
- Upload Required Documents: Attach a photo of your government ID (e.g., residence card) and optionally your latest income proof.
- Set Payment Preferences: Choose your billing cycle, link your MUFG bank account (if applicable), and set any card usage limits.
- Review and Submit: Double-check your entries, agree to the terms, and click submit.
- Wait for Approval Notification: You’ll receive an email confirmation, and approval typically takes 2–5 business days.
MUFG Card Fees and Interest Rates
Here’s a quick look at the typical fees and interest rates you’ll deal with when using a MUFG credit card:
- Annual Fees – Some cards are free, others go up to ¥11,000. First-year waivers may apply.
- Purchase Interest – Around 15.0% if you carry a balance past the due date.
- Cash Advance Rate – Usually about 18.0%, starting from the day you withdraw.
- Late Payment Penalty – Miss a payment and expect up to 20.0% interest on your balance.
- Foreign Transaction Fees – Charged on some cards when used overseas. Check your card’s terms.
- Family Card Fee – Add-ons cost around ¥400–¥1,000 yearly per card.
Compare: MUFG vs. Rakuten, Aeon, and JCB
If you’re choosing a credit card in Japan, it’s worth comparing MUFG to popular options like Rakuten, Aeon, and JCB.
Here’s how they compare in key areas:
MUFG Credit Card
- Backed by a major bank with strong customer service
- Best for long-term use and structured payments
- Offers travel insurance and birthday bonus points
- Good integration with banking and IC card systems
Rakuten Card
- High point rewards, especially for Rakuten users
- No annual fee and easy approval process
- Strong for online shopping, especially on Rakuten Ichiba
- Limited travel perks or premium features
Aeon Card
- Great for shoppers at Aeon malls and supermarkets
- Often has no annual fee
- Basic point system, good for daily use
- Not ideal for frequent travel or high spenders
JCB Card
- Globally accepted (outside U.S.) and recognized as a Japanese brand
- Solid premium card lineup for high earners
- Comes with various lifestyle and travel perks
- Harder to get if you’re new to credit in Japan
Contact Info & Support Access
If you need help with your MUFG credit card, here’s how to get in touch:
General Inquiries (Japan):
- Call the MUFG Card Call Center at 0570-050535 or 03-5489-6165. Available daily from 9:00 AM to 5:00 PM, excluding year-end and New Year holidays.
Head Office Address:
- MUFG Bank, Ltd. Head Office, 2-7-1 Marunouchi, Chiyoda-ku, Tokyo 100-8388, Japan
Final Word
MUFG Credit Cards offer dependable features for daily use, long-term financial planning, and travel support.
With flexible payments, birthday perks, and strong bank integration, they’re a solid choice for residents in Japan.
If this fits your lifestyle, visit the MUFG Card website and apply online today.
Disclaimer
This content is for informational purposes. Fees and terms may vary by card type and applicant profile.
Always verify the latest details on MUFG’s official website before applying.