PayPay Card is a must-have for PayPay users! Earn PayPay points at a high redemption rate!

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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.






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.

©PayPay Card Corporation
©PayPay Corporation