There are so many credit cards right now that promise different things but fail to deliver what you truly want. While there are many of those kinds of credit cards, the Life Card is an exceptional card to have.
The LifeCard is not just your ordinary credit card. It is one of the smartest credit cards, loaded with many features and able to help you with your finances. This card is one of the few standouts when it comes to credit cards in Japan.
Check out the article below to learn more about the Life Card and how to apply online.
What You Need to Know About the Life Card
The Life Card is filled with so many features and benefits that you can thoroughly enjoy.
It can help you with your finances while also allowing you to enjoy the perks that the card offers. The credit card is known to be one of the best credit cards in Japan.
Check out what you need to know about the Life Card below.
A Generous Welcome Offer
When you apply for the Life Card, you gain access to a lot of features, one of which is their generous welcome offer. You get up to 10,000 yen as cashback during your first 3 months of opening the account.
After 4 months, you get an additional 5,000 yen as cashback. To get the rewards, you need only log in to their mobile banking app, do online shopping, link your card to Apple Pay or Google Pay, or subscribe to your favorite streaming service.
Take note that this is only available for those who have an available limit of over 30,000 yen.
Earn Reward Points
The Life Card also has a unique reward points system, in which you gain more points the more you use the card over the years.
During your first year, you get 1 reward point for every certain number of transactions, and a few months later, it will increase to 1.5 reward points. After a year of using the credit card, you will then receive 2 reward points per transaction.
What's even great is that you get 3x the amount of points that you receive on your birth month so go ahead and use the card for your birthday celebrations.
How to Use Your Reward Points
Once you have garnered enough points, these points will be automatically carried over for the next two years. After that, you will need to manually transfer them. You can then use your reward points and redeem or transfer them to other platforms.
You can either transfer and convert your points into Rakuten points or miles. Cardholders can also convert their points into cashback, add them to their accounts, or use them to pay for other fees.
Lastly, your points can also be redeemed for gift cards, such as Aoyama, JCB, or V-Preca gift cards.
What About the Annual Fee and Interest Rates?
Here's where things get very interesting with the Life Card. If you use the card every year, you will never have to pay an annual fee.
You only need to use the card once every year for the annual fee to be waived. You won't be charged an annual fee in your first year but if you're not able to use the card in the following years, you will be charged a fee of 1,100 yen which also includes taxes.
As for interest rates, the rates differ from one cardholder to the next as it depends on your creditworthiness.
Contact Details
You can call their customer service hotline for any inquiries regarding the card through the number 0120-17-9193.
The hotline is open for business only on weekdays and is closed on weekends and holidays. You can use the hotline to receive updates on your application or to ask questions about your card, including transactions and account management.
You can also visit their main office at Banzai Building 2-31-19 Shiba Minato-Ku, 105-0014, Japan.
How to Apply for the Life Card Online
Applying for the Life Card online is very convenient. You can always visit their main office to apply, but that may take a lot of your time.
It is much faster and easier to apply online but you still need to prepare the requirements and learn the entire application procedure to get things done.
Preparing the Requirements
To apply for the Life Card, you need to be 18 years old and a resident of Japan. You will also need to prepare several documents to prove that you are indeed of legal age and you are a citizen.
You are required to provide them with proof of income which includes your income tax return, bank statements, or your monthly pay slips. These will be requested from you during your application.
Applying Online
Once you have the requirements prepared, head over to the official website and click on Apply Now. You will need to choose the kind of card you want to have.
Make sure to read the terms and conditions thoroughly then click on Agree to proceed with the application.
Next, fill out the online application form with your details, and on the next page, upload all of the requested documents to complete your application.
Approval and Activation
It will take some time before you receive a notification of approval from your online application. Some might take a few days before they receive the notification.
Once you receive the approval, the card will be sent to you by mail. After receiving the card, make sure that you activate it to begin using it.
It is also highly recommended that you download the mobile banking app and link the card to your account to unlock more perks and features.
Conclusion
If you want a card with many benefits and discounts, you can always check out the Life Card. This amazing credit card makes it very convenient to travel around Japan and enjoy your experience. Make sure to check out the full details at their official website and apply today!
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
