The Orico Credit Card is a popular choice for residents in Japan who want convenience and good benefits.
Ordering your card online is a simple process that can be completed from the comfort of your home.
This guide will walk you through each step to ensure a smooth application experience.
Features and Benefits
Orico credit cards have useful features and benefits that make managing your money easier.
Whether you want cashback, points, or travel perks, there’s something for you. Here’s what you get:
- Reward Points: Earn Orico Points on every purchase and redeem them for gift cards, miles, or merchandise.
- Cashback Options: Some cards offer direct cashback to your statement.
- Wide Acceptance: Use Orico cards at millions of shops worldwide, including online stores.
- Contactless Payment: Pay quickly with iD and QUICPay features.
- Easy Online Management: Track your spending, points, and payments through Orico Net.
- No Annual Fee Options: Many Orico cards offer free membership for the first year or permanently.
- Special Discounts: Get exclusive deals when shopping with partner stores or websites.
- Flexible Payment Plans: Choose between lump-sum, revolving, or installment payments.
- Travel Insurance: Some cards include free overseas travel accident insurance.
- Emergency Assistance: 24/7 support is available if your card is lost or stolen abroad.
Interest Rates and Fees
Before applying, you should know precisely how much this card will cost. Here’s a clear list of the interest rates and fees you’ll face in Japan:
- Purchase Interest Rate: 15.0% annually
- Cash Advance Interest Rate: 18.0% annually
- Annual Fee: No fee for basic cards like Orico Card THE POINT; premium cards charge ¥1,250 to ¥12,000 yearly
- Late Payment Penalty: 20.0% annually on overdue amounts
- Revolving Payment Interest Rate: 15.0% annually
- ETC Card Issuance Fee: ¥1,100 for some cards
- ETC Card Annual Fee: ¥550 if unused for a year, free if used
- Foreign Transaction Fee: 1.60% to 2.00% of each overseas purchase
- Replacement Card Fee: ¥1,100 for lost or damaged cards
Are You Eligible?
Checking your eligibility first can save you time and increase your chances of approval. Here’s what you need to qualify:
- You must be at least 18 years old.
- You must live in Japan and have a valid address.
- You need a steady income or proof of financial stability.
- You must have a good credit history.
- You must provide valid identification (Residence Card, Passport, or Driver’s License).
- Students can apply but may need a guarantor or proof of income.
Choose Your Orico Card
Orico offers different credit cards depending on what you need.
Picking the right one makes getting rewards you’ll actually use easier. Here’s how you can choose:
- Cashback Cards: Best if you want money back on daily purchases.
- Travel Cards: Good for earning points on flights, hotels, and travel expenses.
- Shopping Rewards Cards: Perfect for people who shop online or in stores.
- Student Cards: Designed for students with lower income and easier approval.
- Premium Cards: Offer luxury perks but usually need a higher income and better credit.
- Co-branded Cards: Contact specific stores or airlines for extra discounts and points.
What You Need Before Applying
Before you start your application, you should have all the required documents ready.
This makes the process faster and avoids delays. Here’s what you need:
- What You Need Before Applying:
- Valid ID: Residence Card, Passport, or Driver’s License.
- Proof of Income: Recent payslips, tax certificates, or employment certificates.
- Bank Account Information: For automatic payments.
- Personal Information: Full name, address, phone number, and email.
- Employment Details: Company name, address, phone number, and job title.
- Annual Income Info: Exact or estimated yearly income amount.
- Emergency Contact Info: A relative or trusted contact living in Japan.
How to Apply Online
Applying for an Orico Credit Card online is simple if you follow the steps carefully. Make sure all your information is correct to avoid delays. Here’s how to do it:
- Go to the Official Orico Website: Find the credit card application page.
- Select Your Card: Choose the Orico card you want based on your needs.
- Fill Out Personal Information: Enter your name, address, phone number, and email.
- Provide Employment and Income Details: Include your company name, job title, and annual income.
- Accept the Terms and Conditions: Read and agree before proceeding.
- Upload Required Documents: Submit ID and proof of income if needed.
- Review and Submit: Double-check everything and send your application.
- Wait for Confirmation: You’ll receive an email once your application is received.
Identity Verification
After you submit your application, you must verify your identity. This step confirms who you are and protects against fraud. Here’s how it works:
- Upload ID Document: Send a photo of your Residence Card, Passport, or Driver’s License.
- Provide Bank Information: Match your name and account to verify payment setup.
- Use Online Verification Tool: Sometimes, you may be asked to confirm through a video or photo app.
- Submit Additional Proof if Needed: You might be asked for utility bills or tax documents.
- Wait for Review: Orico will check your documents and contact you if anything is missing.
- Approval or Request for More Info: If everything is good, you move forward; if not, they’ll email you.
After You Submit
A few things will happen once you finish your application and identity verification.
Knowing what to expect keeps you ready for each step. Here’s what comes after you submit:
- Confirmation Email: You’ll get an email that Orico received your application.
- Application Screening: Orico reviews your credit history, income, and documents.
- Additional Info Request (if needed): They may contact you for more documents or clarification.
- Approval Notification: You’ll get an email or postal letter if approved.
- Card Issuance: Your card will be printed and prepared for delivery.
- Card Delivery: You’ll receive your Orico card by mail, usually within 1 to 2 weeks.
- Activation Instructions: You’ll get details on activating and using your card.
Tips for a Smooth Application
Follow these tips to make your application process smoother and faster:
- Double-check your information: Ensure that your name, address, and income details are correct.
- Prepare Documents in Advance: Have your ID, proof of income, and bank info ready before starting.
- Use a Stable Internet Connection: Avoid interruptions while filling out the form.
- Apply During Business Hours: This can speed up processing and help if you need quick support.
- Respond quickly to Requests: Send them immediately if Orico asks for extra documents.
- Keep a Copy of Your Application: Save a screenshot or confirmation email for your records.
- Check Your Credit Status First: Make sure your credit history is clean before applying.
Contact Information
If you need help with your Orico credit card, here’s how to reach them:
- Customer Service (Japan): 0570-200-800 (charges apply)
- Alternate Number (for IP phones or international calls): 03-6734-6477
- Business Hours: 9:00 AM – 7:00 PM, daily (except January 1st)
- Head Office Address: 5-2-1 Kojimachi, Chiyoda-ku, Tokyo 102-8503, Japan
Final Reminder
Applying for an Orico Credit Card online is simple if you prepare everything first.
By following the steps, you can get approved faster and start enjoying the benefits.
Visit Orico’s official site today and complete your application.
Disclaimer
This article is for general information only and does not guarantee approval for an Orico Credit Card.
Always check the latest terms and conditions on Orico’s official website before applying.
