If you’re living in Japan or planning to move there, a MUFG Credit Card could be a reliable financial tool.
Offered by Mitsubishi UFJ NICOS, one of Japan’s leading financial institutions, this card provides secure payment solutions, travel perks, and customer rewards.
In this article, you’ll learn how to apply online, understand key features and benefits, explore rates and fees, and find the right card.
What is MUFG?
Mitsubishi UFJ Financial Group (MUFG) is one of the largest financial institutions in the world and the largest bank in Japan by assets.
Headquartered in Tokyo, it provides a broad range of financial services, including commercial banking, trust banking, securities, credit cards, and leasing.
It plays a key role in international finance, often ranking among the top 5 global banks. It has alliances with institutions such as Morgan Stanley in the United States
It is the parent company of several subsidiaries, including Mitsubishi UFJ NICOS, which is the issuer of the credit cards.
Types of MUFG Credit Cards
The bank offers a variety of credit cards tailored to different user profiles. Here are some of the most popular:
- MUFG Card VIASO (VIASOカード): A cashback card with no annual fee and automatic reward transfers.
- MUFG Card Gold: Offers travel insurance and concierge services with low annual fees for a gold-tier card.
- MUFG Card Platinum American Express: Comes with premium services like lounge access and concierge support.
- MUFG Card Smart: Targeted at young professionals, with mobile-friendly features and lower credit limits for easy management.
Each card comes with different benefits and application requirements, so it’s best to compare them before applying.
Key Features of MUFG Credit Cards
These cards stand out for their blend of convenience, reward programs, and global usability. Key features include:
- Global Acceptance: Compatible with Visa, MasterCard, JCB, and American Express networks.
- Online Account Access: Check balances, manage payments, and redeem points via the MUFG credit card login portal.
- Mobile App: Access your card and payment info via its app, which is available in both Japanese and English.
- Contactless Payments: Many cards come with ID or QUICPay for tap-to-pay ease.
- Emergency Card Reissue: Lost or stolen cards can be quickly replaced, even when overseas.
Benefits of MUFG Credit Cards
You can earn points or cashback on eligible purchases, redeemable for merchandise, miles, or account credit.
Many cards include overseas accident insurance, offering peace of mind for frequent travelers.
You can get a lot of savings. Discounts and promotions for dining, shopping, and entertainment in Japan and abroad.
Some cards, such as the VIASO Card, have zero annual fees under certain conditions. Limits are tailored to your income and financial background.
Eligibility Requirements
To apply, applicants typically need to meet the following criteria:
- Must be at least 18 years old
- Have a stable income (for some cards, students or part-time workers may be eligible)
- Hold a valid residence address in Japan
- Have a working phone number and email address
Foreign applicants may need to provide additional identity verification documents.
How to Apply Online
Follow these steps:
- Visit the MUFG Credit Card Application Page: Go to the official MUFG NICOS website.
- Choose a Card: Browse the card options and select the one that fits your needs.
- Click “Apply Now”: Look for the button.
- Fill in the Form: Provide your name, address, employment details, and income.
- Submit Documents: Upload ID, residence card, or My Number card as required.
- Review and Submit: Check all information and submit the application.
After submission, you can track your status or update your application via the MUFG credit card login portal.
Interest Rates and Fees
Before applying, it’s crucial to understand the rates and potential fees. Here’s a general breakdown:
Annual Fee:
- VIASO Card: ¥0
- Gold Card: Around ¥2,095
- Platinum: Approx. ¥22,000 (includes premium services)
Interest and other fees:
- Purchase APR: ~15.0% annually on revolving balances
- Cash Advance APR: 14.95% – 17.95%, depending on the card and withdrawal type
- Late Payment Penalty: Around 20.0% APR on overdue balances
- Foreign Transaction Fee: ~1.6% of the total transaction amount for international purchases
Note: Rates can vary slightly based on card type and agreement terms. Always review the terms before signing.
MUFG Credit Card Customer Service
If you have questions or issues, customer service is available in both Japanese and English. Here’s how to get in touch:
- Phone (Domestic): 0570-050535
- Phone (International): +81-3-5489-6165
- Online Inquiry: Use the contact form available at MUFG NICOS official site
- Address: MUFG NICOS Co., Ltd. Headquarters, Tokyo Midtown Hibiya, 1-1-2 Yurakucho, Chiyoda-ku, Tokyo 100-0006, Japan
Customer support typically operates on weekdays from 9:00 AM to 5:00 PM (JST).
Tips for a Successful Application
To increase your chances of approval, ensure you meet the income and residency requirements. Choose a card that matches your financial profile.
A valid Japanese residence card or My Number card is usually needed, and a strong Japanese credit record will boost approval odds.
Use those two things to your advantage.
If there’s no response within 2 weeks, contact customer service.
What Users Say – MUFG Credit Card on Reddit
Users on forums like Reddit threads often praise the card’s wide acceptance, especially abroad.
English-speaking expats appreciate the relatively easy MUFG credit card English login options and responsive customer service.
However, some users mention delays in approval or card delivery, especially for first-time applicants without a Japanese credit history.
Conclusion
MUFG credit cards provide an excellent mix of convenience, affordability, and premium features.
Whether you’re a student, an expat, or a business traveler in Japan, there’s a card for your lifestyle.
Applying online is easy, and with the right documents and preparation, you can enjoy seamless payments, rewards, and travel perks in no time.
Disclaimer: All rates and fees mentioned are based on publicly available information as of April 2025 and may change without notice. Always refer to the official MUFG website or contact MUFG customer service for the most up-to-date details before applying.
