The Epos Gold Card is known for its travel perks, point rewards, and partner discounts. This guide explains exactly how to apply and the steps involved.
You’ll also learn the basic requirements and how the review process works. Use this to prepare your application and avoid delays.
What Is the Epos Gold Card?
The Epos Gold Card is a credit card available in Japan. It’s offered by a well-known issuer and used for shopping, travel, and online payments.
This card is often chosen by users who want added services. It includes benefits like reward points and limited insurance.
The application is open to people meeting basic eligibility rules. It works with many stores and offers digital account access.
Key Benefits Of The EPOS Gold Card
This section explains the main features that come with having the card. You’ll see what rewards, fees, and extras are included.
Point Rewards System And Redemption Options
You earn points every time you use the card. These points can be used for shopping, gift cards, or paying bills.
Some partner stores offer higher point rates. All points are tracked online through your account.
No Annual Fee – Conditions May Apply
There’s no annual fee if you meet certain usage conditions. These may include spending a specific amount per year.
If not met, a small yearly charge may apply. Always check the latest rules before applying.
Travel Insurance Coverage
The card includes basic travel insurance. This covers accidents or injuries during trips if paid with the card.
The coverage has a limit and applies only under certain conditions. Full policy details are listed on their site.
Exclusive Partner Discounts
Some shops offer special discounts for cardholders. These include fashion, dining, and entertainment spots.
Offers may change every season. You can check active deals in your online account.
Eligibility Requirements
You need to meet some basic conditions to apply. These requirements help ensure approval and reduce delays.
Age Requirement – Usually 18 Years And Older
Applicants must be at least 18 years old. Some cards require 20 or older if applying independently. Those under 20 may need guardian consent. Age is checked during identity verification.
Must Be A Resident In Japan Or Hold A Valid Long-Term Visa
Only those living in Japan can apply. You must have a valid residence card or long-term visa.
Tourist visas are not accepted. Your address must match your submitted documents.
Stable Income Or Employment Status May Be Required
Regular income improves your chances. You may need to show pay slips or employment info.
Self-employed users must provide financial details. Unstable income may lead to rejection.
Valid Japanese Phone Number And Address
You must provide a local phone number. Prepaid or inactive numbers may not work.
The address must be within Japan and verified. All communication goes through this info.
Step-By-Step Application Process
This part explains the exact steps you need to follow. It covers both online and app-based methods.
Visit the Official Website Or Apply Via App
Go to the official site or download the mobile app. Both platforms offer the same form. Check your details before starting. Application may take 10–15 minutes.
Fill Out Personal And Employment Details
You’ll enter your name, date of birth, and address. Employment details include your job type and income. Make sure all info is accurate. Wrong entries delay approval.
Upload Identity Verification Documents
You’ll need to upload a valid ID, like a residence card. Some may ask for a utility bill or payslip.
Documents must be clear and unedited. Submit them in JPG or PDF format.
Submit And Wait For Review And Approval
Once submitted, your data is checked. Review time varies, but it usually takes a few days.
You’ll receive an email or postal message. If approved, the card will be mailed to your address.
Review And Approval Timeline
You’ll need to wait a short time after applying. This part explains what happens during the review process.
Initial Review May Take A Few Business Days
The first review usually takes 2–5 business days. Your submitted details are checked for accuracy.
If everything matches, the process continues. Delays can happen if the information is missing or unclear.
Additional Checks If Required (e.g., Income Verification)
Some applicants may need to submit income proof. This happens if your job type or income level needs confirmation.
Common documents include pay slips or tax forms. You’ll get an email if more info is needed.
Notification Via Email Or Mail
Once reviewed, you’ll receive an approval or rejection notice, which will be sent by email or postal mail, depending on your contact method.
Check both regularly to avoid missing updates. Use your reference number if you contact support.
Card Is Mailed Upon Approval
If approved, your card is printed and mailed. Delivery usually takes a few more business days. It arrives at the address you submitted. Make sure someone is available to receive it.
How To Activate And Use Your Card?
After receiving your card, follow these steps to activate and use it properly. You’ll also learn how to access your account and rewards.
Activation Instructions
To activate, go to the official website or call the service number. Enter your card number and personal info.
Activation only takes a few minutes. You’ll get a confirmation message when it’s done.
Setting Up Online Account Access
Create an account on the Epos site. You’ll use this to track spending and view statements.
Use a strong password and save your login info. This step is needed to access other features.
Linking To Epos Net Portal For Rewards
Log in and connect your card to the Epos Net portal. This lets you see point balances and available offers.
Points are added automatically after purchases. You can redeem them from the portal anytime.
Using It In-Store And Online
The card works at physical stores and online shops. Make sure to sign or enter your PIN.
You’ll earn points with each use. Just check the store accepts the network listed on your card.
Interest Rates And Fees
Know the costs before using your card. This section breaks down the main rates and charges.
Standard APR: Usually 15.0%
The usual interest rate is around 15.0%. It applies if you carry a balance past the due date.
No interest is charged if paid in full. Rates may change depending on updates from the issuer.
Cash Advance Rate: 18.0%
Cash withdrawals have a higher APR of 18.0%. Interest starts from the day of the transaction.
There might also be a small service charge. Avoid unless needed.
Late Payment Penalties
If you miss a due date, a late fee is added, and interest temporarily increases. Late payments can affect your credit record. Always pay on or before the due date.
Currency Conversion And Foreign Transaction Fees
International purchases may include a conversion fee. This is usually a small percentage added to the purchase amount.
Fees may vary by country or region. It’s listed clearly on your billing statement.
Contact Details
For help, call 03-3383-0101 (Japanese only). You can also visit the official site: https://www.eposcard.co.jp.
Support counters are available in Marui department stores. Bring your ID and card when visiting in person.
Disclaimer: Terms and features may change without notice. Card approval depends on the issuer’s final review.
Final Thoughts – The Bottom Line
The Epos Gold Card offers useful features and a simple application process. It’s also easy to activate and manage with online tools.
Please understand the fees and approval steps. Apply only when you’re ready to use it responsibly.
