The Mizuho Mileage Club Credit Card is a well-rounded product that offers the convenience of combining a cash card and a credit card into one.
Issued by Mizuho Bank, one of Japan’s top financial institutions, this card is ideal for customers seeking seamless access to their savings account.
This article will walk you through everything you need to know, including how to apply, important points to check, benefits, and other essentials.
What is Mileage Club?
Mileage Club is a customer loyalty and service program created by Mizuho Bank in Japan.
Here’s what it involves:
- Membership: When you join the Mileage Club, you get access to special services linked to your Mizuho Bank account, such as discounts on fees, reward programs, and additional banking conveniences.
- Point Program: By using the credit card for shopping and services, you earn Eikyufumetsu Points ("永久不滅ポイント", or "Permanent Points") which never expire. These points can be redeemed for:
- ANA airline miles
- Gift certificates
- Shopping credits
- Other goods and services
- Additional Perks: Members may qualify for ATM withdrawal fee waivers, transfer fee reductions, preferential loan rates, or other banking benefits depending on their account activity and card usage.
What is the Mizuho Mileage Club Credit Card?
The Mizuho Mileage Club Credit Card is a unique hybrid card.
It functions as a cash card (for ATM withdrawals and account management) and a credit card (for everyday purchases and payments).
Also, as a rewards card, earning you Eikyufumetsu Points that can later be exchanged for items, gift certificates, or airline miles, including special offers.
The card is issued under popular brands like JCB or Mastercard, giving you broad acceptance across Japan and internationally.
Key Benefits of the Mizuho Mileage Club Credit Card
Use it both as a cash card and a credit card, reducing the need for multiple cards, and earn Eikyufumetsu Points that do not expire.
For ANA co-branded cards, points can be converted into ANA miles at favorable rates.
Some versions offer free overseas travel accident insurance (subject to card usage). Eligible for fee waivers based on card activity.
Periodic promotional rewards for usage or a new membership.
Before Applying
Before beginning your application, it is critical to confirm you meet all the requirements.
Customers eligible to use the online application process must meet all the following conditions:
- Be 18 years of age or older.
- Hold an ordinary savings account at Mizuho Bank.
- Have an active Mizuho Direct contract or already be a member of the Mizuho Mileage Club.
- Only one Mizuho Mileage Club Card (credit card combined cash card) or Mizuho JCB debit combined cash card may be applied for per account.
- If you have already applied for a Mizuho JCB debit combined cash card, you must choose the "credit card only" type when applying.
- If you are already a member of the Mizuho Mileage Club, applications must be made through your primary account.
It’s essential to verify these points carefully, as failing to meet even one condition could delay or invalidate your application.
How to Apply for the Mizuho Mileage Club Credit Card
When applying online, you’ll go through several key stages. Here’s what to expect:
Eligibility Check
The application will ask:
"Do you have a regular savings account at Mizuho Bank?" and "Have you signed up for Mizuho Direct or joined the Mizuho Mileage Club?"
You must answer Yes to proceed. If you don’t have one, you'll need to open an account first.
Choose Card Type
Decide whether you want only a credit card or a combined credit card + cash card.
Select accordingly based on your current bank card status.
Agree to Terms
Carefully read the terms and conditions.
You must agree to the contractual terms regarding card use, privacy, and rewards programs.
Complete the Application Form
The form is divided into the following sections:
- Agreement: Consent to terms and data usage.
- Application Details: Choose card type, network (JCB/Mastercard), and any optional services.
- Customer Information: Input your name, address, phone number, and date of birth.
- Confirmation of Input Contents: Carefully review all details before proceeding.
- Account Information: Confirm your linked Mizuho Bank account details for integration with the cash card.
You may be required to upload or scan a copy of an official ID (driver’s license, residence card, etc.).
After reviewing all inputted information, submit your application.
You’ll receive a confirmation notice and possibly an application reference number.
Interest Rates and Fees
Understanding the financial terms is crucial before applying to avoid possible pitfals:
Annual Fee:
- Main card: In many cases, no annual fee if certain spending conditions are met.
- Otherwise, small annual fees may apply depending on the specific card type chosen.
Interest Rates:
- Shopping Credit Rate: Typically around 15% per annum.
- Cash Advances: Approximately 18% per annum.
Foreign Transaction Fee:
A small currency conversion fee will be charged for transactions made outside Japan (rate varies based on the card brand, e.g., JCB or Mastercard).
Always review your card’s specific Terms of Service for the latest and most accurate details.
Bank Contact Information
If you have questions about your application or need help, you can contact Mizuho Bank:
- Toll-Free (within Japan): 0120-1-32402 (Press [2#] and then [1#])
- From Overseas: +81-3-6743-7777 (Press [2#] and then [1#])
- Service Hours: 24 hours, 365 days a year
- Mizuho Bank Head Office Address: Otemachi Tower, 1-5-5 Otemachi, Chiyoda-ku, Tokyo 100-8176, Japan
- Phone: +81-(0)3-3214-1111
Conclusion
The Mizuho Mileage Club Credit Card offers an excellent solution for customers seeking to combine the benefits of ATM banking and credit card spending.
Whether you’re aiming to collect reward points, enjoy mileage benefits, or simply streamline your banking, this card provides a highly flexible option.
By checking eligibility carefully and following the detailed application steps, you can ensure a smooth and successful application.
Disclaimer: This article is intended for informational purposes only and should not be considered financial advice. Card features, fees, terms, and conditions may change. Always confirm the latest information directly with Mizuho Bank before applying
