The KASUMI Credit Card is a convenient rewards card designed for shoppers who frequently visit KASUMI and AEON Group stores in Japan.
It offers no annual fee, WAON Point benefits, and compatibility with mobile payments.
This guide explains how to apply online in just a few simple steps.
Overview of the KASUMI Credit Card
The KASUMI Credit Card is issued by AEON Credit Service and is tailored for frequent shoppers at KASUMI and AEON Group stores across Japan.
It combines everyday convenience with point-based rewards and digital payment compatibility.
Key Features and Benefits
- Earn WAON Points on every purchase
- No annual fee for the basic card
- Use at KASUMI, AEON, and affiliated partner stores
- Compatible with AEON Pay, Apple Pay, and WAON mobile
- Access to AEON “Customer Appreciation Days” for store discounts
- Optional ETC card for toll road payments
- Card management via the AEON Wallet app
- Exclusive member promotions and seasonal campaigns
Who Should Consider Applying
This card is ideal for consumers who want to maximize their shopping benefits while keeping costs low.
- If you match the profiles below, this card may be a good fit for your lifestyle.
- Frequent shoppers at KASUMI, AEON, or AEON Group stores
- Residents of Japan are looking for a no-annual-fee credit card
- Individuals who prefer earning WAON Points for everyday purchases
- Users of mobile payment platforms like AEON Pay and WAON
- Drivers who want a toll-compatible ETC card option
- People who wish to access exclusive member discounts and events
Interest Rates and Fees
This section breaks down the key costs you should be aware of before applying online.
- Annual Fee: ¥0 (standard and family cards)
- Revolving (リボ) Interest Rate: 7.8%–18.0% annual percentage rate (APR)
- Cash Advance (キャッシング) Interest: 7.8%–18.0% APR; late repayment interest up to 20.0% APR
- Late Payment Fee: Charged at a penalty rate up to 20.0% APR
- ETC Card Fee: Free annual issuance; waived if used at least once per year
- Installment Fee: Varies; for example, up to 12.42% APR for 24-month installment plans
Basic Requirements for Application
Before you begin the online application, ensure you meet the following basic requirements.
- Age: At least 18 years old (or high school graduate by January 1)
- Mobile Phone: A valid Japanese cellphone number under your name
- Bank Account: Able to set up online direct debit with a Japanese bank (you’ll need your cash card or passbook)
- Address & ID: Japanese residential address and legal photo ID in matching kanji characters
- Internet Access: Smartphone or PC for completing the application between 20:00–21:30 (later submissions may be reviewed the next day)
Step-by-Step Guide to Apply Online
Follow these steps to apply for your KASUMI Credit Card online with ease.
- Visit the Official AEON KASUMI Application Page: Go to the AEON site and find the KASUMI card section.
- Enter Your Mobile Phone Number: Use a valid Japanese cell phone number to initiate the process.
- Fill in Personal and Bank Details: Enter your kanji name, address, and email, and set up bank debit using your passbook or card.
- Submit Between 20:00 and 21:30 if Possible: Applying at this time speeds up screening; after 21:30, it’s reviewed the next day.
- Get Confirmation of Submission: You’ll get a confirmation email—make sure “@email.aeon.co.jp” is not blocked.
- Wait for Credit Screening Results: Results may be available in 5 minutes via email.
- Activate Virtual Card via AEON Wallet: After approval, view your card in the AEON Wallet app and use it right away.
What to Expect After Submission
Once you’ve submitted your application, the process moves quickly. Here’s what typically happens next and how to prepare for each step.
- Screening Duration: AEON may complete the credit check within 5 minutes, but it can also take 1–3 business days, depending on volume.
- Notification Method: You’ll receive an email or SMS with the approval result. Make sure you can receive messages from “@email.aeon.co.jp”.
- Virtual Card Availability: If approved, your virtual KASUMI Credit Card will appear in the AEON Wallet app immediately, ready for online and mobile use.
- Physical Card Delivery: The physical card is mailed to your registered address and typically arrives within 1–2 weeks.
- Card Activation: Follow the activation instructions provided with the card or inside the app. You’ll need to confirm your identity before using it for the first time.
Managing Your Card Online and Via App
Once you receive your card, managing it digitally is secure and straightforward.
The AEON Wallet app and online tools provide you with complete control over your account.
- View Transactions and Statements: Check your spending history and download monthly statements directly in the app.
- Track WAON Points: Monitor your earned points and see how close you are to redeeming them.
- Set or Change Payment Methods: Select between full payment and revolving options and adjust them at any time.
- Receive Alerts and Notifications: Get real-time updates on transactions, due dates, and promotions.
- Use Card Details Online: Instantly view your virtual card number for immediate use after approval.
- Report Lost Card or Freeze Account: Block your card in seconds if it’s lost or stolen using the app’s security settings.
How to Earn and Redeem WAON Points
Learning how to use WAON Points effectively helps you get more value from everyday shopping at AEON-affiliated stores. Here’s how to maximize your rewards:
- Earn 1 point per ¥100 spent at KASUMI, AEON, and participating group stores.
- Bonus earnings on special days, like 5× points during “Customer Appreciation Days.”
- Use mobile payments (AEON Pay/WAON app) to collect points—no physical card is required, as points are automatically collected.
- Redeem points in-store or via the app by applying them as cash toward future purchases.
- Convert to WAON e-money for added flexibility across more retail and online merchants.
- Track your balance and activity anytime in the AEON Wallet or WAON app.
Boosting Approval Odds – Tips Before Applying
Before submitting your KASUMI Credit Card application, it’s a good idea to prepare in advance.
These simple steps can help improve your chances of getting approved.
- Use Your Full Legal Name in Kanji: AEON’s system requires accurate kanji input to verify your identity.
- Provide a Valid Japanese Phone Number: Ensure the number is registered under your name and remains active.
- Prepare Bank Account Info: Have your Japanese bank passbook or cash card ready for automatic debit setup.
- Avoid Multiple Applications at Once: Applying for several credit cards in a short time may lower your approval odds.
- Ensure Your Email Can Receive AEON Messages: Allow emails from “@email.aeon.co.jp” to avoid missing updates.
- Apply During Recommended Hours: Submitting your application between 20:00 and 21:30 may result in faster screening.
AEON Bank Contact Information and Support
If you need help with your card application or account, use the contact details below:
- Phone (Japan Domestic): 0570-071-090
- Alternate Phone (Landlines): 043-296-6200
- Email Support: [email protected] (example – confirm via official site)
- Mailing Address: AEON Credit Service Co., Ltd., 1-5-1 Nakase, Mihama-ku, Chiba-shi, Chiba 261-8520, Japan
To Sum Up
Applying for the KASUMI Credit Card online is quick and straightforward if you meet the basic requirements.
With no annual fee, WAON Point rewards, and mobile compatibility, it’s a practical choice for everyday spending in Japan.
Start your application today and enjoy the benefits that come with being a cardholder.
Disclaimer
This article is for informational purposes only and does not guarantee approval for the KASUMI Credit Card.
Please refer to the official AEON website for the latest terms, conditions, and application details.
