Built for today’s shopper in Japan, this card blends flexibility with real benefits. Learn the essentials about PARCO Card how to apply with ease and confidence.
Use it at your favorite stores or online for a seamless experience. It’s more than a payment tool—it’s your access to exclusive rewards.
What Is the PARCO Card?
Issued by JFR Card Co., Ltd., this VISA credit card is accepted at countless locations across Japan. It delivers added value through store loyalty programs and exclusive perks at select retail destinations.
Cardholders earn QIRA Points and other rewards with every purchase. Linking your account with a PARCO Members profile unlocks even more benefits, including personalized offers.
Enjoy access to ongoing campaigns and annual fee waivers for eligible members. This card is built for consistent shoppers seeking convenience and meaningful rewards.
PARCO Card Benefits You Should Know
The PARCO Card offers value beyond simple payments. Here are the key benefits clearly explained.
Earn More with Every Purchase
The card lets you earn points every time you shop, especially at affiliated stores. You get between 3 to 7 points per 110 yen depending on your spending rank.
Higher ranks unlock better point returns. These points can be collected and redeemed for purchases.
This system rewards loyalty and regular use. Make sure to link your card to access the full range of benefits.
Maximize with QIRA Points
QIRA Points add another layer of rewards beyond PARCO locations. You earn 1 point per 200 yen spent at Visa-affiliated shops.
This gives you a 0.5% return on daily expenses. Points can be transferred to PARCO Points at a 1:1 rate.
The more you use the card, the more both point systems grow. It’s a simple way to get more from regular spending.
Bonus Campaigns and Free Membership
New applicants can enjoy a bonus of up to 3,000 yen in gift value. This bonus is tied to Pokepal registration and card usage.
You also get your annual fee waived for 10 years if you apply by February 28, 2026. After that, it's 1,100 yen per year.
This extended campaign boosts early savings. Take advantage while it's still active.
Understanding the PARCO Rank System
The rank system gives you more points as your spending increases. It encourages consistent usage of your card to unlock better rewards.
What the Ranks Mean?
This card features four rank levels based on your annual spending. Regular users earn the lowest rate, while Platinum members earn the most.
Spending less than ¥100,000 places you in the Regular rank. Spending ¥100,000 or more qualifies you for Silver, which offers better rewards.
Gold begins at ¥200,000, while Platinum starts at ¥500,000 per year. Higher ranks earn 5 to 7 points per 110 yen.
Why Linking Your Card Matters?
Your rank benefits only activate if your card is linked to a PARCO Members account. You’ll need the number on the back of your card to complete this step.
Without linking, you receive only the base 3 points. Linked members unlock higher returns based on their spending history.
This setup makes it easy to monitor your usage and reward eligibility. Linking ensures your benefits reflect your actual purchases.
How to Maintain or Increase Your Rank?
Use your card consistently at eligible merchants to maintain or boost your rank level. Track your annual spending to unlock better rewards.
A tiered system increases benefits as your usage grows. The higher your tier, the more points you earn with each transaction. Here's the full breakdown:
- Regular (R): Less than ¥100,000/year → 3 points per 110 yen.
- Silver (S): ¥100,000/year or more → 5 points.
- Gold (G): ¥200,000/year or more → 6 points.
- Platinum (P): ¥500,000/year or more → 7 points.
How to Apply Online for the PARCO Card?
You can complete the application process entirely online. Make sure to have your identification and financial info ready before starting. Follow these steps to apply:
- Go to the official PARCO Card website.
- Click on the application link and enter your name, address, phone number, and income.
- Provide your preferred bank account for withdrawals.
- Choose Pokepal registration for same-day use of your card after approval.
- Wait for credit review and confirmation from JFR Card Co., Ltd.
- After receiving your card, link your PARCO Point Number to your PARCO Members account.
Approval may depend on your financial background. Most users are eligible if they are over 18 and not a high school student.
Interest Rates and Annual Fees
Understanding the costs associated with this card is essential. Here's what you need to know about interest and fees:
- Annual Fee: Free for the first year, then 1,100 yen (tax included) from the second year onward.
- Promotion: If you apply by February 28, 2026, the annual fee is waived for 10 years.
- QIRA Point Value: 1 point = 0.5% (1 point per 200 yen).
Make sure to use your card regularly to get the most out of your points. Failure to meet usage conditions may result in annual fee charges in later years.
Linking Points and Member Status
To enjoy full rewards, link your card to your member account. This activates the rank system and ensures your spending is tracked.
If the card is not linked, you earn only base points. You can complete the linking process using the number on the back of the card.
This is essential if you want to qualify for Silver, Gold, or Platinum. It's a simple step that maximizes your benefit.
Using Your Card After Approval
After approval, you can use the card immediately by registering with Pokepal. This enables fast activation for in-store purchases.
You also start collecting QIRA Points and loyalty points right after activation. Monitor your progress using the official mobile portal.
Look out for bonus campaigns throughout the year. These can help increase your point accumulation quickly.
Contact Information for Help and Support
If you need assistance with your application or card features, use the contact details below:
- Card Issuer: JFR Card Co., Ltd.
- Customer Support Phone: 06-6227-8222 (Weekdays 10:00–17:00 JST)
- Website: www.parcocard.jp
- Support Language: Japanese
Always check the back of your card for additional contact information. For account linking, contact the PARCO Members desk directly.
Final Thoughts: Should You Apply for the PARCO Card?
Frequent shoppers will find that this card offers strong value. It’s packed with perks, point systems, and cost-saving campaigns.
The online application process is simple and fast. Apply now to enjoy flexible rewards and benefits that match your lifestyle.
Disclaimer: The PARCO Card requires screening by JFR Card Co., Ltd.. Benefits and point systems may change without notice.
