The MUJI Card is a credit card designed for fans of MUJI’s minimalist lifestyle products in Japan.
It offers exclusive rewards, including MUJI Points and shopping perks, with no annual fee.
This guide will show you how to apply online and start enjoying the benefits.
What Is the MUJI Card?
The MUJI Card is a credit card that offers point rewards and shopping benefits for MUJI customers in Japan.
- Type: Credit card issued by Credit Saison
- Target Users: Residents of Japan who frequently shop at MUJI and want to earn MUJI Points
Key Features and Benefits
It comes with several perks tailored for regular MUJI shoppers, making it easy to earn and redeem rewards while enjoying added convenience.
- MUJI Points on Signup and Anniversaries: Get 1,000 points at approval, plus bonus points on your birthday and card anniversary.
- No Annual Fee: Enjoy all the benefits without paying a yearly fee.
- Exclusive Shopping Perks: Get access to limited-time coupons, member-only events, and seasonal promotions at MUJI stores.
- Point Integration with MUJI Passport App: Easily link your card to the MUJI Passport App to track and use points in-store or online.
- Travel and Purchase Protection: Includes basic insurance for domestic and overseas shopping, depending on the purchase type.
- Convenient Payment Options: Set up automatic monthly payments through your Japanese bank account.
Interest Rates and Fees
Understanding the costs associated with the card is crucial for effective financial planning. Here's a breakdown of the key fees and interest rates:
- Annual Fee: No annual fee; the MUJI Card is free to hold indefinitely.
- Interest Rate: Standard purchases incur an annual interest rate of approximately 15%.
- Cash Advance Fee: Cash advances are subject to an interest rate of around 18% per annum plus a transaction fee of 3% of the amount withdrawn.
- Late Payment Fee: A late payment fee of 5% of the overdue amount is charged if the minimum payment is not made by the due date.
- Foreign Transaction Fee: Transactions made in foreign currencies are subject to a 2% conversion fee.
- Balance Transfer Fee: Transferring balances from other cards incurs a fee of 1% of the transferred amount.
Eligibility Criteria
To apply for the MUJI Card online, you must meet a few basic requirements. These ensure your application can be processed smoothly by Credit Saison.
- Age Requirement: Must be at least 18 years old.
- Residency: Must live in Japan.
- Phone Number: A valid Japanese mobile number is required.
- Address: You need a registered address in Japan.
- Bank Account: A Japanese bank account is necessary for billing and payments.
How to Apply Online
Follow these simple steps to apply for the MUJI Card through the official website:
- Visit the MUJI Card website: Search for “MUJI Card Credit Saison” and access the official application page.
- Click “Apply Now” (お申し込みはこちら): This will take you to the online application form.
- Fill out the form: Enter your name, birthdate, address, phone number, employment, income, and bank account details.
- Upload your ID: Submit a photo ID such as a My Number Card, driver’s license, or residence card.
- Review and submit: Double-check the info, agree to the terms, and submit the form.
- Wait for approval: Screening takes 3–7 business days; you’ll be notified by email or mail.
- Receive and activate the card: If approved, your MUJI Card will be mailed to you with activation instructions.
After Submitting: What Happens Next?
Once you’ve submitted your application, the review and approval process begins. Here’s what you can expect after applying:
- Application Review: Credit Saison will review your information and documents.
- Screening Period: The review usually takes 3 to 7 business days.
- Approval Notification: You’ll receive an email or mail informing you whether your application was approved.
- Card Delivery: If approved, the MUJI Card will be sent to the address you have registered.
- Card Activation: Follow the instructions included with your card to activate it before use.
Using the MUJI Card Effectively
To get the most out of your card, it's essential to understand how to utilize its features and benefits in everyday life.
Here are practical ways to maximize your rewards and convenience:
- Earn and Use MUJI Points: Use the card for purchases at MUJI stores and collect points that can be redeemed for future shopping.
- Link with the MUJI Passport App: Sync your card with the app to track points, access coupons, and manage your rewards easily.
- Shop During MUJI Week: Take advantage of bonus points and exclusive discounts offered during special promotional periods.
- Use for Everyday Spending: Earn points not only at MUJI but also on general purchases made with the card.
- Monitor Your Statements: Check your monthly usage through Credit Saison’s online portal to stay on top of spending and rewards.
Using the MUJI Card Overseas
If you’re traveling abroad, here’s how to use your MUJI Card effectively:
- Widely Accepted: Works internationally via Visa or American Express network.
- Foreign Transaction Fees: Charges about 1.95% per transaction in foreign currency.
- Currency Conversion: Pay in local currency to get better exchange rates.
- ATM Withdrawals: Possible abroad but includes higher fees and interest.
- Travel Notification: Inform Credit Saison before your trip to avoid card blocks.
- Monitor Activity: Check for any suspicious charges while overseas.
Contact Information for Support
If you need assistance with your MUJI Card, here are the main support channels:
- Customer Service Hotline: Call 0120-24-8376 for general inquiries, billing questions, or card services.
- Alternative Phone Numbers: If you're unable to use the toll-free number, contact the Tokyo office at 03-5996-1112 or the Osaka office at 06-7709-8040.
- Lost or Stolen Card: Report immediately by calling 0570-064-107 or 0120-107-242. For IP phone users, dial 03-6688-8000 or 06-7709-8086.
- Online Support (Netアンサー): Manage your account, view statements, and update payment methods through the Netアンサー online portal.
- Credit Saison Customer Support: For additional assistance, visit the Credit Saison customer support page.
The Bottomline
The MUJI Card offers a simple way to earn rewards and enjoy exclusive benefits while shopping at MUJI.
With no annual fee and an easy online application process, it’s a convenient option for residents in Japan.
If you shop at MUJI often, consider applying online today to start earning points and accessing member-only perks.
Disclaimer
Information provided in this article is for general guidance and may change based on the issuer’s latest terms.
Always refer to the official MUJI Card or Credit Saison website for the most up-to-date details before applying.
