PayPay " is one of the smartphone payment services.
PayPay is a cashless payment service that eliminates the need to carry a wallet, and many people use it because it offers a 1.5% point reward when paying with PayPay.
PayPay allows users to not only charge their balance to PayPay, but also to register a credit card to make payments.
On the other hand, only the PayPay Card comes with 1.5% point redemption for PayPay usage rewards when you make a PayPay payment!
PayPay Card is the only credit card that allows you to register for PayPay deferred payment and charge your PayPay balance.
In this article, we will introduce the PayPay Card Gold Card, which was recently introduced along with the PayPay Card.
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?#PayPayカードゴールド が誕生したよ〜！
＼#PayPayポイント がザクザク貯まる✨プレミアムなサービスが盛りだくさんのカードが登場?あと払い利用で #PayPaySTEP に上乗せで【0.5%】#PayPayポイント がもらえる?
条件等詳しくはこちら?https://t.co/37yk0egUOO
— PayPay株式会社 (@PayPayOfficial) November 24, 2022
What is PayPay Card? Gold Card is also available!
PayPayカード公式サイトPayPay Card is a credit card issued by PayPay Card Co., Ltd. and can be used at PayPay merchants and credit card merchants.
The PayPay Card has no annual fee and features a high basic redemption rate of 1.0%. In addition, PayPay points accumulated by the PayPay Card can be used for PayPay balance payments.
The PayPay Card allows "PayPay After Payment". The points that are redeemed for each transaction range from 0.5% to 1.5%, and the percentage of points awarded varies depending on the conditions achieved in the PayPay Steps.
Of course, you can use your PayPay card as a regular credit card, but we recommend you to use it for "PayPay Post Payment" as well, since you can earn more points when you use it for "PayPay Post Payment".
In addition, when you want to pay with "PayPay Balance Payment," you can use your PayPay card to charge your balance, which is not possible with ordinary credit cards, but PayPay card is the only card that allows you to charge your balance from your credit card. Starting Thursday, November 24, 2022, you will be able to apply for the "PayPay Card Gold". Applications to switch to "PayPay Card Gold" are now being accepted from existing PayPay Card users.
The PayPay Card offers a basic redemption rate of 1.0%, while the PayPay Card Gold offers a basic redemption rate of 1.5%. PayPay Gold offers a basic redemption rate of 1.5%, while the PayPay Card offers an additional 0.5% when using "PayPay After Payments".
If you are a regular user of Softbank or Y-Mobile cell phones, you can enjoy even more benefits. Please refer to the following comparison chart to choose the card that best fits your lifestyle.
| Card Name | PayPay Card Gold | PayPay Card |
|---|---|---|
| Annual fee | 11,000 yen (tax included) | No annual fee |
| Brand | JCB/Visa/Mastercard | JCB/Visa/Mastercard |
| PayPay card benefits | 1.5% (with a 5% discount) | 1% (on all cards) |
| Design Type | Horizontal | Horizontal, Vertical |
| ETC Card | Yes, no annual fee | Yes, annual fee 550 yen (tax included) |
| Family card | No (scheduled for summer 2023 or later) | Yes (scheduled from summer 2023) |
| 3D Secure | Supported | Supported |
| Apple Pay | Supported | Supported |
| Usage Alerts | Supported | Supported |
| Yahoo! Premium Benefits | Unlimited use of all benefits! Shopping and LOHACO +2% on Yahoo! |
-Travel Insurance |
| Mobile Phone Rewards for usage charges |
Up to 10% points for Softbank Up to 3% points awarded by Y-mobile |
Up to 1.5% points awarded by SoftBank Up to 1% points awarded by Y-mobile |
| SoftBank Hikari/Air Reward for usage fee |
SoftBank/Y-Mobile Up to 10% points awarded |
SoftBank/Wye Mobile Up to 1% points awarded |
| Ouchi Denki/Natural Denki Rewards for usage charges |
SoftBank/Y-Mobile Up to 3% points awarded |
Softbank/Y-mobile Up to 1% points awarded |
| Travel Insurance | Overseas travel insurance up to 100 million yen Domestic travel insurance up to 50 million yen |
-Travel Insurance |
| Shopping Guard Insurance | Up to 3 million yen | -Airport lounges |
| Airport lounges at major airports in Japan | Free of charge | -Free of charge |
If you want to increase your PayPay points, PayPay Card is the way to go!
The PayPay Card is the only card that allows you to charge your balance from your credit card and accumulate the basic grant of PayPay Points through payments, making it the best card for accumulating PayPay Points. Of course, by participating in parallel campaigns and using special offers and partnerships, the redemption rate will increase even more.
PayPay payment can only be used at PayPay member stores, but you can earn 1% points if you pay with a PayPay card, and 1.5% points if you pay with PayPay Card Gold. In this regard, the PayPay Card is preferred if you usually use PayPay payments and want to earn PayPay points efficiently.
In particular, since the PayPay Card has no annual fee, it would not be a bad idea for PayPay users to have one for now.
Sorry, this article is only available in Japanese. at the moment.