If you live in Japan and want a credit card that earns points and helps you save on mobile phone bills, the regular D Credit Card is worth considering.
Offered by NTT Docomo in partnership with Sumitomo Mitsui Card Co., Ltd., this card fits perfectly into daily life, especially if you use Docomo services.
In this complete guide, you’ll learn how to apply online, what benefits to expect, how to use your points, and what to prepare before applying.
What Is the D Credit Card?
The D Credit Card is a standard credit card that lets you earn D Points with every purchase, and use those points at affiliated stores or to pay Docomo bills.
Use contactless payment via iD (electronic money), add family cards at no extra charge, and easily manage everything through the D Card app.
Unlike the D Card GOLD, this regular version is simple, cost-effective, and ideal for first-time cardholders or anyone looking to collect points from everyday spending.
Why Choose the D Credit Card?
Here’s what makes the regular D Credit Card a smart option:
- No annual fee – keep the card for free without conditions.
- Earn 1% D Points (2% in special categories) on most purchases (¥100 = 1 point).
- Use points at Lawson, FamilyMart, McDonald’s, and other partners. Also online purchases via D Shopping, Amazon Japan, or Mercari.
- Apply points to your Docomo mobile bill or D Card charges.
- Comes with iD contactless payment for quick purchases.
- Option to issue up to 3 family cards for free.
- Use your card through the d Payment app before receiving the physical card.
This card is best for people who already use Docomo or shop frequently at D Point partner stores.
Security and Mobile Features
Equipped with electronic money “iD” for fast contactless payments and 3D Secure for safer online shopping.
Compatible with the D Payment, Apple Pay, and Android wallet apps. All transactions are monitored for fraud detection.
Use the app to lock your card instantly if lost, and get real-time spending notifications.
Who Can Apply?
To apply, you must be 18 years or older (high school students are not eligible) and have a bank account in Japan for automatic payments.
Given its connection to mobile devices, you must own an active Japanese mobile phone number and email address.
Having some form of income or financial support (students may apply if supported by a parent/guardian) is vital.
How to Apply Online – Step-by-Step
Applying is easy and fully digital. Here’s the process:
- Go to the official D Card website.
- Click “Apply” and select the regular D Card (not GOLD).
- Sign in with your d Account. If you don’t have one, create it first. You just have to upload or verify your ID.
- Enter your personal details – name, birth date, and address. If registering a family card, the user’s relationship and consent
- Enter your phone number and email.
- Input your employment/school, and income information.
- Provide bank account info for auto payment setup.
- Review the terms and conditions, then click submit.
The process takes about 10–15 minutes.
What to Expect After Applying
Once submitted, you’ll receive an email confirmation immediately.
Initial screening takes 1–3 business days. If approved, your card will be mailed within 5–7 days.
You can use a virtual version of the card in the D Payment app while waiting for the physical one. The PIN and login info will be sent separately for security.
How to Check Your Registration Info
Once you’re approved, you can check or update your card info in a few ways:
- Check by mobile number: Log in to your D Account and view your registered phone number.
- Check by email: Access your D Account profile and confirm the linked email address.
- Check by D POINT card data: Go to the D Point Club website or app to view linked card and point data.
- You can also log in through the D Card app for complete access.
These options make it easy to manage your info or update it if needed.
Interest Rates and Fees
Here’s a clear breakdown of costs:
- Annual Fee: ¥0 (regular D Card only)
- Interest on Purchases: 15.00% annually
- Cash Advance Interest: 18.00% annually
- Installment Payment Fees: ~12% to 15%, depending on the plan
- Late Payment Fee: ~20.00% annualized rate
- Family Cards: Up to 3, free of charge
There’s no fee to issue or renew the card unless you opt for special services or fail to pay on time.
Which Other D Cards Exist?
D Card GOLD
- Annual Fee: ¥11,000 (tax included)
- Target Users: Primarily Docomo mobile and home internet subscribers
- Main Features:
- 10% points back on Docomo mobile and home internet bills
- Travel insurance (domestic and international)
- Shopping protection and warranty extensions
- Access to airport lounges
- Higher point limits and extra benefits for frequent users
D Card Prepaid
- Annual Fee: None (prepaid system)
- Target Users: Minors, students, or users without a credit history
- Main Features:
- Rechargeable card using Docomo billing, ATMs, or credit cards
- Earn 0.5% D Points on spending
- Usable at Mastercard and iD-enabled locations
- No credit screening needed
- Good for budget control or as a starter card
Customer Support – Where to Get Help
If you have issues or need to update info, contact support:
- General Inquiries (Japan): 0120-300-360 (10:00–18:00)
- Online Help Center: Available on the [d Card website]
- International Calls: +81-3-6627-4000
- You can also send inquiries through the d Account Portal
Send physical documents or inquiries to: Sumitomo Mitsui Card Co., Ltd., 1-6-2 Marunouchi, Chiyoda-ku, Tokyo 100-0005, Japan.
Final Thoughts
The regular D Credit Card gives you reliable purchasing power, a smart point system, and no annual fee.
You can manage your mobile bills, collect d Points, and shop with iD electronic money – all using one card.
If you're a Docomo user or just want a simple Japanese credit card that works, this one fits the bill.
Disclaimer: This article is for informational purposes only. Product details, rates, and availability are subject to change by NTT Docomo and Sumitomo Mitsui Card Co., Ltd. Always check the official website before applying.
