The Mizuho Mileage Club Credit Card is a travel-focused credit card offered by Mizuho Bank in partnership with JAL.
It allows users to earn JAL miles on everyday spending while managing their finances through Mizuho’s online banking.
This guide explains the card’s key benefits, fees, and how to apply easily in Japan.
Main Features and Benefits
Here are the main features and benefits of the Mizuho Mileage Club Credit Card.
This card is designed for Mizuho Bank customers who want to earn airline miles while enjoying seamless account integration and practical everyday perks.
JAL Mileage Rewards
- Earn miles automatically with every purchase.
- Bonus miles are available for JAL ticket purchases and partner usage.
- Miles are credited directly to your JAL Mileage Bank account.
Mizuho Bank Integration
- Link your card with your Mizuho Bank account.
- Manage spending, view statements, and set payment methods through Mizuho Direct.
- Real-time alerts and transaction summaries via the Mizuho app.
Optional ETC Card
- Add an ETC card for highway toll payments.
- Convenient for daily commuters and drivers in Japan.
- Separate billing is available for ETC usage.
Family Cards
- Issue supplementary cards to family members.
- Earn miles from combined household spending.
- Centralized billing and account control.
Travel Accident Insurance
- Coverage for domestic and international trips.
- Applies if travel expenses are charged to the card.
- Insurance amount varies based on card usage and destination.
Shopping Protection
- Limited coverage is available for accidental damage or theft of eligible items.
- Applies to items purchased using the card.
- Coverage details vary by item and purchase location.
Exclusive Campaigns and Offers
- Access special JAL promotions for cardholders.
- Participate in limited-time bonus mile campaigns.
- Seasonal discounts and rewards are available through Mizuho and JCB/Visa.
Visa or JCB Network Options
- Choose between Visa (global acceptance) or JCB (strong domestic support).
- Access to exclusive partner benefits depending on the network.
- Card features remain the same regardless of brand.
Travel and Lifestyle Benefits
The card offers several travel and lifestyle benefits that make it especially appealing to frequent flyers and everyday users in Japan.
These perks go beyond mileage rewards, adding value through insurance coverage and purchase protection.
Travel Accident Insurance
- Provides coverage for both domestic and international travel.
- Activated when travel fares are paid using a credit card.
- Compensation amounts vary based on the destination and card usage.
Shopping Protection Insurance
- Covers accidental damage or theft of eligible items bought with the card.
- Applicable to both domestic and overseas purchases.
- Protection is valid for a limited period after purchase (usually 90 days).
Airport Benefits (JCB cardholders)
- Access to select airport lounges in Japan and overseas with the JCB version.
- Complimentary or discounted lounge entry is available depending on location and card use.
Exclusive Member Campaigns
- Access to JAL promotions exclusive to Mileage Club Card members.
- Occasional offers like bonus miles, early access to ticket sales, or limited-time cashback events.
Everyday Lifestyle Perks (JCB/Visa)
- Use JCB or Visa partner discounts at restaurants, online stores, and travel agencies.
- Domestic offers through JCB Plaza or Visa Japan promotions.
Interest Rates and Fees
The card comes with standard interest rates and fees commonly seen in Japan.
Reviewing these costs before applying ensures the card fits your financial habits and travel goals.
- Annual Fee (Main Card): ¥1,375 (tax included)
- Annual Fee (Family Card): ¥440 (tax included)
- Note: The first year’s annual fee may be waived depending on ongoing promotions.
- Revolving Payment Interest Rate: Approx. 15.0%
- Cash Advance Interest Rate: Approx. 18.0%
- Installment Payment Interest Rate: Varies by plan, typically between 12% and 15%
- ETC Card Issuance Fee: ¥1,100 (one-time)
- Card Reissue Fee (Lost/Damaged): ¥1,100
- Foreign Transaction Fee: Around 1.6% of the total amount spent abroad
- Late Payment Fee: Applied if payments are missed; the rate and penalty vary by usage type
Eligibility and Requirements
To apply for this credit card, you must meet a few basic conditions set by Mizuho Bank and the issuing network.
These requirements are typical for credit card applications in Japan and ensure that applicants are financially responsible and legally eligible.
- Age Requirement: Must be 18 years or older (high school students are not eligible)
- Residency: Must reside in Japan with a valid residential status
- Bank Account: Required to have an active Mizuho Bank account
- Identification: Valid government-issued photo ID (e.g., My Number Card, driver’s license)
- Contact Information: Japanese phone number and mailing address
- JAL Mileage Bank Number: Needed to link mileage earnings (can be created during application)
- Income Information: May be required depending on the card type or the applicant’s financial profile
How to Apply
Applying for the Mizuho Mileage Club Credit Card is straightforward, with online and in-person options. Here's how you can proceed:
Online Application
- Log in to your Mizuho Direct account.
- Navigate to the credit card application section.
- Complete the application form with your personal and financial details.
- Submit the form and await confirmation.
In-Person Application
- Visit a Mizuho Bank branch near you.
- Bring necessary identification documents (e.g., My Number Card, driver’s license).
- Consult with a bank representative to fill out and submit your application.
Required Documents
You'll need to prepare a few key documents to complete your application smoothly.
These are standard for credit card applications in Japan and help verify your identity, residency, and financial stability.
Government-Issued Photo ID
- My Number Card (Individual Number Card)
- Driver’s License
- Residence Card (for foreign nationals)
Mizuho Bank Account Information
- Bankbook or digital account details if applying at a branch
- Mizuho Direct login credentials for online application
Income Verification (if requested)
- Recent payslip or tax certificate
- Proof of employment or annual income summary
Contact Details
- Current residential address in Japan
- Valid Japanese phone number and email address
JAL Mileage Bank Number
- Needed to link your mileage account
- You can apply for one during the credit card application if you don’t have it yet.
Processing Time
Once you've submitted your application, it's essential to understand the typical timeline for review and delivery.
The process is generally efficient, but may vary slightly based on how and when you apply.
Application Review
- Most applications are reviewed within 1 to 2 weeks.
- Delays may occur if additional documents are requested or if there are public holidays.
Card Issuance and Delivery
- After approval, the card is usually mailed within 7 to 10 business days.
- Delivery is made to your registered address in Japan.
Notification
- You may receive an update via the Mizuho Direct app or by mail.
- If applying at a branch, staff may provide an estimated timeline.
Contact Information
If you need assistance or have questions about your application, you can contact Mizuho Bank using the details below.
- Address: Otemachi Tower, 1-5-5 Otemachi, Chiyoda-ku, Tokyo 100-8176, Japan
- Phone Number: +81-(0)3-3214-1111
Conclusion: Who Should Consider This Card?
The Mizuho Mileage Club Credit Card offers a solid mix of travel rewards, banking convenience, and lifestyle benefits, especially for frequent JAL flyers.
With manageable fees and easy integration into your Mizuho account, it’s a practical choice for users in Japan.
If the features match your needs, visit a Mizuho branch or apply online to get started today through Mizuho Direct.
Disclaimer
The information provided in this article is for general reference only and may be subject to change without notice.
Please check the official Mizuho Bank website or contact customer service for the most up-to-date terms, fees, and eligibility details.
