If you're looking to apply for a TS CUBIC Credit Card, it's important to understand how it works. This guide walks you through the key benefits, how to request the card, and how you can earn and use points.
It also explains point validity, usage conditions, and how to contact customer support. Whether you're using it for daily shopping or car-related purchases, here's what you need to know.
What Is the TS CUBIC Card?
The TS CUBIC Card is a credit card issued by Toyota Finance Corporation for daily purchases and Toyota-related payments.
It comes in Gold, Select, and Regular types, each with different benefits and validity periods. You can earn and redeem points at Toyota dealerships, partner stores, and select online platforms.
It's accepted for expenses like car purchases, maintenance, and accessories. The card offers loyalty rewards that make it ideal for regular Toyota service users.
Key Features and Benefits
This card offers a reward structure that gives more value for specific purchases. Let’s look at how the TS CUBIC point system works and how it benefits you.
Features and Benefits – Point Accumulation System
Here’s how the TS CUBIC point system helps you earn more from your spending:
- Earn 10 points per ¥1,000 on standard purchases made anywhere.
- Get up to ¥1.5 value per point when used at Toyota or Daihatsu stores.
- Earn 15 points per ¥1,000 at PointPlus affiliated stores (1.5x rate).
- Earn 20+ points per ¥1,000 at Point Up Market Web (2x or more).
- Gold card points expire after 3 years; Select and Regular after 2 years.
- Points issued before March 31, 2022, are valid for 5 years.
Always track your expiration dates in your portal to avoid losing unused rewards.
How to Request a TS CUBIC Card?
Applying for this card is simple if you meet the basic criteria. Here's what you need to know before you start the process.
Basic Requirements
Here’s what you need before applying for the TS CUBIC Credit Card:
- Be at least 18 years old at the time of application.
- You must be a resident of Japan.
- Have a stable income or submit proof of financial support.
- Provide valid identification (e.g., driver’s license, residence card).
- Some applicants may need to submit income verification documents.
- If you already have credit history in Japan, it will be reviewed.
Application Methods
You can apply for the card either online or in person. Follow these steps:
- Visit the official website to start the online application.
- Fill in your details, upload your ID, and submit the form.
- Alternatively, go to a Toyota dealership and apply in person.
- Dealership staff will help you complete and file the paperwork.
- If you need support, call: Tokyo: 03-5617-2511 and Nagoya: 052-239-2511
- After applying, wait 7–14 days for processing and approval.
- You may receive a verification call during this time.
- Once approved, your card will be mailed to your registered address.
- Keep all required documents ready to speed up the process.
Interest Rates and Repayment
Understanding the financial terms is essential before using your TS CUBIC Card. The APR ranges from 14.5% to 18.0%, with higher rates for cash advances and revolving payments.
You can choose one-time, revolving, or installment options, but always read the terms carefully. Points are awarded based on your billing cycle—either the 15th or 30th, depending on the payment date.
Pay on time and monitor your statements regularly to avoid penalties and protect your credit score.
Additional Ways to Save More
Beyond everyday purchases, TS CUBIC gives you multiple bonus opportunities. These help you maximize savings without much extra effort.
You can earn extra points by charging your TOYOTA Wallet. Using it for daily payments increases your monthly total.
Shopping at PointPlus stores earns 15 points per ¥1,000. Using the Point Up Market Web for online shopping gives 20+ points per ¥1,000.
Other ways to earn:
- Add a family card to pool points.
- Gold members get access to the Toyota Finance Travel Desk.
- Watch for seasonal outing campaigns to earn increased points.
These bonus systems are available throughout the year. They make your spending more valuable. Even small purchases add up fast when they qualify. Keep an eye on the official campaign calendar.
Tips to Maximize Your TS CUBIC Card
Follow these practical tips to get the most value from your card:
- Use the card for Toyota maintenance, inspections, and services to earn higher-value rewards.
- Combine points from family cards to reach redemption thresholds faster.
- Visit the Point Up Market Web often to catch 2x or higher point campaigns.
- Set up auto-pay to avoid late fees and protect your point-earning privileges.
- Track point expiration dates and set reminders to redeem them in time.
- Use the TOYOTA Wallet app to monitor your balance and streamline redemptions.
Common Mistakes to Avoid
- Avoid these common errors to ensure you get the full benefit of your TS CUBIC Card:
- Don’t ignore point expiration dates—log in regularly to track your remaining validity.
- Avoid using the card for non-qualifying purchases like ETC, gas, or mobile phone bills.
- Review the APR and payment options before applying to avoid unexpected interest charges.
- Don’t assume points are credited immediately—check your billing cycle to understand timing.
- Stay updated on changing terms and campaign offers by visiting the official site frequently.
Disclaimer: Some restrictions apply—cashback isn’t allowed for gasoline, ETC, or mobile phone bills, and points may expire if unused. Rates, rewards, and eligible transactions can change anytime, so always check the latest TS CUBIC Point Program Terms.
Ready to Apply? Here's What You Should Remember
Getting a TS CUBIC Card is simple and brings real benefits. If you’re a regular Toyota user, you’ll get great returns on your spending.
The point system is flexible, with daily shopping and car expenses rewards. Use all bonus opportunities and track your points before they expire.
If you need support or want to speak with an agent, use these contact numbers:
- Tokyo Office: 03-5617-2511
- Nagoya Office: 052-239-2511
Use your TS CUBIC Card wisely to earn more, save more, and manage your finances.
