The Sumitomo Credit Card is a popular choice in Japan. It offers a blend of everyday convenience and valuable perks.
Issued by Sumitomo Mitsui Card Company, it’s designed for users who want reliable features, reward points, and easy mobile integration.
This guide will show you how to apply online and highlight the key benefits you’ll get with the card.
What Is the Sumitomo Credit Card?
The Sumitomo Credit Card is a financial product issued by Sumitomo Mitsui Card Company, one of Japan’s leading credit card providers.
It offers various card types, including standard, gold, and platinum, each with unique perks and reward systems.
The card is widely accepted across Japan and supports digital payments like Apple Pay and Google Pay.
Card Types Available
Sumitomo Mitsui Card Company offers credit cards for different needs—basic use, premium perks, or travel rewards.
Here’s a quick look at the main card types available:
Sumitomo Mitsui Card (NL)
- A numberless Visa card designed for enhanced security
- Supports contactless payments and mobile wallets like Apple Pay and Google Pay
- Ideal for everyday use with a straightforward rewards program.
Sumitomo Mitsui Card Gold (NL)
- Offers higher credit limits and additional benefits compared to the standard NL card
- Includes travel insurance and access to airport lounges
- Suitable for frequent travelers and those seeking extra perks.
Sumitomo Mitsui Card Platinum
- Premium card with exclusive services such as concierge support
- Provides comprehensive travel insurance and higher reward point accumulation
- Best suited for high-income individuals looking for luxury benefits
Sumitomo Mitsui UnionPay Card
- A yen-denominated credit card compatible with UnionPay networks
- Beneficial for those who travel frequently to regions where UnionPay is widely accepted
- Offers PIN and signature-based payment modes for added security
TRUST CLUB Cards
Includes a variety of cards such as:
- TRUST CLUB Platinum Visa Card
- TRUST CLUB Gold Card (Visa)
- TRUST CLUB Elite Card
- Delta SkyMiles TRUST CLUB Platinum VISA Card
- Delta SkyMiles TRUST CLUB Gold VISA Card
- TRUST CLUB World Card (Mastercard)
- TRUST CLUB Platinum Mastercard
Key Features
The Sumitomo Credit Card offers features that boost convenience, security, and ease of use.
Whether for shopping, travel, or daily spending, it’s built to fit your lifestyle. Here are the key features:
- Numberless Card Design (NL Cards): Card details are stored in the app, enhancing security.
- Mobile Wallet Compatibility: Works with Apple Pay, Google Pay, and other major digital wallets.
- Contactless Payment Support: Tap-and-go payments for faster transactions.
- V Point Rewards Program: Earn points on purchases that can be redeemed for gifts or discounts.
- Online Account Management: Track spending, check statements, and manage settings via the SMBC app.
- Suica or PASMO Integration (select cards): Use your card to auto-charge the train fare in Japan.
- Secure Authentication: Includes two-factor authentication and biometric login options.
- Optional Family Cards: Issue additional cards for family members with spending limits.
Benefits You’ll Get
The card goes beyond basic transactions by offering practical benefits that add value to your everyday spending.
From protection points, here’s what you’ll gain as a cardholder:
- V Point Rewards: Earn points on purchases and redeem for discounts, products, or gift cards.
- Travel Insurance: Coverage for overseas trips, including accident and baggage protection (varies by card type).
- Purchase Protection: Insurance against accidental damage or theft of eligible purchases.
- Airport Lounge Access: Available with Gold and Platinum cards for more comfortable travel.
- Exclusive Offers: Access special deals, discounts, and early-bird event tickets.
- Installment Payment Options: Flexibility to split large purchases into manageable payments.
- Mobile App Features: Real-time spending updates, card locking, and usage controls via the SMBC app.
Interest Rates & Fees
Knowing the interest rates and fees for this card helps you manage costs better.
Rates vary by card type and how you use it. Here’s a quick breakdown:
- Interest on Revolving Credit: The standard interest rate is approximately 15.0%.
- Cash Advance Fees: Cash advance fees may apply and vary; specific rates are not publicly disclosed.
- Late Payment Penalties: Late payments may incur additional charges; exact amounts depend on the card agreement.
- Foreign Transaction Fees: Charges for foreign currency transactions are applicable; rates depend on the card type and transaction details.
Annual Membership Fees
- Standard Cards: Approximately ¥5,500 per year, with the first year often waived.
- Gold Cards: Around ¥11,000 annually, with potential discounts based on spending.
- Platinum Cards: Up to ¥38,500 per year, with possible reductions for high spenders.
Who Can Apply?
You’ll need to meet a few basic conditions to get a Sumitomo Credit Card.
These help the issuer assess your ability to use and repay credit responsibly. Here’s what you need to qualify:
- Age Requirement: You must be at least 18 years old. Some cards may require you to be 20 or older.
- Residency: You must live in Japan. Foreigners need a valid residence card and may need 6+ months of residence.
- Income: A steady income is required. Minimum income varies by card.
- Credit History: A clean credit record is essential. Past defaults or late payments may reduce your chances.
- Documentation: You will need ID, proof of income, and proof of address.
How to Apply Online
Applying for a Sumitomo Mitsui Credit Card online is straightforward and convenient.
The process is conducted in Japanese and is designed for residents of Japan. Here’s a step-by-step guide to help you through the application:
- Visit the Official Website: Go to the Sumitomo Mitsui Card application page.
- Select Your Preferred Card: Browse the available card options and choose the one that best fits your needs.
- Fill Out the Application Form: Provide your personal information, including name, address, contact details, employment information, and income.
- Set Up Payment Account: Link a Japanese bank account for automatic payments. Ensure you have your bank account details ready.
- Review and Submit: Carefully check all the entered information for accuracy, then submit your application.
- Await Approval Notification: After you submit, you’ll get an email with the result. Some users receive a decision in 2–3 business days.
- Receive Your Card: If approved, your physical card will be mailed to your registered address. Delivery typically takes about a week.
Customer Support & Contact Info
Here’s how you can reach Sumitomo Mitsui Card Company for general support:
- Phone (Japan, toll-free): 0120-003-081
- Mailing Address: Sumitomo Mitsui Card Company, 1-5-1 Marunouchi, Chiyoda-ku, Tokyo 100-6525, Japan
The Bottomline
The Sumitomo Credit Card offers a solid mix of convenience, security, and practical benefits for everyday use.
With multiple card types and features tailored to different needs, it’s a smart option for users in Japan.
Ready to get started? Visit the official site and apply online today.
Disclaimer
Card features, fees, and eligibility requirements are subject to change without prior notice.
Always check the official Sumitomo Mitsui Card Company website for the latest information before applying.