The LINE Pay Credit Card is made for users in Japan who want simple rewards. Sumitomo Mitsui Card Co., Ltd., issues it and connects to LINE.
You get fast approval, no fees, and useful cashback. It’s good for in-store shoppers who want easy savings.
Key Benefits of the LINE Pay Credit Card
This card makes daily purchases more rewarding with easy-to-understand features. It’s especially valuable for users who want cashback without dealing with complex rules.
- Earn 5% LINE Points on in-store purchases using Charge & Pay (up to 500 points per month).
- 0.5% cashback applies to Visa touch or iD payment transactions.
- Enjoy lifetime free annual membership with no spending conditions.
- Get your card number instantly when applying during business hours.
- Receive real-time LINE notifications after each transaction.
- Avoid hidden charges and manage your spending directly in the LINE app.
5% LINE Points Rebate with Charge & Pay
The biggest advantage of the LINE Pay Credit Card (P+) is the 5% cashback in LINE Points. This rebate applies only to Charge & Pay transactions made in physical stores.
You can earn up to 500 LINE Points per month, which equals about 10,000 yen in spending. Transactions using Visa touch or iD payments earn only 0.5% back.
You must link the card to your LINE Pay account to activate this feature. Cashback is usually credited a few days after each transaction.
Lifetime Free Annual Fee
The LINE Pay Credit Card (P+) comes with no annual fee, making it ideal for students and young professionals. There are no spending conditions to keep it free.
It's a great option for first-time users or as a backup card. Extra cards like family or ETC cards are also available, many at no cost.
If you request a card reissue or design change, a small fee applies. Otherwise, the main card stays free for life.
Instant Issuance in 10 Seconds
You can get your digital card number instantly if you apply between 9:00 and 19:30. It’s ready for online use right after approval.
Physical card delivery takes a few days, depending on your location. This fast process is ideal for immediate use.
You'll also receive a membership summary by mail. Outside the instant-issue window, manual processing is used.
Real-Time LINE Usage Notifications
LINE notifications are sent right after every transaction. They help prevent fraud and control spending. If something looks suspicious, you can act fast.
This makes budgeting easier in real time. It's useful for users who want alerts without using a separate banking app. All updates appear directly in your LINE chat.
Application Requirements and Process
A few basic requirements and steps must be completed to proceed. Follow these carefully to avoid delays or rejections.
- You must be at least 18 years old (high school students are not eligible).
- Those under 20 need parental consent to apply.
- You must be a resident of Japan with a valid LINE Pay account.
- Ensure your phone number and email in the LINE app are current.
- Prepare your identification documents for identity verification.
- You’ll also need to set up a payment account during the application.
Who Can Apply for the LINE Pay Credit Card?
You must be at least 18 years old, but high school students are not eligible. If you’re under 20, you need parental consent.
A valid LINE Pay account and residency in Japan are also necessary. Make sure your phone number and email in the app are current.
These details are used for verification and notifications. Without an active account setup, you can't finish the application.
Step-By-Step Card Application Process
Here is what you need to do to complete the LINE Pay Credit Card (P+) application. Each step is simple and can be done online from your smartphone or computer.
- Visit the official LINE Pay Credit Card application page.
- Fill in your personal details and upload required documents like your ID.
- Link your payment account for billing setup.
- Submit your application and wait for quick screening.
- If approved, receive your card number instantly for online use.
- Wait for the physical card to arrive by mail at your registered address.
Verifying LINE Pay Account Details
Check your phone number and email on the LINE app to make sure they match your current info. Go to the Wallet tab > LINE Pay > Settings > My Info.
If the information is outdated, update it before applying. You can't complete registration if this data doesn't match.
It's important for receiving cashback and alerts. Double-check this step to avoid delays.
Additional Information You Should Know
This section highlights key conditions you might overlook if you don’t read the details. Reviewing this information helps you avoid surprises and use the card more effectively.
Fees, Charges, and Other Costs
Some features come with additional costs, even though the card itself is free. Make sure to check these optional services before deciding to use them.
- Card reissue or design change costs 1,100 yen per request.
- An ETC card is free for the first year but costs 550 yen if unused after that.
- A family card is free but shares the 500-point monthly cap with the main card.
- Shopping protection covers up to 1 million yen, but only for international use or revolving payments.
- These features can be helpful, but only if they match your spending habits.
- Review these carefully before deciding to add extra services.
Interest Rates and Payment Schedule
Understanding when and how you pay helps you avoid extra charges. Review these payment rules to stay on track with your billing.
- Payment is due on the 26th of the following month after billing.
- If you pay in full, there’s no interest charge.
- Revolving payments have interest between 15% and 18% annually.
- Always confirm the latest interest rate with the card issuer.
- Set up payment reminders to avoid missed due dates.
- The card promotes responsible spending with clear terms.
Extra Features and International Use
These additional features improve usability for frequent travelers and global shoppers. If you travel or shop overseas, these benefits can be especially useful.
- The card is accepted internationally as part of the Visa network.
- It supports Visa touch payments, making checkout faster at global retailers.
- Real-time LINE alerts notify you of spending while abroad.
- Includes shopping insurance for added safety on eligible purchases.
- The card's features make it suitable for both domestic and international use.
- Note: the 5% LINE Points cashback applies only to eligible domestic transactions.
Who Is This Card Best For?
This card is ideal for those who want simple rewards from everyday in-store purchases. It’s best for budget-conscious shoppers who prefer cards with no annual fees.
LINE alerts help track expenses and support responsible spending. Users who mainly shop online or travel often might need a different card.
Contact Information
The LINE Pay Credit Card (P+) is issued by Sumitomo Mitsui Card Co., Ltd., a leading issuer in Japan. You can apply for and manage your card through the official LINE Pay Credit Card site.
For help, contact support via the LINE app or the Sumitomo Mitsui Card support center. It's best to reach out during business hours for faster service.
Disclaimer: LINE Points and cashback percentages may change based on issuer policy. Always read the latest terms and conditions on the card website.
Final Thoughts: Why This Card is a Smart Pick?
The LINE Pay Credit Card (P+) is a good choice if you want fast approval and no annual fees. It’s perfect for in-store shoppers using Charge & Pay to earn LINE Points.
With real-time alerts, shopping insurance, and Visa support, it’s reliable for daily use. This card offers value for users who want convenience and rewards.
