Navigating Japan’s cashless landscape is much easier when a single card pays your train fare, earns retail points, and extends a full‑service credit line.
The AEON Suica Credit Card does exactly that by fusing JR East’s Suica transit e‑money with AEON Bank’s nationwide shopping ecosystem.
Below, you will find a guide that explains the card’s standout features, current interest rates, eligibility rules, and the step‑by‑step online application.
About AEON Group
AEON Co., Ltd. started as a single Osaka dry‑goods store in 1926 and has grown into Japan’s largest general‑merchandise retailer.
AEON Financial Service issues credit cards, loans and insurance and now counts about 26 million active domestic cardholders.
AEON Bank underpins the ecosystem with an app‑centric model that relies on e‑KYC onboarding to open accounts and issue products such as the AEON Suica Credit Card.
Security remains a priority after ¥9.9 billion in losses from offline card‑fraud schemes were disclosed in March 2025.
What is the AEON Suica Credit Card?
The AEON Suica Credit Card is a triple‑function product:
- Suica transit card – Tap through JR East ticket gates and most IC terminals nationwide.
- JRE POINT and AEON POINT rewards card – Earn points on rail travel and everyday shopping.
- AEON‑branded Visa or JCB credit card – Finance purchases in stores and online, at home or abroad.
Because the plastic (or its mobile‑wallet twin) combines these services, cardholders avoid juggling separate cards and can track all spending in one AEON Bank app.
Key Features & Benefits
This card has various advantages that you can benefit from:
Integrated Suica + JRE POINT
Load up to ¥20,000 onto the embedded Suica balance and ride without queuing for tickets.
1 JRE POINT for every ¥200 spent on JR East fares, boosted to 1 POINT per ¥50 when you register Mobile Suica. (rewardco.com)
Link your JRE POINT and AEON POINT accounts to pool rewards and redeem for rail passes, e‑money top‑ups, gift cards, or statement credits.
AEON Shopping Perks
AEON Customer Appreciation Days (every 20th and 30th of the month) grant 5 % off most in‑store purchases. (ja.virgula)
AEONCARD W Point Day doubles points on designated Wednesdays.
Discounted movie tickets at AEON Cinema and special coupons in the AEON Wallet app keep entertainment costs low.
Travel & Lifestyle Protections
Domestic accident insurance up to ¥3 million when travel fares are charged to the card.
Purchase protection covers theft or damage for 180 days (certain categories excluded).
Optional family cards (up to three) share the same benefits without additional annual fees.
Digital Wallet & Security
Compatible with Apple Pay, Google Pay, and Osaifu‑Keitai. Express Transit mode lets you ride even when your phone battery is low.
24/7 lost‑card hotline plus zero‑liability fraud policy from 61 days before you report a loss.
Instant transaction alerts via AEON Wallet keep you on top of every yen you spend.
Interest Rates, Fees, & Limits
Rates are accurate as of April 15 2025, and can change without notice.
| Item | Current Terms* | Notes |
| Purchase APR | 7.8 % – 18.0 % variable | Based on credit profile ja.virgulanomadan |
| Cash‑advance APR | 20.0 % | Daily interest accrues until paid ja.virgulanomadan |
| Annual fee | ¥0 | Main and family cards |
| Foreign‑transaction fee | ~1.6 % of amount | Visa or JCB rate plus AEON margin nomadan |
| Late‑payment penalty | Up to 20.0 % APR | Applied after the grace period |
Eligibility & Required Documents
You may apply if you:
- Are 18 years or older (20 + for cash‑advance option) and reside in Japan.
- Have a stable income or, if a student, can list a parent/guardian’s income.
Can complete Japan’s online e‑KYC (Know Your Customer) process, which requires:
- My Number card (front and back) for identity verification
- A short live‑selfie video taken in the AEON Card or AEON Wallet app
- Can supply additional information when prompted:
- Japanese phone number and email
- Proof of income (pay slip or tax certificate)
- Domestic bank account for automatic debits (any bank)
Step‑by‑Step Online Application Guide
Once you are ready to apply, you must:
- Access the AEON Card portal and select “AEON Suica Credit Card.”
- Enter personal details – full name, date of birth, address, phone number, and email.
- Identity verification (e‑KYC) – open the in‑browser or in‑app camera, scan both sides of your My Number card, then follow the prompts to record a short selfie video that matches the ID. Approval usually takes under five minutes.
- Family & income section – marital status, number of dependents, employer name or school, annual income, and years at current job.
- Card preferences – choose brand (Visa or JCB), desired credit limit, cash‑advance option, and four‑digit PIN.
- Suica setup – decide whether to receive a physical card or add it directly to Mobile Suica.
- Online Account Transfer Application – Log in to your bank via Pay‑easy to authorise automatic bill payments.
- Review & submit. Most applicants receive a provisional result within minutes; the physical card ships in 7–10 days.
Managing Your Account After Approval
AEON Wallet displays real‑time balances, Suica top‑ups, and point totals.
Switch to instalment (分割払い) or revolving (リボ払い) plans inside the app if you need extra repayment flexibility.
Enable biometric login and push alerts for every transaction to tighten security.
Use the in‑app chat or call centre for limit increases, address changes, or card reissuance.
Bank Contact Information
For in‑person help, visit any AEON Bank branch or service counter inside AEON malls nationwide.
| Purpose | Phone | Hours (JST) |
| AEON Bank Call Centre | 0120‑13‑1089 (toll‑free) | 9:00 – 18:00, daily |
| Lost/Stolen Card (24 h) | 03‑6832‑1234 | 24/7 |
| Website | www.aeonbank.co.jp | — |
Conclusion
The AEON Suica Credit Card unifies transit convenience, point efficiency, and AEON’s retail privileges in one no‑annual‑fee package.
If you commute on JR East lines or simply want a contactless payment tool that stores rewards in a single wallet, the card is worth considering.
Applying online takes less than 15 minutes, and once approved, you can ride, shop, and earn points from the same tap.
Disclaimer: The information above is for general reference only and does not constitute financial advice. Interest rates, fees, eligibility criteria, and promotional benefits may change at any time at AEON Bank’s sole discretion. Always review the latest cardmember agreement and consult the issuer’s official website or customer service team before applying or making financial decisions.