Japan Post Visa Credit Card – Learn How to Apply

If you’re living in Japan as a foreigner, obtaining a credit card might pose some hurdles. While locals can secure one with ease, foreigners often face obstacles.

However, the Japan Post Visa Credit Card offers a straightforward application process and enriches your life in Japan, making it a top choice for everyday use.


Discover the benefits and learn how to apply for the Japan Post Visa Credit Card to start reaping its rewards.

Japan Post Visa Credit Card: Overview of Its Benefits

Let’s explore the advantages of using the Japan Post Visa Credit Card. This card brings you a seamless and rewarding financial experience.

  • Say goodbye to carrying cash and hello to smooth transactions with this card.
  • Enjoy a rewards program designed just for you, offering points or cash back on purchases.
  • For those who love to travel, this card includes insurance coverage and access to airport lounges.
  • Benefit from low interest rates on your purchases and cash advances, keeping more money in your pocket.
  • Get support whenever you need it with their dedicated customer service and online resources.
  • Save on your next trip with discounts on hotels and car rentals.
  • Take advantage of exclusive deals and promotions available only to cardholders.
  • Travel with peace of mind knowing you have access to emergency assistance services.
  • Manage your account effortlessly with their mobile app, making financial management a breeze even on the move.

Security Features

Your financial security is paramount when using the Japan Post Visa Credit Card. 


The card is equipped with several advanced security features to ensure your peace of mind:

EMV Chip Technology

This feature provides an extra layer of security by generating unique transaction codes for each purchase, making it harder for fraudsters to replicate your card details.

Fraud Detection and Monitoring

The card constantly monitors your account for any unusual or suspicious activities. 


If anything out of the ordinary is detected, you’ll be promptly alerted to take necessary actions.

Zero Liability Protection

In the unlikely event of unauthorized transactions, you won’t be held responsible, provided you report the issue in a timely manner.

Secure Online Account Management

Access your account with confidence, as your personal and financial information is protected with robust encryption.

Optional Alerts

Stay informed about your account’s security with optional email or text alerts for any suspicious activities.

Choosing the Right Card: Japan Post Visa Credit Card vs. Others

When selecting a credit card, it’s crucial to weigh your options. 

The Japan Post Visa Credit Card offers a unique set of features that sets it apart from other cards in Japan:

  • Reward Programs: Evaluate the rewards and benefits of the Japan Post Visa Credit Card compared to others.
  • Fee Structure: Consider the annual fees, foreign transaction fees, and additional charges of each card.
  • Interest Rates: Examine the APRs for purchases, cash advances, and balance transfers to find the best deal.
  • Global Acceptance: Check how widely the Japan Post Visa Credit Card is accepted both in Japan and abroad.
  • Exclusive Perks: Look for special perks such as travel insurance, purchase protection, and concierge services that come with the card.
  • Customer Support: Assess the quality of customer service provided by the Japan Post Visa Credit Card issuer.

Getting Your Japan Post Visa Credit Card: Steps to Apply

Securing a Japan Post Visa Credit Card is an easy task. Follow these steps to ensure a smooth application:

  1. Verify Eligibility: Confirm that you meet the necessary criteria, such as age and income levels.
  2. Organize Documents: Collect essential documents like identification, proof of earnings, and proof of residence.
  3. Access the Website: Navigate to the Japan Post website to find the application form online.
  4. Complete the Form: Fill in the form with accurate details and double-check for any mistakes.
  5. Submit Your Form: You can submit your application online with ease.
  6. Await Approval: Japan Post Bank will assess your application and inform you of their decision.
  7. Get and Activate Your Card: Once your application is successful, your card will be sent to you by mail. Follow the provided instructions to activate it.

Approval Process

After you submit your application for the Japan Post Visa Credit Card, you’ll receive immediate confirmation

The review process typically takes a few business days, and you’ll be notified of your approval via email or regular mail. Once approved, your Japan Post Visa Credit Card will be sent to you shortly thereafter. 

Don’t forget to activate your card using the provided instructions before you start using it.

Eligibility Criteria

For the Japan Post Visa Credit Card application, the requirements are as follows:

  • Age: You must be 18 years or older.
  • Residency: You should be living in Japan.
  • Income: A stable source of income is required.
  • Credit History: A positive credit history is necessary.
  • Other Conditions: Any additional criteria set by Japan Post.

Factors that May Affect Your Approval

When you’re aiming to get your hands on the Japan Post Visa Credit Card, there are a few key points that can sway the decision on your application:

  • Credit Score: The better your credit score, the higher your odds of getting a thumbs up.
  • Income: Showing you’ve got a steady flow of cash proves you can handle paying back what you owe.
  • Existing Debts: If you’re already juggling a lot of debt, it might be a red flag.
  • Credit History: A track record of managing your credit well works in your favor.
  • Employment Status: Having a solid job can boost your application’s appeal.
  • Residency Status: You’ll typically need to be living in Japan to get the green light.
  • Age: Make sure you’re old enough, which is usually at least 18 years.
  • Other Financial Obligations: Any other money matters you’ve got going on will be taken into account.
  • Application Accuracy: Double-check your application for any errors to up your chances of approval.

Interest Rates and Card Fees

Understanding the interest rates for the Japan Post Visa Credit Card is crucial before you apply. 

The Purchase APR, which is the interest rate for purchases, typically ranges from 15% to 25%. The Cash Advance APR for cash withdrawals is usually higher, around 25% to 30%.

Additional Rate Details

The Balance Transfer APR, for transferring balances from other cards, is generally similar to the Purchase APR. 

Keep an eye out for any Introductory APR offers, like 0% for the first 12 months. 

Lastly, be aware of the Penalty APR, which can be as high as 29.99% if you miss payments.

Card Fees

Using the Japan Post Visa Credit Card comes with certain fees you should know about:

  • Annual Fee: Expect to pay an annual fee ranging from ¥1,000 to ¥3,000 for this card.
  • Interest Rates: For purchases, cash advances, and balance transfers, interest rates generally fall between 15% and 20%.
  • Foreign Transaction Fees: When making purchases in foreign currencies, you’ll be charged fees typically between 1% and 3% of the transaction amount.
  • Late Payment Fees: If you’re late on a payment, you’ll incur fees of about ¥1,000 to ¥3,000, or a percentage of the outstanding balance.
  • Overlimit Fees: Going over your credit limit may result in fees around ¥1,000 to ¥3,000.
  • Other Fees: Be aware of additional charges for services like card replacement or emergency cash advances.

Contact Details

For mobile phone users, dial 0120-933-000 for assistance. 

If you’re in Tokyo, you can reach them at 03-6627-4045, and in Osaka, the number is 06-6445-3206. 

Alternatively, you’re welcome to visit their main office located at 2-3-1 Otemachi, Chiyoda-ku, Tokyo 100-8793.


Wrapping it up, getting your hands on a Japan Post Visa Credit Card might seem tough, but trust me, the perks you get once it’s in your wallet are totally worth the effort.

 When it comes to scoring awesome rewards, this card is a real game-changer. 

Disclaimer: Just a heads-up, like with any credit card, there are some risks, so make sure to check out the bank’s terms and conditions for the full scoop.