The P-one Credit Card is a simple, no-annual-fee card with automatic cashback on every purchase.
It’s designed for everyday use, both in Japan and abroad. This guide explains the main benefits and how to get approved.
Why Choose the P-one Credit Card
Here’s why the P-one Credit Card stands out from other options.
It’s built for convenience, savings, and easy approval, especially if you want a low-maintenance card in Japan.
- 1% Cashback Automatically – Every purchase earns cashback without registering or activating.
- No Annual Fee – You don’t pay a yearly fee, making it long-term cost-effective.
- Accepted Nationwide and Internationally – Works anywhere Mastercard or Visa is accepted.
- Easy to Manage Online – Use the Orico app to check spending and payments anytime.
- Orico Mall Bonus Points – Shop through Orico’s portal and get rewards from partner stores.
Key Benefits You Get
This card offers practical benefits that make everyday spending more rewarding and stress-free. Here’s what you can expect once you’re approved:
- 1% Automatic Cashback – Applied directly to your monthly bill without extra steps.
- Zero Annual Fee – Keep the card with no ongoing costs.
- Available in Multiple Designs – Choose from several card styles like P-one Wiz.
- Installment and Revolving Payment Options – Flexible ways to manage larger purchases.
- Orico App Access – Track your spending, billing, and rewards on your phone.
- Special Offers via Orico Mall – Earn bonus points when shopping through partner stores.
- Reliable Customer Service – Support available by phone and online.
Who Can Apply
You must meet specific eligibility criteria to apply for the P-one Credit Card.
These requirements ensure that applicants are financially stable and legally residing in Japan.
- Age Requirement: You must be at least 18 years old. High school students are not eligible.
- Residency Status: A valid long-term visa and a residence card (Zairyu card) are required. Tourist visas are not accepted.
- Stable Income: You should have a regular income or be part of a household with a stable financial background.
- Bank Account: A Japanese bank account is necessary for automatic payment deductions.
- Contact Information: A working phone number and email address are needed for communication purposes.
What You Need to Apply
You'll need to prepare some essential documents and information.
Ensuring you have these ready will streamline the application process and increase your chances of approval.
- Personal Identification: A valid photo ID, such as a passport or Japanese driver's license, is required to verify your identity.
- Residence Card: If you're a foreign resident of Japan, a valid residence card (Zairyu card) is typically required to confirm your residency status.
- Contact Information: A working phone number and email address are necessary for communication regarding your application.
- Employment Details: Information about your current employment, including your employer's name, your position, and your annual income.
- Bank Account Information: Details of a Japanese bank account for setting up automatic payments.
- Address Verification: Proof of your current address in Japan, such as a utility bill or rental agreement, may be requested.
How to Apply – Step-by-Step
Applying for the P-one Credit Card is straightforward if you follow these steps. Here's a simple guide to help you through the process:
- Visit the Official Website: Go to the P-one Credit Card application page on the official Orico website.
- Select Your Card Design: Choose the card design that suits your preference, such as P-one Wiz.
- Fill Out the Application Form: Provide your details, including name, address, and contact information.
- Enter Employment and Income Information: Input your current employment status, employer's name, and annual income.
- Submit Required Documents: Upload necessary identification documents, such as your residence card (Zairyu card) and proof of income.
- Review and Submit Your Application
- Double-check all entered information for accuracy before applying.
- Await Confirmation: After submission, wait for confirmation via email or phone regarding the status of your application.
- Receive Your Card: If approved, your P-one Credit Card will be mailed to your registered address.
After You Apply
Once you submit your application, a few essential steps follow. Here's what you can expect during the review and approval process:
- Application Review Begins: Orico reviews your submitted details and documents for completeness and accuracy.
- Identity Verification: You may receive a call or email to verify personal or employment information.
- Approval Notification: If approved, you’ll get an official confirmation via email or postal mail.
- Card Issuance: Your P-one Credit Card will be printed and sent to your registered address.
- Setup Instructions Provided: Your card package will include activation and app setup instructions.
Common Approval Tips
Your application must be accurate and complete to improve your chances of being approved for the P-one Credit Card.
Below are some key tips that can help you get through the approval process smoothly:
- Use Accurate Information: Double-check all personal and financial details before submitting.
- Avoid Leaving Fields Blank: Fill in every required section of the application form.
- Use a Stable Income Source: Applicants with regular income or household support have better approval odds.
- Submit Clear ID Documents: Ensure your ID photos are clear and readable.
- Keep Credit Applications Limited: Avoid applying for multiple cards simultaneously to reduce rejection risk.
- Maintain a Good Payment History: If you already have credit in Japan, a clean payment record helps.
Fees and Interest Rates
Below is a clear breakdown of the most relevant charges based on typical figures for cardholders in Japan:
- The annual fee is free, meaning you won’t pay anything to keep the card active year after year.
- The interest rate on purchases ranges from 15.00% to 18.00% per year, and it only applies if you carry a balance past your due date.
- The interest rate on cash advances is around 18.00% per year from the time you withdraw the funds until full repayment.
- If you miss a payment, a late payment fee of 20.00% per year will be applied to your outstanding balance.
- When you make purchases in foreign currencies, a foreign transaction fee between 1.60% and 2.00% will typically apply.
- If you lose or damage your card, a replacement fee of around ¥1,100 will be charged to issue a new one.
Contact Info
Here is the contact information for the P-one Credit Card in Japan, provided entirely in English for clarity:
Customer Service Phone Number
- Navi Dial: 0570-064-373
- If Navi Dial is not available, call: 03-6688-7666
Operating Hours
- Monday to Saturday: 9:00 AM to 5:30 PM
- Closed on Sundays, national holidays, and during the New Year holidays
The Bottomline
The P-one Credit Card is smart if you want simple cashback, no annual fees, and easy management.
It fits nicely into everyday spending with straightforward approval requirements and valuable features.
Apply online today to start earning rewards with every purchase.
Disclaimer
Card terms, fees, and interest rates may change at any time based on the issuer’s policies.
Before applying, check the official Pocket Card website for the most up-to-date information.
