The Mitsubishi UFJ Nikos VIASO Card is a credit card designed for simplicity and value. You can earn cashback automatically, enjoy insurance benefits, and pay no annual fee.
With minimal requirements, the card is accessible to students, families, and full-time workers. Here’s how to apply and make the most of what it offers.
Key Benefits of the VIASO Card
This card is designed to give practical value for regular spending. It offers automatic cashback, extra rewards on select services, and no annual fee.
Automatic Cashback System
VIASO Card converts your earned points directly into cashback. You get 5 points for every ¥1,000 spent, and each point equals ¥1.
The cashback is transferred to your account six months after you enroll. No additional steps are needed after registration.
This system works well for users who want low-maintenance rewards. It keeps things simple and efficient.
Extra Points for Everyday Expenses
You earn double points when paying for common services. These include mobile phone bills, internet providers, and highway tolls.
Examples are SoftBank, Docomo, OCN, Yahoo! BB, and ETC. These regular expenses help you collect points faster.
It’s a smart way to boost value on necessary spending. You don’t need to change your habits.
No Annual Fee
There is no annual fee for either the main or family cards. This makes the card accessible and low-risk.
You don’t need to meet minimum spending to qualify. Even if you use the card occasionally, there is no penalty.
It’s ideal for students and careful budgeters. The fee-free model adds long-term value.
Insurance and Protections Included
This card goes beyond cashback and offers essential protections for travelers and shoppers. These coverages bring peace of mind when making purchases or traveling abroad.
Overseas Travel Insurance
You receive up to ¥20 million in overseas travel insurance. This applies if you use your card to pay for travel arrangements like flights or tours.
It covers accidental injury, illness, lost luggage, and personal liability. Medical expenses are supported up to ¥1 million.
A small self-payment may apply for claims. Always keep transaction records in case of filing.
Shopping Insurance Protection
Shopping insurance covers accidental damage or theft of your purchases. Coverage lasts 90 days from the purchase date. You are protected up to ¥1 million each year.
Items
bought via revolving or installment payments are eligible. Standard payments qualify if you enroll in RakuPay. This makes protection available for most purchases.
When Coverage Applies
Insurance only activates if you use your VIASO Card for payment. Travel insurance starts when the card is used for transportation or lodging.
Shopping protection applies when payment methods meet eligibility rules. Make sure you use the correct method to activate coverage.
Claims must follow MUFG’s documentation process. Check conditions before assuming you’re covered.
How Cashback Works and What to Watch Out For?
Cashback with the VIASO Card is simple, but there are conditions you must meet. Understanding the steps ensures you receive your rewards without delays.
Registration and Spending Requirements
You must register for the Members-Only Web Service to activate cashback benefits. Spend at least ¥150,000 within three months to qualify for Benefit 1.
Registering for RakuPay in the same period unlocks Benefit 2. These steps must be completed within the time limit.
Cashback is credited six months after enrollment. Delays or missed steps can void your rewards.
Payment Schedule and Cashback Timing
Cashback payments are based on your enrollment month. If you joined in January, you will get paid around July.
The cashback program follows a fixed cycle, not your billing period. All qualified spending within the first three months counts toward benefits.
The payment is deposited directly to your bank account. You must keep your account and card active to receive it.
Activities That Disqualify Cashback
Certain actions will cancel your eligibility for cashback. Canceling your card or web ID before payout results in disqualification.
Failing to register for RakuPay on time also voids benefits. Not linking a bank account blocks automatic deposit.
If you don’t meet the spending amount, cashback is not issued. Always follow the registration and spending rules to stay eligible.
Excluded Charges and Special Cases
Some types of transactions do not earn rewards or cashback. Knowing these exclusions helps you avoid losing out on benefits.
Charges That Don’t Qualify
Certain fees and payments do not count toward cashback. These include card issuance fees, subscription charges, and loan-related payments.
Installment handling charges and revolving interest also do not qualify. Spending from family cards is combined under the main account but follows the same rules.
Refunds, cancellations, and campaign credits reduce your total eligible spending. Keep track of these to calculate your actual rewards.
Timing and Transaction Rules
The qualifying period is based on the usage date, not the order date. If your usage date falls outside the required window, it won’t count for cashback.
Online purchases may be affected if processed late. Always check your monthly statement to verify transaction timing.
Use this information to plan your spending effectively. Being aware of these details protects your cashback potential.
Understanding Interest Rates and Fees
Understanding the VIASO Card’s interest rates and fees helps you manage costs effectively. Here are two key areas to focus on.
Annual Fees and Statement Charges
There is no annual fee for the main or family cards. This makes the card cost-effective for all user types. If you request paper statements, a ¥220 fee applies per mailing.
This fee is waived for the first six months. Online statements are free and recommended to avoid extra charges. Keeping track of these fees ensures you avoid unnecessary expenses.
Interest Rates and Penalties
Cash advance rates usually range between 15.00% and 18.00%. These rates apply if you borrow money using the card. Delayed payments may trigger penalty interest or suspension.
Always pay your balance by the due date to avoid fees. Ensure your account has enough funds for auto-debit. Managing payments properly helps maintain your credit and card privileges.
Billing Cycle and Payment Schedule
Understanding your billing schedule is key to avoiding fees. These details help you stay on top of your monthly payments.
Monthly Billing Cycle
The closing date for your VIASO Card is the 15th of every month. Payments are due on the 10th of the following month.
If the 10th falls on a weekend or holiday, the due date moves to the next business day. Transactions made after the 15th appear on the next month’s bill.
Always monitor your statements through the online service. This helps prevent missed payments and surprises.
Statement Delivery and Payment Methods
Statements are sent online by default unless you request mailed copies. Printed statements cost ¥220 after the initial six months.
Most users prefer digital statements to avoid fees. Payments are deducted from your registered bank account automatically.
Ensure your account has funds before the due date. This avoids suspension or late payment penalties.
Eligibility Requirements for Applicants
To get the VIASO Card, you need to meet certain personal and financial conditions. These conditions are easy to follow but must be taken seriously.
Age and Income Requirements
You must be 18 or older to apply. Applicants should have a stable income or be a college-level student.
High school students are not eligible unless they meet special conditions. These include graduating after October and selecting a career path.
Student and Family Card Rules
If you’re a student, you can still apply under specific terms. You must not be a high school student unless graduating that same year.
Family cards can go to a parent, spouse, or adult child. The main applicant must not be a student to issue family cards.
How to Apply for the VIASO Card?
Applying for the VIASO Card is simple if you qualify. You must provide accurate personal details and complete all required registrations.
- Be 18 or older with a steady income, or a college student (excluding high school students).
- Apply through the official VIASO website and provide your email, password, and consent to the terms.
- Family members like a spouse, parent, or adult child may also apply if eligible.
- Students can still apply, and their family members can apply independently.
- After submission, register for the “Members-Only Web Service” to activate cashback.
- Consider enabling RakuPay within the first three months to unlock additional rewards.
Application Tips
These practical tips help you complete the application process accurately and maximize your benefits. Follow them to ensure your card approval and access to cashback rewards:
- Use your legal name and ensure that your contact information matches the details in your bank account.
- Register for both the Members-Only Web Service and RakuPay during the first three months.
- Spend at least ¥150,000 within three months to meet the cashback criteria.
- Confirm your application details before submission to avoid processing delays.
- Review your monthly statement to confirm eligible transactions.
- Prepare your bank account for automatic payments to avoid missed deadlines.
Contact Information and Customer Support
If you have any questions, MUFG offers phone support. You can speak with staff during business hours.
The MUFG Card Enrollment Hotline is 0120-151117. They are available every day from 9:00 AM to 5:00 PM. They are closed during New Year holidays.
Prepare your personal details before calling for a smoother experience. Be clear about your inquiry to get faster help.
Final Thoughts: A Practical Card With Great Value
The VIASO Card offers real benefits without requiring extra effort. There are no fees, cashback is automatic, and additional rewards are easy to earn.
You also get solid protection for travel and shopping. It’s a practical choice if you’re looking for value without the hassle.
Disclaimer: Information in this article is accurate as of June 2024. Terms and benefits are subject to change without notice.
