Whether you want everyday rewards, a premium travel experience, or a starter card with no annual fee, MUFG Credit Card fits most spending profiles.
Japan’s Mitsubishi UFJ Financial Group (MUFG) issues a family of credit cards that blend a reliable banking heritage with modern digital tools.
Below, we break down the card variants, highlight the benefits, explain the interest rates, and walk you step‑by‑step through the entire online application.
MUFG Credit Card Portfolio
Before choosing a card, it helps to see the full line‑up at a glance.
The summary below shows how each variant is positioned and why one might fit your lifestyle better than another.
- MUFG Card (Basic) – Entry‑level card with no annual fee for the first year, standard reward points, and flexible payment plans.
- MUFG Card VIASO – Automatically converts monthly points into cash back, credited directly to your statement.
- MUFG Card Gold – Adds domestic airport‑lounge access, higher point multipliers, and travel accident insurance.
- MUFG Card Platinum – 24‑hour concierge, Priority Pass™ lounges worldwide, premium dining discounts, and a dedicated customer‑care line.
- MUFG Card Precious – A women‑focused design that bundles shopping protection and beauty‑salon rebates.
Every product shares MUFG’s core fraud‑monitoring engine and global Mastercard® or Visa acceptance network.
Key Features and Benefits
The advantages below go beyond simple points. MUFG credit card mixes tangible travel perks, robust security, and flexible repayment tools to deliver all-around value.
Rewards That Fit Your Lifestyle
A steady stream of points—or cash back—keeps day‑to‑day spending rewarding.
- Point Program: Earn 0.5 % in MUFG points on domestic purchases and up to 1.5 % on overseas or e‑commerce transactions. Points never expire as long as you make one purchase per year.
- VIASO Auto‑Cash Back: If you choose the VIASO variant, your points convert automatically each month—no manual redemption required.
Travel & Lifestyle Perks
Frequent flyers and holidaymakers benefit most from the travel‑centric extras bundled with Gold and Platinum tiers.
- Airport Lounges: Gold cardholders enjoy access to 31 lounges across Japan, while Platinum members receive a complimentary Priority Pass™ for 1,400+ global lounges.
- Travel Insurance: Up to ¥50 million in overseas travel accident cover (Platinum) and ¥20 million (Gold), plus lost‑baggage and flight‑delay compensation.
- Global Merchant Offers: Seasonal discounts on hotels, rental cars, and duty‑free shopping arranged through MUFG’s partner network.
Security and Mobile Integration
Digital‑first security keeps fraud in check without slowing you down at checkout.
- Instant Card Lock: Freeze or unfreeze your card in real time via the MUFG Card app.
- Biometric Login: Face ID and fingerprint authentication prevent unauthorized access.
- 3‑D Secure 2.0: Added verification for online checkouts without extra passwords.
Everyday Convenience
Small touches—contactless payments, family cards, and adjustable repayments—make daily use friction‑free.
- Contactless Payments: Compatible with Apple Pay, Google Pay, and iD.
- Flexible Repayments: Switch from lump‑sum to revolving or split‑payment plans in the app before the statement cut‑off date.
- Family Cards: Up to three supplemental cards share one credit limit and one point account at no extra fee (Basic) or ¥1,100 per year (Gold/Platinum).
Interest Rates and Fees
Knowing the cost structure in advance helps you avoid surprises and choose a card that matches your repayment habits.
| Item | MUFG Card (Basic) | Gold | Platinum |
| Purchase APR | 15.0 % (variable) | 14.5 % | 14.0 % |
| Cash Advance APR | 18.0 % | 18.0 % | 18.0 % |
| Annual Fee | ¥1,375 (waived 1st yr) | ¥2,095 (waived 1st yr if you spend ¥100,000) | ¥22,000 |
| Foreign Transaction Fee | 2.20 % of yen‑converted amount | Same | Same |
| Late Payment Fee | 20.0 % APR on overdue balance | Same | Same |
Rates are current as of April 2025 and are subject to change.
Eligibility Requirements
MUFG credit card follows Japan’s standard credit‑screening rules, so check the basics before you start the application.
- Age: At least 18 years old (20 years for the Platinum card) and able to sign a legally binding contract.
- Residency: Japanese citizens or long‑term residents with a valid residence card.
- Income: Stable annual income; for students or part‑time workers, a guarantor or parental income may be considered.
- Credit History: No serious delinquencies in the past five years.
- Identification: My Number card (or notification letter) plus a government‑issued photo ID.
- Smartphone: Required for the e‑KYC video selfie step.
How to Apply Online
MUFG’s streamlined web form typically takes 10–15 minutes. Gather your ID and bank details, then follow these four checkpoints.
Choose Provider and Card Type
Select Visa or Mastercard and decide between a regular or student version (where available).
Confirm whether you want the VIASO cash‑back model or another rewards style.
Review and Accept the Terms
Read the Cardholder Agreement, fee schedule, and privacy policy.
Tick the consent boxes to proceed.
Complete Customer Information
Enter personal data (name, address, contact), employment or school details, annual income, and My Number.
Upload or scan ID and record a short selfie video for e‑KYC verification.
Set Payment Account & Application Details
Link a domestic bank account for automatic statement debits via the secure online transfer page.
Confirm desired credit limit, establish a four‑digit PIN, and add optional services (family card, ETC, insurance).
Submit the form and await the confirmation e‑mail; most decisions arrive within 24 hours.
Card Approval and Delivery
Once approved, you can start spending almost immediately—even before the plastic reaches your mailbox.
- Digital Card: A virtual number appears in the MUFG app for instant use with Apple Pay or online merchants.
- Physical Card: Delivered by registered mail in 5–7 days nationwide; ID check on receipt.
- Separate PIN Mailer: Sent for security if you skipped the online PIN‑setting step.
Customer Support and Inquiries
Quick help is never far away—by phone, post, or in‑app chat.
- MUFG Card Contact Center (Domestic): 0570‑050‑535 (8:00–21:00, daily)
- Overseas Collect: +81‑3‑5432‑7324
- Mailing Address: Mitsubishi UFJ NICOS Co., Ltd. (MUFG Card Division)
1‑3‑2 Marunouchi, Chiyoda‑ku, Tokyo 100‑0005, Japan - Lost/Stolen Hotline: 0120‑159‑674 (24 hours, multilingual)
Why Choose MUFG Over Other Japanese Issuers?
In a crowded market, MUFG credit card stands out for its automatic cash‑back option, broad lounge network, and integrated mobile tools.
- VIASO Auto‑Cash Back eliminates manual point redemptions.
- Priority Pass™ with Platinum delivers global lounge access at a competitive fee.
- Unified Banking & Card App keeps all MUFG accounts in one dashboard.
- Lower Gold‑Tier Fee (¥2,095) undercuts many rivals that charge upward of ¥11,000.
Conclusion
MUFG credit card suite balances robust security, versatile rewards, and transparent pricing—all backed by one of Japan’s most trusted megabanks.
If you value an easy cash‑back mechanism or need premium travel services without excessive fees, MUFG deserves a spot on your shortlist.
Apply online today and start turning every purchase into tangible value—we at UpFix are already enjoying the convenience.
Disclaimer: The information in this article is for educational purposes only and reflects terms available as of April 16 2025. MUFG may modify rates, fees, or eligibility criteria without notice; always verify details with the issuer before applying.