Applying for a Rakuten credit card is one of the easiest ways to access flexible payments and earn rewards in Japan. The process is simple, digital, and designed for both locals and foreign residents with stable income.
Understanding the eligibility, approval process, and available card types ensures a smooth experience. This guide explains everything you need to know before, during, and after applying for your Rakuten Card.
Understanding Rakuten Credit Card
Rakuten Credit Card is among Japan’s most widely used cards, offering strong benefits and convenience for everyday purchases. It provides users access to Rakuten Points, which can be redeemed for shopping, travel, and online payments.
You can link it to other Rakuten services like Rakuten Bank, Rakuten Pay, and Rakuten Mobile for easier account management. Its global acceptance and no-annual-fee option make it a great first card for new applicants.
Why Choose Rakuten Card?
This card offers both accessibility and value through multiple features. You can enjoy worldwide usage, online shopping benefits, and integration with digital wallets.
The approval process is faster compared to other cards, often taking just a few business days. Moreover, customer support is available in English, making it easier for foreign residents to apply confidently.
Rakuten Credit Card Options
Rakuten offers several card types depending on your lifestyle and spending needs. Each comes with unique perks, fees, and eligibility criteria. Here’s what you can expect when choosing your ideal card.
Standard Rakuten Card
This is the most popular option, suitable for beginners or students. It has no annual fee, supports major brands like VISA, JCB, Mastercard, and AMEX, and allows you to earn 1% in Rakuten Points on every purchase. It also supports contactless payments, which are convenient for quick transactions in stores and transportation.
Rakuten Gold Card
The Gold Card is for frequent shoppers and travelers who want extra rewards. It has a ¥2,200 annual fee (tax included) and offers airport lounge access in Japan and abroad.
Cardholders can earn higher point multipliers on Rakuten services and have priority access to promotions. It’s ideal for those who frequently shop or travel for business.
Rakuten Premium Card
The Premium Card provides maximum benefits, including concierge services and worldwide travel insurance. It has a ¥11,000 annual fee and offers access to over 1,300 lounges globally.
This card suits frequent travelers who want extra comfort and stronger support while abroad. You can also earn bonus points on Rakuten Market and affiliated stores.
Eligibility and Requirements
Applying for a Rakuten Card requires meeting a few basic criteria. Below is a summary to help you confirm your eligibility and prepare your details before applying:
- Age and Residence: You must be a resident of Japan aged 18 or older with a stable income.
- Contact Information: A valid Japanese phone number, email address, and Rakuten account are required.
- Student Applicants: Those without income, such as students, can still apply with parental or family support.
- Credit Screening: Rakuten may check your credit score before approval.
- Accuracy: Ensure your name, ID, and bank records match to avoid rejection or manual review.
- Approval Chances: Submitting complete and correct information improves your chances of instant approval.
Rakuten Credit Card Application Process
Applying for the card online takes only a few minutes, and you can complete it from your computer or smartphone. You’ll receive your card by mail once approved.
How to Apply for a Rakuten Card?
Before you begin, ensure you already have a Rakuten account. Follow these official steps to apply successfully:
- Step 1: Visit the official Rakuten Card website and choose your preferred card design.
- Step 2: Log in using your Rakuten ID, or create one if you’re a new user.
- Step 3: Fill in personal details, including your name, address, and employment status.
- Step 4: Provide your bank account information for payment registration.
- Step 5: Review all entries carefully and confirm submission.
- Step 6: Wait for verification and approval, which usually takes 7–10 business days.
- Step 7: Once approved, your card will be mailed to your registered address.
Tips for Faster Approval
Rakuten screens applications based on accuracy and financial stability. Keeping a clean credit record and following guidelines can improve your approval chances.
Best Practices to Get Approved Quickly
Each of these practices shows reliability and helps you move through the screening process smoothly.
- Maintain an active Rakuten account before applying.
- Avoid submitting multiple credit applications at the same time.
- Provide consistent employment and income information.
- Ensure your bank account name matches your Rakuten ID name exactly.
- Respond promptly if Rakuten contacts you for verification.
Interest Rates, Fees, and Repayments
Understanding Rakuten’s fee structure is important before applying. Interest rates vary depending on the type of transaction and card used.
- Annual Fee: Standard Card – Free; Gold Card – ¥2,200; Premium Card – ¥11,000.
- Purchase Interest Rate (Revolving): Approximately 15.00% per year.
- Cash Advance Rate: Around 18.00%, depending on the transaction.
- Repayment Options: Choose between full payment or revolving installments via your registered bank.
- Rewards: Earn 1 Rakuten Point per ¥100 spent; bonus points on Rakuten Market and Rakuten Pay.
Proper understanding of these rates ensures you can manage payments effectively and avoid unnecessary fees.
Managing Your Card with Rakuten e-NAVI
Rakuten e-NAVI is an online platform for cardholders to manage their account easily. It provides access to payment history, reward tracking, and credit limit updates.
You can also redeem points or update your personal details in one place. The e-NAVI app is available for both Android and iOS users.
You can receive instant notifications on payments and new promotions. This tool is essential for keeping your finances organized and staying informed about your Rakuten credit activity.
Common Application Problems and Solutions
Some applicants encounter issues that can delay approval or delivery. Understanding these problems helps you prevent them.
- Incorrect Name: Correct it by logging in to Rakuten e-NAVI and requesting a name change.
- Bank Name Mismatch: Update your bank records to match your Rakuten profile.
- Card Not Received: Contact customer service if 10 business days have passed.
- Rejected Application: Wait six months before reapplying.
- Suspicious Emails: Rakuten never asks for personal data via email.
Solving these issues early saves time and ensures you get your card without complications.
Security and Fraud Prevention
Rakuten prioritizes user safety through strong encryption and strict verification. Only emails from @mail.rakuten-card.co.jp are official.
Always avoid clicking suspicious links or sharing card details online. Report any fraudulent activities directly through the Rakuten support page for immediate assistance.
Rakuten Card Customer Support
For inquiries or assistance, contact Rakuten Card Co., Ltd. directly through their website or phone support.
You can call 0570-66-6910 from within Japan during weekdays, 9:30 AM to 5:30 PM JST. Online help and English FAQs are also available via Rakuten e-NAVI for foreign residents.
Final Thoughts: Get Approved and Start Earning Points Today
Rakuten Credit Card offers a combination of ease, rewards, and worldwide access. Applying online is fast, and once approved, you can start earning points through daily spending.
Remember to check your e-NAVI account regularly and manage your repayments wisely. With accuracy and preparation, getting your Rakuten Credit Card in Japan is straightforward and rewarding.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Rakuten Card Co., Ltd. before applying or using the card.
