Rakuten Card is a popular credit card choice in Japan, known for its user-friendly online application process and attractive benefits.
This guide provides a comprehensive overview of how to apply for the Rakuten Card online.
Include details on interest rates and fees and essential contact information for customer support.
About Rakuten
Rakuten is one of Japan’s leading e-commerce and financial service companies.
Offering a wide range of products, from online shopping and travel services to banking and credit cards.
Founded in 1997, Rakuten has expanded its business globally, becoming a household name in digital services.
Known as the “Amazon of Japan,” it provides a vast marketplace where customers can earn and redeem Rakuten Points.
Rakuten Cards Available
Rakuten offers a diverse range of credit cards tailored to meet various customer needs.
Below is an overview of the main Rakuten credit cards and their distinguishing features:
1. Rakuten Card
- Annual Fee: None
- Point Return Rate: 1% on all purchases
- Credit Limit: Up to 1 million yen
- Features:
- No annual fee
- Earn 1 point per 100 yen spent
- Various card designs available
2. Rakuten PINK Card
- Annual Fee: None
- Point Return Rate: 1% on all purchases
- Credit Limit: Up to 1 million yen
- Features:
- Similar benefits as the standard Rakuten Card
- Exclusive customizable designs
- Optional paid services, including insurance and discount coupons
4. Rakuten Gold Card
- Annual Fee: 2,200 yen
- Point Return Rate: 1% on all purchases; additional points on Rakuten Ichiba
- Credit Limit: Up to 2 million yen
- Features:
- Access to select domestic airport lounges
- Increased point earnings on Rakuten Ichiba purchases
- Higher credit limit compared to standard cards
5. Rakuten Premium Card
- Annual Fee: 11,000 yen
- Point Return Rate: 1% on all purchases; up to 5% on Rakuten Ichiba
- Credit Limit: Up to 3 million yen
- Features:
- Complimentary Priority Pass membership for global airport lounge access
- Free domestic airport lounge access
- Comprehensive travel insurance coverage
- No annual fee for ETC card
- Bonus points during your birthday month
Benefits of the Rakuten Credit Card
Use Rakuten Cards whether you're looking for cost savings, travel perks, or higher rewards on purchases.
- Point System: Earn 1% back in Rakuten Points for every 100 yen spent. These points can be used for shopping on Rakuten Ichiba and at various affiliated stores across Japan.
- No Annual Fee: The standard Rakuten Card comes with no annual fee, making it a cost-effective choice for daily use.
- International Acceptance: With options like VISA and MasterCard, the Rakuten Card is widely accepted both in Japan and abroad.
How to Apply for a Rakuten Credit Card Online
Applying for a Rakuten Credit Card online is a simple process. Follow these steps:
- Access the Application Page: Visit the official Rakuten Card application page and create an account if you don't have one.
- Get Documentation: Cash Card or passbook, driver's license or ID, health insurance card, residence card alien registration card.
- Select Card Type and Design: Choose your preferred card brand (VISA, MasterCard, JCB, or American Express) and design.
- Enter Personal Information: Provide your full name, gender, date of birth, and contact details. Ensure that your name matches exactly as it appears on your official ID to avoid application issues.
- Provide Address Details: Input your current residential address in Japan accurately, as the card will be mailed to this location.
- Employment and Income Information: Fill in your employment status, company details, and annual income. This information is crucial for the credit assessment process.
- Bank Account Registration: Link a Japanese bank account for automatic monthly payments. It's recommended to complete this online during the application to expedite the process.
- Review and Submit: Double-check all entered information for accuracy before submitting your application. After submission, Rakuten will review your application. You may receive a confirmation call to verify details. Upon approval, your card will be mailed to your provided address, typically within a week.
Interest Rates and Fees
Interest rates and fees are subject to change. For the most current information, refer to the official Rakuten Card website or contact customer service.
- Annual Fee: The standard Rakuten Card has no annual fee.
- Purchase Interest Rate: Typically around 15.0% per annum.
- Cash Advance Interest Rate: Approximately 18.0% per annum.
- Late Payment Fee: A fee may be charged for overdue payments. It's essential to pay your balance by the due date to avoid additional charges.
Customer Support and Contact Information
For inquiries or assistance, you can reach the Rakuten Card Customer Call Center:
- Phone: 0570-66-6910
- Alternative Phone: 092-474-6287 (if the main line is unavailable)
- Headquarters: NBF Shinagawa Tower, 2-16-5 Konan Minato-ku Tokyo, 108-0075.
*Operating hours are from 9:30 a.m. to 5:30 p.m., including weekends and national holidays.
Tips for Foreign Applicants
Rakuten Card is known for its relatively foreigner-friendly application process. To increase your chances of approval:
- Ensure Consistency: Make sure that your name and address match exactly across all documents and application forms.
- Stable Income: Having a steady source of income in Japan can enhance your application's credibility.
- Accurate Information: Double-check all entered details to prevent errors that could lead to application rejection.
By following this guide, you can smoothly navigate the Rakuten Credit Card application process and start enjoying the financial benefits it offers.
Additional Resources
You can also get:
- Rakuten e-NAVI: An online platform where you can manage your credit card account, check statements, and redeem points.
- Family Cards: Option to issue additional cards for family members, sharing the same credit limit.
- ETC Card: For electronic toll payments on highways, available upon request.
- Payment Methods: Learn how to pay your Rakuten Credit Card bill through various methods, including online, by phone, or by mail. valuewalk.com
- Card Services: Explore the benefits and services offered by Rakuten Card, such as cash-back programs and online account management.
- Terms and Conditions: Familiarize yourself with the Rakuten Card terms and conditions to understand your rights and responsibilities as a cardholder. rakuten.com
Conclusion: Choosing the Right Rakuten Credit Card
Rakuten offers a variety of credit cards designed to fit different financial needs.
When choosing a Rakuten card, consider annual fees, reward rates, and special perks based on your lifestyle and spending habits.
Since all Rakuten cards come with easy online applications and customer support, getting started is straightforward.
