The MUJI Card is a popular choice for shoppers in Japan who want to earn points and enjoy exclusive perks.
It works like a regular Visa credit card and comes with no annual fee.
In this guide, you’ll learn how to apply online, what the card offers, and what to expect after approval.
Key Benefits of the MUJI Card
The MUJI Card offers more than just access to credit—it’s designed to reward loyal MUJI customers.
If you frequently shop at MUJI stores in Japan, this card offers practical perks that can help you save money and enhance your shopping experience.
- No Annual Fee: You won’t pay any yearly maintenance fees, making it a cost-effective option for long-term use.
- 1,000 Welcome Points: You receive 1,000 MUJI points just for getting the card, which can be used for future purchases.
- Birthday and Anniversary Bonuses: Earn additional points during your birthday month and every May as a thank-you from MUJI.
- Earn Points on Daily Spending: Accumulate MUJI points on every purchase made with the card, both in-store and online.
- Full Visa Functionality: Use the card anywhere Visa is accepted, including online and international merchants.
- App Integration: Manage your account, track points, and receive notifications through the Epos Card app.
Interest Rates and Fees
Before applying, it’s essential to understand the costs associated with using this card.
Although there is no annual fee, additional charges may apply depending on your card usage.
Here’s a clear breakdown of the current interest rates and common fees.
- Annual Fee: ¥0 (completely free to own and keep year-round).
- Shopping Interest Rate: Around 15.0% per year (applies only if you use revolving payments or delay full repayment).
- Cash Advance Interest Rate: Approximately 18.0% per year, starting from the withdrawal date.
- Late Payment Interest: Up to 20.0% annually on overdue balances.
- ATM Withdrawal Fee: Varies by ATM provider when using cash advance services.
- Foreign Transaction Fee: Currency conversion fees apply when using the card abroad (typically 1.63% or higher).
- Card Reissue Fee: May apply if you request a replacement for a lost or damaged card.
Eligibility and Requirements
To apply online, you must meet basic legal and financial requirements. Here are the key qualifications and documents needed.
- Age Requirement: You must be 18 years or older. If you’re under 20, you’ll need parental or guardian consent.
- Residency: A valid Japanese address is required, and you must currently reside in Japan.
- Contact Information: A valid Japanese mobile number and an active email address are required for verification and communication purposes.
- Income Requirement: A stable income is preferred, but students and part-time workers may still apply with the right supporting documents.
- Identification: Prepare a valid government-issued ID, such as a residence card, driver’s license, or My Number card.
- Language Note: The entire process is conducted in Japanese, so you may need to use browser translation tools if you don’t read Japanese.
Step-by-Step Guide to Apply Online
Applying for the MUJI Card online is quick if you meet the requirements. Follow these clear steps to complete your application successfully.
- Visit the Official Application Page: Open the MUJI Card site. Use browser translation if needed.
- Start the Online Form: Click apply and enter your name, address, birthdate, and contact info.
- Enter Work and Income Info: Add your job details, income, and company name if applicable.
- Choose Your Preferences: Select e-statements and optional services, such as Epos Net access.
- Review and Confirm: Verify your information, agree to the terms, and submit the form.
- Wait for Confirmation: You will receive an email confirming your application. Delivery takes 7–10 business days.
Card Delivery and Activation Timeline
Once your application is approved, receiving and activating your card is a simple process. Here’s what you can expect after submission.
- Shipping Time: The card is typically delivered within 7 to 10 business days after approval.
- Delivery Method: The item arrives by mail to the Japanese address you provided during the application process.
- Activation Process: Instructions are included with the card and also available on the Epos Net portal or mobile app.
- PIN Setup: You’ll set your 4-digit PIN during the activation step.
- Start Using the Card: Once activated, the card is ready for use at MUJI, Visa merchants, and online stores.
- Need Help? Customer support is available if you encounter issues during activation (available in Japanese only).
MUJI Card App Features
Managing your card is easy and convenient thanks to the Epos Card (MUJI Card) app.
You can manage your account on the go and stay informed about your balance and spending.
- Point Balance Tracking: View your current MUJI points anywhere in the app.
- Spending History: Check recent transactions and monthly statements in real-time.
- Usage Alerts: Set up push notifications for purchases and payment reminders.
- Card Control: Temporarily lock or unlock the card if you misplace it or detect suspicious activity.
- Payment Options: Select payment methods such as full or revolving payment directly through the app.
- Secure Login: Access the app using a password, fingerprint, or facial recognition.
- Customer Support Access: Reach help via the app’s FAQ section for quick problem-solving.
How to Earn and Use MUJI Points Effectively
Earning and using points efficiently helps you maximize the benefits of your card.
With regular use and strategic shopping, you can maximize your benefits. Here’s how to do it:
- Make Everyday Purchases: Earn points on daily spending at MUJI stores and any place that accepts Visa.
- Use the Card on MUJI Net Store: Online MUJI purchases also accumulate points, just like in-store shopping.
- Take Advantage of Bonus Periods: Receive extra points during your birthday month and on annual promotions.
- Check the App for Offers: The app sometimes lists limited-time campaigns or higher point rates.
- Redeem Points at Checkout: Use your accumulated points like cash when paying at MUJI locations in Japan.
- Avoid Letting Points Expire: MUJI points have a validity period, so check your balance regularly and use them before they expire.
Customer Service and Help Center Access
When you need assistance, the credit card issuer provides several support options. Here’s how to reach them:
- Phone Support: Call Epos Card customer service at 0120‑149‑010 (toll-free in Japan). For inquiries outside Japan, dial +81‑3‑5330‑6666.
- Email Support: Send questions or document submissions to epos@card.epos.co.jp.
- Mailing Address: Epos Card Co., Ltd., 7-1-1 Ginza, Chūō-ku, Tokyo 104-0061, Japan
- Online Support: Visit the Epos Net portal for FAQs, live chat, and form downloads.
Start with phone or email. Use the online portal for detailed guides or to manage your account.
Conclusion – Apply for the MUJI Card with Confidence
The MUJI Card offers practical benefits like zero annual fees, point rewards, and full Visa functionality.
The online application process is quick, with fast delivery and easy activation.
If you shop at MUJI and live in Japan, apply today to start earning points and enjoying cardholder perks.
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Terms, conditions, and interest rates are subject to change; please check the official MUJI Card website for the most up-to-date information before applying.
