The AEON Suica credit card is made for people who commute, shop, or travel around Japan. It combines payment, points, and Suica train features in one card.
This article shows you how to apply online and what benefits you’ll get. You’ll know if this card fits your daily needs by the end.
What Is the AEON Suica Credit Card?
The AEON Suica credit card lets you pay for daily purchases, travel, and recharge Suica using one card. It works in stores, trains, and online.
You can also earn and use WAON points. The card supports auto-recharge for Suica and works overseas.
Everything is connected under one account. It’s built for people who move around a lot in Japan.
Key Features of the Card
This card includes useful tools for shopping, commuting, and travel. Below are the main features that help you day to day.
Use WAON Points to Recharge Suica
You can use your WAON POINTS to recharge your Suica balance. This gives extra value on money you already spend. Just link Suica and WAON in your settings. It runs automatically after setup.
Use With Mobile Suica
This card works with Mobile Suica. You can control Suica right from your phone. It saves time and removes the need for a plastic card. This is useful for commuters.
Discounts on JR East and Travel Perks
You get access to JR East deals, in-station shops, and rental cars. The offers are only available at select places. These can help lower your total travel cost. You just use the card at payment.
Automatic Suica Recharge
When your Suica is low, the card will auto-recharge it. You won’t need to manually top up. This saves time during busy moments. Just set it once in your account.
Can Be Used Abroad Safely
The card supports international payments. You can use it in stores overseas that accept credit cards. It also includes support if issues happen abroad. That helps you stay covered.
Benefits of Shopping With the Card
You can earn more points or get discounts when shopping. Some offers apply only on special days.
AEON Group Store Benefits
These benefits apply only inside AEON stores. They give points or direct discounts.
Earn Double WAON Points Anytime
You get 2× WAON POINTS when you shop. This is active all the time. There’s no need to activate anything. Just pay with the card.
5% Off on the 20th and 30th
You save 5% on the 20th and 30th monthly. It applies only in AEON group stores. The discount shows up at checkout. This is for all cardholders.
Extra 5% for Age 55+ on the 15th
If you’re 55 or older, you get 5% off every 15th. This is part of “GG Appreciation Day.” You only need to meet the age rule. No other signup is needed.
Other Partner Store Benefits
These perks work outside AEON too. Check the list of included stores.
Double Points Every 10th of the Month
You earn 2× WAON POINTS on the 10th. This works at all stores, not just AEON. It’s called AEONCARD Double Points Day. You just need to use the card.
Discounts at AEON Cinemas
You get lower movie prices at AEON Cinemas. Use your card when booking. This works most days. Offers may vary by cinema.
Extra Points at Partner Stores
You earn extra points at certain preferred stores. These are listed by AEON. Check which ones apply in your area. Use the card to earn automatically.
How to Apply Online?
It’s simple to apply through the official website. Follow these steps to complete your application.
- Fill in the online application form with your personal details.
- Go through screening — no documents or stamps are required.
- Wait for delivery, usually within 2 weeks after approval.
Application Requirements
Make sure you meet the following basic conditions before applying. These are common for credit cards in Japan.
- Must be 18 years or older.
- Must live in Japan and have a valid address.
- Must have a stable source of income.
- Clean credit history is preferred.
Interest Rates and Fees
Understand the costs linked to the card. This includes fees, interest, and payment terms.
Annual Fee
The annual fee is free. You don’t need to pay anything per year. No conditions apply. It stays at zero as long as the account is active.
Cash Advance Interest Rate
The interest rate for cash advances ranges from 7.8% to 18.0%. This depends on your credit situation. Delays in payment can increase your cost. Check full details before using this service.
Late Payment Rate
If you miss a payment, you may be charged up to 20.0% interest. This applies only to the overdue amount. It can raise the total you owe. Always pay on time to avoid this.
Repayment Period
You can repay in up to 57 months. This means spreading your balance over 57 payments. It helps lower the amount due each month. Stick to your plan to avoid fees.
Payment Methods
You can choose lump sum or revolving payments. Lump sum clears the full amount. Revolving splits it into monthly payments. Both are supported.
Collateral or Guarantor
You don’t need collateral or a guarantor. No need for extra documents or property. Approval is based only on your credit info. This makes the process easier.
Cash Advance Service – Key Details
This service lets you get cash using your card within the approved limit.
Loan Range
You can borrow from ¥1,000 to ¥3 million. The amount depends on your credit limit. Use only what’s available. Higher limits require approval.
Where to Withdraw
You can withdraw cash from AEON Bank ATMs or other supported machines. It works in ¥1,000 or ¥10,000 units. Some machines may have limits. Check availability before use.
Collateral Not Required
No collateral or guarantor is needed. This applies to all cash advances. It’s unsecured and based on your credit check. Just follow the process.
Repayment Options
You must repay using equal monthly payments or a lump sum. Choose the method that fits your budget. Interest adds up monthly. Make sure you stay on schedule.
Contact Information
If you need help, use the contact information below. They can answer general and card-specific questions.
- Address: 1-14-10 Uchikanda, Chiyoda-ku, Tokyo, Japan 101-0047
- Phone: +81-3-5283-6360
- Business Hours: 9:00 to 18:00 (Japan Standard Time)
- Support includes help with applications, payments, and more.
Wrapping Up: Final Notes Before You Apply
The AEON Suica credit card gives you key features like Suica auto-recharge, store perks, and a simple application. You can learn how to apply online in just a few minutes.
There’s no annual fee and no need for documents upfront. Review the full details and see if this card matches your lifestyle.
Disclaimer: Card terms and offers may change without notice. Always visit the official site for updated info.