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Home How to Tokyo Get a Credit Card in Japan

How do I get a Japanese Credit Card?

Have you ever applied for a credit card but been refused by a Japanese Bank? Why was that and how did you managed to get one in the end?

Comments (14)
14 Wednesday, 06 February 2013 10:04
I recently started working as a graphic designer for a japanese IT company and got a MUFJ credit card. I've been living in japan for ONLY 1,5 years. My boyfriend also got a MUFJ credit card. We both don't have permanent residence. It ain't impossible. In my opinion it's easier to get a local credit card if you speak Japanese. My boyfriend and i filled out the application form with kanji characters. And MUFJ approved our application in about 2 weeks.
13 Saturday, 10 November 2012 21:40
you get your credit card in japan you have to be good boy hehe means pay you phone bills in time coz if your late your on black list ! you have to be taking care for abut 5 years than you can aplay for oneWink
12 Friday, 20 July 2012 00:50
I only have a spouse visa but I got a credit card when the old woman I was secretly banging vouched for me at the bank.
11 Friday, 20 July 2012 00:48
I only have a spouse visa but I got a credit card when the old woman I was secretly banging vouched for me at the bank.
10 Tuesday, 21 February 2012 00:13
I apply more then 10 time credit card but I get only letter
9 Friday, 10 February 2012 10:35
You can apply japanese credit card online.
8 Monday, 09 January 2012 14:46
One of the easiest Japanese credit card to get.
[Rakuten card:]:
7 Tuesday, 05 July 2011 21:32
I have a PR status with your regular ALT wages. Like most foreign residents, i was refused by all Japanese banks. I was refused by Citibank as well but my bitchy letter to them changed their mind. They decided to issue me one. It's a basic Classic type, I pay 3000 yen a year for it, 500,000 yen credit limit. However, my fluent Japanese speaker friend was able to get a credit card from JP bank no problem, and he only had a spouse visa status. So, even if they refuse you, at least send them a bitchy letter or even better, ask your Japanese wife to do so as well. It might help.
6 Monday, 05 July 2010 00:08
Could be that Japan banks have been tightening up their act following the recent economic crises. Maybe credit to foreign residents permanent or not represent a risk they are not prepared to take. It is very possible to get in on your spouses card for a thousand yen a year (AMex)
The money does come out the spouses account set up for their cards but other than that youre free to use the card as you please..
5 Sunday, 04 July 2010 08:51
I have PR visa (6 years), good job same company (0ver 800 employees) and branch for the last 7 years, clear about 300,000 a month. Credit report is spotless
Still no card refused 8 times so far
4 Thursday, 04 February 2010 16:58

You can get credit cards from Citi bank. It's not exactly Japanese but as good as. Last time I checked they have rules on income- I think you have to pay in about 350,000 yen a month. If you don't you have to pay a small charge to use the service. I haven't heard of many people being refuse credit cards. The other banks are probably more difficult and you would have to have citizenship or at least permanent residency to get one but give citibank a try.

Hers's a Citibank link to their English JP site

3 Wednesday, 27 May 2009 08:55
I tried to get one from UFJ, Mitsui even Chiba bank. No Joy. THey accepted my application and probabaly had fun checking my credit record but sent me letter saying that I had more chance trying to get the vote.
2 Tuesday, 26 May 2009 01:20
Yes In Japan you need to be a resident to get a credit card. Confused
1 Tuesday, 12 May 2009 00:24
You need to be a permanent resident to get a credit card or have a shit-hot job paying a fortune. If you are married you may be able to get in on your spouse's card.

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