If you're considering applying for a TS CUBIC Card, the TOYOTA Wallet app offers a streamlined way to do it right from your smartphone.
Whether you’re already a customer or just getting started with Toyota’s financial services, this guide will walk you through the complete application process.
You’ll learn how to download the app, register, submit your documents, and manage your credit card—all from one place.
What is the TS CUBIC Card?
The TS CUBIC Card is a credit card issued by Toyota Finance Corporation, designed to enhance the lifestyle and automotive experiences of its users.
Launched in April 2001, it replaced the earlier Toyota Card and has since become a central component of Toyota's financial services.
It offers a range of benefits tailored to both everyday spending and vehicle-related expenses.
Hidden benefits:
- Toyota Points: Earn points on every purchase and redeem them for vehicle services, shopping, or even loan payments.
- Car Maintenance Discounts: Exclusive discounts at participating Toyota service centers.
- Roadside Assistance: Some card types include support for vehicle breakdowns.
- Optional Insurance Plans: Coverage for car accidents, theft, or overseas travel (depending on your chosen card type).
Variations
The TS CUBIC CARD SELECT is designed for individuals seeking a balance between affordability and comprehensive benefits. Key features include:
- Annual Fee: ¥2,750 (including tax) for the primary cardholder. Family cards are available at ¥1,100 each.
- Credit Limit: Ranges from ¥100,000 to ¥1,000,000, subject to approval.ana.co.jp
- Payment Options: Choose between payment dates on the 2nd or 17th of each month.
- Benefits:
- Roadside Assistance: 24/7 support for vehicle-related emergencies.
- Rental Car Discounts: Preferential rates at Toyota Rent-a-Lease locations.
- Travel Insurance: Coverage for both domestic and international trips.
- Shopping Protection: Insurance for purchases made with the card.
The TS CUBIC CARD GOLD is tailored for customers seeking premium services and higher credit limits. Its features include:
- Annual Fee: ¥11,000 (including tax) for the primary cardholder. One family card is free; additional family cards are ¥1,100 each.
- Credit Limit: Ranges from ¥1,000,000 to ¥2,500,000, subject to approval.
- Benefits:
- Enhanced Roadside Assistance: Comprehensive 24/7 support.
- Fuel Discounts: Exclusive offers for gold members.
- Airport Lounge Access: Complimentary access to select lounges domestically and internationally.
- Travel Insurance: Higher coverage limits for both domestic and international travel.
- Shopping Protection: Extended insurance for purchases made with the card.
Step 1: Download the TOYOTA Wallet App
To get started, you’ll need to download the TOYOTA Wallet app, available for both iOS and Android.
Make sure the app developer is listed as TOYOTA FINANCE CORPORATION to ensure authenticity.
Once you've downloaded the app, open it to start the setup process.
Step 2: Register as a TOYOTA Wallet Member
To apply for a TS CUBIC Card, you must first register as a TOYOTA Wallet user. Here’s how:
a) Enter Your Mobile Number
Input your mobile number to receive a 6-digit authentication code.
You’ll need to verify this code before moving forward.
b) Fill in Personal Information
Full name (as it appears on official documents), date of birth, gender, postal address, contact email, and nationality.
Specific additional information for a member could vary.
c) Confirm Email
After entering your personal details, you’ll receive a confirmation email. Click the verification link inside the email to activate your account.
Note: If you already have a MY TS CUBIC ID, you can log in directly without creating a new account. This will link your existing Toyota Finance data automatically.
Step 3: Start the Credit Card Application
Once registered, access the application section inside the app.
Navigate to Application Menu
Tap the menu icon and choose the “Apply for a Credit Card or Loan” option.
Select the "Credit Card Only" option. Avoid the car loan options if you're just applying for a credit card.
This section also allows you to apply for auto loans, so make sure you’re choosing only the TS CUBIC Card.
Step 4: Upload Required Identification Documents
To comply with Japanese financial regulations, you need to verify your identity and payment information.
a) Accepted Identification
Driver’s License (Front and Back), My Number Card or Residence Card (for foreign nationals)
b) Proof of Payment Account
Scan a document that verifies the account from which payments will be debited.
Accepted documents include a bankbook page showing the account number and name, or official bank-issued documents.
Tip: Make sure the name on your payment account matches the name on your identification to avoid delays.
Step 5: Wait for Screening and Check Application Status
Once all documents are submitted, your application will go through a screening process.
The average review time is 1 to 3 business days
Notifications will be sent through the TS CUBIC tab inside the TOYOTA Wallet app
If additional documents are required, the app will notify you promptly.
Step 6: Register the TS CUBIC Card in the App
Once approved, your card must be activated and linked within the app.
a) Resume Application Process
In the “TS CUBIC” tab, select “Resume Application Process” (if prompted)
Confirm your card details.
b) Activate with QUICPay
Tap “QUICPay Registration” to enable contactless payments.
You can now use your TS CUBIC Card via smartphone for quick and secure transactions.
Interest Rates and Fees
When applying for any credit card, it's essential to understand the financial terms. The TS CUBIC Card offers standard conditions, including:
- Annual Fee: Varies by card type (Basic card may offer no annual fee for the first year)
- Purchase Interest Rate: Approx. 15.0% APR
- Cash Advance Rate: Up to 18.0% APR
- Late Payment Fee: Typically 20.0% APR
These values can change depending on your card tier (Basic, Gold, etc.), so review the card details carefully during application.
Customer Support and Contact Information
If you encounter any issues or have questions during your application:
Phone Support: TS CUBIC Card Center, 0570-008789 (Weekdays 9:00–17:30 JST)
Mailing Address: Toyota Finance Corporation 1-4-31, Mizuho-cho, Naka-ku, Nagoya-shi, Aichi 460-0003, Japan
You can also find help inside the TOYOTA Wallet app via the "Help" or "Contact Us" section.
Conclusion
The TS CUBIC Card is a practical and rewarding credit card option, especially for Toyota users in Japan.
Through the TOYOTA Wallet app, the entire process—from application to card registration—is digital, secure, and user-friendly.
If you're looking for a card that integrates with your lifestyle and vehicle needs, this is a great option to consider.
Disclaimer: Card features, fees, and eligibility requirements are subject to change. Always refer to the official TS CUBIC website or TOYOTA Wallet app for the most updated information. Approval is subject to screening by Toyota Finance Corporation.
