Applying for a Resona Bank Credit Card online is quick and secure. You can choose between the Standard and Gold versions.
Both offer reward points and easy app use. This article covers everything you need to apply with confidence.
New Member Welcome Bonus
If you're a new applicant, Resona offers a welcome bonus. You get 500 points when you spend at least 3,000 yen by the 15th of the following month.
This is a limited one-time offer but easy to achieve. It gives you an early boost in your rewards.
You must register and activate your card first. This bonus is credited directly to your point balance. It helps users start their rewards journey immediately.
Get 10% More with FamiResona
Resona promotes its family rewards program through FamiResona. Once you register for this service, each family member receives an extra 10% point return.
This applies to monthly usage and works with other campaigns. It is especially helpful for large households.
All registered cards under the same family plan count toward the bonus. Registration is free. You can do this through the official website.
Why Applying Online is a Smart Choice?
Going digital simplifies the process and saves time. You avoid in-person paperwork and complete everything from home.
The online system is also secure, using encrypted technology to protect your data. You’ll receive confirmation of your application status quickly.
You can apply online through the official Resona Bank website or via the Resona Card app. No need for printing or mailing forms. This method is recommended for both new and returning customers.
Understanding the Card Options
Resona Bank provides two main card types for individuals with different financial needs. Both are part of the JCB network and support contactless payments.
The Club Point Plus Standard comes with a lower fee, while the Gold version includes extra perks and higher rewards. Understanding the differences will help you choose what fits best.
- Club Point Plus JCB Standard: Annual fee of 1,100 yen (tax included), free for applicants under 25.
- Club Point Plus JCB Gold: Annual fee of 5,500 yen (tax included), includes insurance and additional benefits.
- Both cards are eligible for Resona's rewards and campaign points.
- Disney-themed card designs are also available for both versions.
Steps to Apply for a Resona Credit Card
Applying online is simple and only takes a few steps. Make sure you prepare your information beforehand for a smoother experience.
The process is designed for all users, including those applying for the first time. Follow each step carefully.
- Visit the official Resona Card website or download the app.
- Log in to your account or create a new one.
- Fill in the required details: name, address, income, ID type, etc.
- Review your information and submit your application.
- Wait for the confirmation and credit screening results.
Point System and Regular Rewards
Every purchase made using your card earns points. These points can be exchanged for various rewards and services.
The more you spend, the more you earn throughout the year. Here’s how the point system works:
- Standard Card: 5 points per 1,000 yen spent (0.5% return).
- Gold Card: 6 points per 1,000 yen spent (0.6% return).
- Points accumulate monthly and can be checked via the Resona app.
- You can redeem them for digital money, gift cards, or travel miles.
Annual Bonus Points and Spending Tiers
In addition to regular points, you receive annual bonus points based on your total yearly spending. This encourages consistent card usage.
The bonus structure varies by card type. Review the tiers to understand your potential return.
- Spend ¥200,000+: 1,500 points (Standard)
- Spend ¥300,000+: 2,000 points (Standard)
- Spend ¥500,000+: 3,000 points (Standard)
- Spend ¥1 million+: 6,000 points (Gold)
- Spend ¥1.5 million+: 9,000 points (Gold)
These bonus amounts apply under the new rules introduced in December 2024.
Card Management with the App
The Resona app helps you track everything in real time. It shows your current balance, points earned, and card activity.
This allows better budget management and transparency. All transactions and due dates are available instantly.
You can redeem points through the app for platforms like WAON, Nanaco, Rakuten Point, or airline miles. Alerts also notify you about deductions and campaigns.
Interest Rates and Fees to Know
Before applying, it's important to understand the interest charges and associated costs. This helps you manage your expenses and avoid surprise fees.
Purchase Interest Rate
The purchase interest rate typically applies when you carry a balance month to month. Resona's credit card charges an annual interest of around 15.0%.
This rate may vary depending on the results of your credit screening. If you pay in full every month, this fee won't apply.
However, if you choose installment or revolving payments, the rate becomes active. Always review the rate stated in your cardholder agreement.
Revolving and Late Payment Fees
Revolving payments allow you to split your balance into smaller monthly amounts. These come with an interest rate of about 15.0% annually.
Late payment fees apply if you miss your due date. These penalties can add up quickly and reduce your rewards.
To avoid this, enable payment alerts in the app. Responsible repayment habits keep your costs low.
Annual Membership Fees
Each card has a fixed annual fee depending on its type. The Club Point Plus Standard Card charges 1,100 yen (tax included).
If you're under 25, this fee is waived. The Gold version has a 5,500 yen annual fee but includes added services.
These fees are charged yearly and automatically deducted. Make sure to factor this cost into your usage plan.
Bank Contact Details
If you have questions or need support, Resona offers multiple contact options. You can reach out before or after applying. Here’s the official information:
- Company Name: Resona Card Co., Ltd.
- Phone Number: 06-7709-8012 (customer support hotline)
- Website: https://www.resonacard.co.jp
- Mailing Address: 1-2-1 Bingomachi, Chuo-ku, Osaka 541-8537, Japan
Support is available in Japanese. Use the inquiry form online if you prefer written contact.
Final Thoughts: A Straightforward Application with Lasting Benefits
Applying online for a Resona Bank Credit Card is easy and secure. You enjoy competitive rewards, regular bonus points, and useful app features.
From application to usage, everything is tailored for speed and clarity. Choose the right card and start collecting points today.
Disclaimer: Card benefits, rates, and offers are subject to change without notice. Always review the official terms before applying.
