The JAL Credit Card is more than a regular credit card. It’s a practical tool for frequent flyers who want to earn JAL travel perks internationally.
Offered through partnerships with banks like JCB, MUFG NICOS, and DC Card, the JAL Card comes in several tiers tailored to different types of travelers.
This tutorial will guide you through the online application process, compare the card options, and list important information like fees and interest rates.
What Is the JAL Credit Card?
The JAL Credit Card is issued in collaboration with Japan Airlines and is part of the broader JAL Mileage Bank program.
It allows cardholders to accumulate miles for every purchase and offers a range of travel-related benefits depending on the card type.
It's one of the most recognized airline credit cards in Japan and is available in different formats, including JCB, Visa, and Mastercard.
Types of JAL Credit Cards – What Sets Them Apart?
There are four main types of JAL Credit Cards, each offering increasing levels of benefits and annual fees.
Each card tier builds on the one before it, offering stronger benefits and exclusive perks for those who travel more often or need greater flexibility and service.
Here’s what makes each one unique:
1. JAL Card (Ordinary Card)
Best for occasional travelers or first-time card users.
1 mile per ¥200 spent (or ¥100 if enrolled in the "JAL Card Shopping Mileage Premium" for an additional fee) with a welcome bonus of 1,000 miles upon joining.
Offers basic coverage for domestic and overseas travel and discounts on in-flight purchases and JAL duty-free stores.
2. JAL Card Club-A
Best for frequent travelers looking for extra comfort and better insurance coverage, such as accidental death coverage of up to ¥50 million overseas.
The miles are the same as ordinary (with optional upgrade), with a welcome bonus of 5,000 miles upon joining.
Offers additional JAL Group ticket discounts, early boarding priority, and more generous JAL discounts.
3. JAL Card Club-A Gold
Best for travelers who want gold-level perks, lounge access, and stronger insurance.
Includes coverage for delayed baggage, missed flights, and medical expenses overseas
Offers airport lounge access in Japan, priority customer service, and better point redemption value.
4. JAL Card Platinum
Best for high-mileage business travelers or luxury-seekers.
1 mile per ¥100 spent (Shopping Mileage Premium included) with a welcome bonus of 10,000 miles upon joining
Includes global insurance with emergency support and concierge services, access to JAL’s premium airport lounges, and business-class travel benefits.
Who Can Apply?
You’re eligible to apply for a JAL Credit Card if you are 18 years or older and reside in Japan (foreign nationals must present a valid residence card).
Having a consistent income (students and homemakers may need a co-signer) is a good boost.
You do not need to be a JAL Mileage Bank member already—you can register during the application.
What You Need Before Applying
Gather a valid form of ID (residence card, driver's license, or passport) and JAL Mileage Bank number (or sign up during application)
My Number documentation (some issuers may request this for identity verification), along with Japanese address and phone number for communication.
Current employment and income details will be necessary to determine your financial adaptability.
How to Apply Online – Step-by-Step
Here’s how to complete the JAL Credit Card application online:
- Visit the JAL Card Website: Go to the official Japan Airlines website and click on “JAL CARD” from the menu.
- Select a Card Type: Choose from the Ordinary, Club-A, Club-A Gold, or Platinum card. Review the benefits, mileage rates, and fees.
- Register/Login to JAL Mileage Bank: If you aren’t a member, you’ll need to register before continuing. Your card will link to this account to track miles.
- Choose the Issuing Bank: Select between JCB, Visa (MUFG NICOS), or Mastercard (DC Card). Each one has slightly different bonus programs and application platforms.
- Start the Application: Click “Apply Online.” You’ll be redirected to the chosen bank’s secure application portal.
- Fill in Personal Information: Enter your name, date of birth, phone number, address, and residence status.
- Provide Employment and Income Info: Include your job title, employer, monthly salary, and years employed.
- Choose Payment Preferences: Decide if you want full monthly payment, revolving credit, or a mix.
- Submit Documents: Upload your ID and any other required documents. Some banks may ask for a selfie verification.
- Submit the Application: Review your details and click “Submit.” You’ll receive an email confirmation.
- Wait for Approval: Most decisions are made in 5–10 business days. Your new card will be mailed to your Japanese address.
What Happens After You Apply?
Once you apply, you’ll get an email receipt within minutes. Some applicants may receive a follow-up call.
The screening period usually takes about 1 week. Once approved, your card is sent to your address in Japan.
You must activate the card online or by phone before use.
Interest Rates and Fees (Typical for MUFG-issued JAL Card)
Annual Fees
- Ordinary: ¥2,200
- Club-A: ¥11,000
- Club-A Gold: ¥17,600
- Platinum: ¥34,100
Shopping Interest Rate: 15.00% (revolving)
Cash Advance Interest: 18.00%
Late Payment Fee: Approx. 20.00% annual
Optional Service Fees:
- Shopping Mileage Premium: ¥3,300/year (free with Gold/Platinum)
- Interest and fees can differ slightly between issuing banks, so always check your selected issuer's site.
Contact Information for Questions
Card Office – General Inquiries
- Phone (Toll-free, Japan): 0120-747-907
- From Mobile: 03-5460-5131
- Hours: Mon–Fri, 9:00–17:00 JST
- Mitsubishi UFJ NICOS (Visa): 0570-025405 (Navi Dial, Japanese only)
- Mailing Address: JAL CARD Inc., JAL Building 10F 2-4-11 Higashi-Shinagawa, Shinagawa-ku Tokyo 140-0002, Japan
Conclusion
The JAL Credit Card is a strong choice if you're a traveler based in Japan who frequently flies with Japan Airlines.
With options ranging from entry-level to luxury, it lets you earn miles, enjoy travel perks, and manage everyday expenses all in one.
Choose the card that fits your lifestyle, and follow the easy online application to get started.
Disclaimer: Information provided here is accurate at the time of writing but may change. Always check the latest terms, rates, and requirements directly with the issuing bank or the official website before submitting your application.
