The MUFG credit card offers useful features for everyday spending, travel, and rewards. This guide will show you how to apply online with simple steps.
You’ll also learn what benefits come with each card type. The goal is to help you choose the right card and apply with confidence.
About MUFG
One of Japan’s biggest banks, this institution offers a range of services. It has been around for many years and is widely trusted.
The bank provides both personal and business banking. Its cards are accepted across Japan and abroad.
You can use them in stores, online, and while traveling. They also offer multiple card types for different needs.
Types of Credit Cards
There are three main credit card types available. Each comes with different features depending on your lifestyle.
Mitsubishi UFJ Card
This is the most basic card. It’s good for daily use and offers practical rewards.
- ¥0 annual fee, forever
- Up to 15% points return at convenience stores
- Next-day issuance after approval
Mitsubishi UFJ Card Gold Prestige
This card includes extra perks for frequent travelers and spenders.
- First year free, annual charge starts after
- Free domestic airport lounge access and hotel deals
- Special offers for restaurants and amusement parks
Mitsubishi UFJ Card Platinum – American Express
This is a high-tier card with exclusive services.
- Concierge Service for daily support
- Free meals at selected partner restaurants
- Hotel privileges and Priority Pass access
Key Features and Benefits
Each card offers different perks. Here are some common benefits that come with all.
Earn Points on Over 200 Services
You get points when you spend using the card. There are over 200 ways to earn points. You can redeem them for items, travel, or services. It’s easy to track using their mobile system.
Great Value on Annual Fees
Some cards have no fee, others offer free first-year use. Even paid cards come with useful extras. You get good value based on how you use the card. You only pay more if you want extra benefits.
Strong Security System
These cards use a strict fraud protection system. Security is managed by their risk control team. Online use is also protected by strong login steps. If anything happens, you’ll get alerts.
Welcome Bonus
New users may get bonus points after approval. This can go up to ¥15,000 worth. Offers vary depending on the card type. The points go into your account once your card is active.
Points Can Be Redeemed
The points system is simple. 1 point = ¥5 worth of items. You can use it for shopping, food, and more. The system has limits, but it’s useful for regular spenders.
How to Apply Online?
Follow these steps to apply. Prepare your details first before starting.
- Visit the official card site
- Choose your card type
- Log in or sign up for an account
- Enter your personal and work details
- Upload a valid ID (Residence Card or My Number)
- Review and submit your application
- Wait for email or mail confirmation (usually in 1–2 weeks)
Tips to Increase Approval Chances
Follow these tips to avoid delays or rejection. These steps help you submit a complete and accurate application.
- Apply during business hours for faster review
- Use correct and updated information
- Avoid applying for multiple cards at once
- Keep your credit record clean
- Get your documents ready before you begin
What Makes These Cards Different?
These cards come from a trusted financial group and offer more than just payments.
Backed by Mitsubishi UFJ Financial Group
They are issued under a well-established financial group in Japan. This brings added trust and support.
The bank manages card services directly. This setup helps users feel more secure.
Broad Worldwide Use
Cards are accepted through Visa, Mastercard, or American Express. You can use them in local stores or abroad.
This is good for travel and online shopping. Global access is a key benefit.
Lifestyle Perks Vary by Card
Each card type gives specific lifestyle perks. These include hotel benefits, free meals, or airport lounges. The higher the card level, the more perks you get. Choose based on your daily needs.
Fast and Secure Online Tools
Applications are handled quickly online. You can manage your card through secure mobile tools. Alerts and tracking are built in. This helps you control your card safely.
Interest Rates and Fees
Each card comes with different charges and rates. Below are the typical costs to expect.
Annual Fees
Some cards are free, while others have a charge based on benefits. You only pay more if you choose a card with extras. Compare based on your budget. Fee details are shown below.
Standard: ¥0
The standard card has no annual fee forever. It’s a good pick if you want a basic card. You still earn points and get fast processing. There are no hidden charges.
Gold: Free 1st Year, Then Charged
This card is free for the first year. After that, a fee applies yearly. You get access to lounges and perks. Best if you travel often.
Platinum: Higher Fee, More Perks
This version has the highest yearly charge. But you get top-tier services in return. These include concierge support and Priority Pass. It’s designed for frequent users with higher needs.
Purchase APR
Rates change by card type. The average is around 12% to 18%. This is applied to balances not paid in full. Pay monthly to avoid this.
Cash Advance APR
Cash withdrawals use a higher interest rate. This is about 18% yearly. Avoid using this unless it is urgent. It adds up fast.
Late Payment Penalty
If you pay late, a penalty of up to 20% may apply. This can affect your score. Set reminders or auto-pay. Stay on time to avoid extra fees.
Foreign Transaction Fee
International spending adds around 2.2% extra. It applies when using the card abroad. Good to know before traveling. Always check the fee per card.
New Member Bonus
New users can get extra points when they join. Here’s what you need to know.
Get Up to ¥15,000 Worth of Points
You may receive up to ¥15,000 in bonus value. These are given as reward points. You can use them for purchases. Activation is required.
Applies to New Users Only
This offer is for first-time cardholders. You must meet conditions after approval. The bonus won’t repeat. Terms are listed during the process.
Conditions Vary by Card Type
Different cards offer different bonus rules. Some may require a minimum spend. Others may tie the bonus to usage. Read the fine print first.
Points Value
The points system is simple. 1 point equals ¥5 when redeemed. This rate applies to goods and services. Useful for everyday spending.
Contact Information
If you need help, you can reach customer support by phone or online. Visit the official site for card services and support.
Go to the official card site. For help in Japan, call 0570-010-989. For international calls, dial +81-3-5489-6165. Support hours are weekdays, 9:00–17:00 (Japan Time).
Final Thoughts: Applying MUFG Credit Card
This guide helps you understand how to apply online and manage your card. You’ve seen the key features, costs, and approval tips.
The options vary, so choose based on how you plan to use it. Take the time to apply correctly and make the most of your card.
Disclaimer: Information in this article may change. Always confirm details on the official website before applying.