This EPOS Card offers Japanese residents an easy and rewarding way to manage spending. If you’re planning to apply, it’s essential to understand the process and benefits clearly.
This guide covers the application process, how to use the card, and exclusive membership perks. Learn how to make the most of your membership.
What Is the EPOS Card?
The card is issued by EPOS Card Co., Ltd., a registered financial company in Tokyo. It provides access to two credit card types: Visa Cards and Proper Cards.
Both types can be used at stores affiliated with Visa in Japan and abroad. Cards are owned by the company and lent to approved users.
These cards are only valid for use by registered members. When issued, the card must be signed immediately. This confirms your acceptance of card ownership and terms.
Who Can Apply for an EPOS Card?
To apply, you must meet the company’s eligibility criteria. Applicants must have a stable address in Japan and a working mobile number.
Foreign residents must provide a valid ID and proof of residency. The company will verify your eligibility before approving your membership.
Approval is based on your submitted application and the company’s internal evaluation. Once accepted, you will be notified, and the card will be sent to your address. Membership is considered active upon approval.
How to Apply for an EPOS Card?
You can apply for an EPOS Card through simple steps, either online or in-store. The company allows fast processing with minimal requirements. Here’s what you need to know about each application stage.
1. Choose How You Want to Apply
You can apply online via the EPOS website or visit a Marui department store. Both methods are available in Japanese and offer support. Online is quicker and often more convenient. In-store applications may offer same-day card issuance.
2. Prepare Your Personal Details
You must provide your full name, address, phone number, and date of birth. A working Japanese mobile number is required. Foreign nationals must show residence documents. EPOS uses this to verify your identity.
3. Submit Identification
Standard applications do not require uploading documents. However, ID may be checked later during the review. Acceptable forms include residence cards or Japanese driver’s licenses. Always keep your identification details ready.
4. Wait for Approval
Approval usually takes a few business days. EPOS will notify you by email or SMS. In some cases, you may receive a follow-up call. Your card will be sent by mail after approval.
5. Activate Your Card
Once you get the card, sign the back immediately. This activates the card and confirms ownership. You must use the card only after signing. Don’t share the card or personal information with anyone.
Card Usage Rules and Security
Using the EPOS Card comes with strict rules for member safety. The card must not be lent or transferred to anyone.
You’re responsible for keeping your card number and PIN confidential. Members are expected to avoid simple PINs like “1234” or “0000.”
You must also protect your Visa Secure code (if used). All card debts remain your responsibility unless EPOS confirms a breach beyond your control.
Types of Payments Accepted
It supports multiple payment methods for different user needs. Each payment type has its own terms and service conditions. Choosing the right payment option helps manage your spending and avoid interest.
- One-Time Payment: Pay the full amount by the due date with no interest.
- Revolving Payment: Spread payments monthly with a 15.0% annual rate.
- Split Payment: Choose 3 to 36 fixed monthly installments.
- Bonus Payment: Available for special seasonal purchases.
Monthly Payment and Service Fees
Understanding the payment structure is important for budgeting. It offers standard and long-term courses for revolving payments.
Each plan has a fixed monthly amount based on your balance. For example, under the standard course, a balance of ¥50,000 requires a monthly payment of ¥3,000.
Larger balances require higher payments. Fees are calculated based on your payment amount, balance, and service days.
Exclusive Member Perks
Being a member comes with a range of benefits. These include shopping rewards, discounts, and travel insurance. Making the most of these perks can increase the value of your card.
- EPOS Points: Earn points on purchases, redeemable for gifts or cash equivalents.
- Marui Store Discounts: Special sales and coupons for cardholders.
- Travel Insurance: Coverage for trips paid with the card.
- EPOS Net Access: Online tracking of usage, payments, and statements.
Card Usage Limits and Restrictions
Your card usage limit is set during the application based on your credit evaluation. It may be increased or decreased depending on your history.
EPOS will inform you if limits change upon card renewal. If you hold multiple EPOS Cards, only the highest usage limit will apply.
You cannot use the card beyond the assigned limit. Overspending can lead to declined transactions or suspension.
How to Cancel or Suspend the Card?
You can request to cancel your EPOS Card anytime. The company may also suspend the card for misuse or non-payment.
Cancellation requires you to settle any outstanding balance. If you cancel, you must inform any subscription services or merchants using your card.
The company is not responsible for failed payments after cancellation. Always confirm changes with service providers.
EPOS Card Contact Details
EPOS Card Co., Ltd. is based in Nakano, Tokyo, and handles all credit card-related inquiries. If you need help with applications, cancellations, or transactions, contact their support via EPOS Net.
They assist with phone or website inquiry forms. The main office is located at 4-3-2, Nakano, Nakano-ku, Tokyo 164-8701.
They are licensed under the Kanto Local Finance Bureau Director #01386 for money lending. They are also registered under Kanto (Comprehensive) #7 as a credit purchase mediator.
Interest Rates Overview
Interest charges apply to revolving and split payments. One-time payments are interest-free if paid in full on time.
The standard revolving interest rate is 15.0% annually. Split payment plans also carry a 15.0% rate, with fees starting from 2.51 JPY per 100 JPY used.
The total amount paid depends on the repayment term. You can review the fee tables on the EPOS website.
Final Thoughts: Start Your EPOS Card Membership Today
Applying is simple, and the benefits make it a practical tool for everyday purchases. If you apply, be sure to follow the guidelines and use the card responsibly.
From flexible payments to member rewards, the card is designed to work for you. Get started today and enjoy the convenience and perks that come with membership.
Disclaimer: EPOS may change card terms anytime without prior notice. You must protect your PINs and card information at all times.
