Idemitsu Credit issues the Idemitsu Card family, including the Apollostation card, aimed mainly at drivers in Japan.
These cards offer fuel discounts at Apollostation service stations and can also be used for everyday shopping.
For an Idemitsu Card application, you need to understand the basic features, costs, and application steps.
Overview of the Idemitsu Card
Idemitsu Credit Co., Ltd. is part of the Idemitsu Group and specializes in credit cards, loans, and related services.
Its consumer cards are issued under the Apollostation brand.
Main products include the standard Apollostation card, Apollostation THE GOLD and Apollostation THE PLATINUM.
The standard card focuses on fuel discounts and everyday shopping, while Gold and Platinum add travel and premium benefits in exchange for annual fees.
Key Interest Rates and Fees
The Idemitsu Card follows the usual Japanese credit-card model with several repayment options.
Each option has its own interest range and rules.
- For revolving shopping payments (ショッピングリボ払い), the effective annual interest rate is generally around 12.0–18.0%. The exact figure depends on your card type and contract.
- For installment shopping payments (分割払い), the effective annual rate changes with the number of installments. Representative examples are around 10.23% per year for 3-installment plans and up to about 12.63% per year for 24-installment plans.
- Cash advances and loan services (キャッシング・ローン) usually fall in a 12.0–18.0% effective annual interest range. A typical card loan example is a 1,000,000-yen borrowing limit at 15.0% per year. In some documents, a standard loan rate of 18.00% is shown, with certain premium cards at 12.00%.
These numbers can change when Idemitsu revises its terms.
Always check the latest “Important matters” and product details before you apply or use cashing features.
Step-by-Step: Idemitsu Card Application
For most Idemitsu and Apollostation cards, the minimum age is 18 years. You must also be reachable by phone.
When you apply, you should be ready to provide:
- Full name, residential address, and contact phone number
- Date of birth and basic identity details
- Employment status, employer nam,e or business details
- Income information (salary or business income range)
- Bank account at a partner financial institution for automatic payments
- Foreign residents may need to provide proof of residence and additional identification.
Exact conditions can differ, so it is wise to confirm them with Idemitsu Credit.
Open the online application form
On the product page, click the application button, usually labeled “お申し込みはこちら”.
If you already hold an Idemitsu card, there may be a different link than for first-time applicants.
Clicking the button takes you to an online form in Japanese. You follow the on-screen instructions step by step.
Enter your personal and employment details
The form will ask for basic data such as your name, address, phone number, and date of birth.
You also input your occupation, employer name, years with the company, and income bracket.
Idemitsu may later request proof of identity, such as a health insurance card, passport, residence card, or My Number card.
Register your payment account
During the application or shortly after, you register a bank account at a partner institution.
Some online banks offer an “account transfer service” that links directly to Idemitsu’s payment system.
You log in to your bank and authorize automatic withdrawals to pay your credit-card bill.
Review the terms and submit the application
Before you send the form, read the Idemitsu card member agreement and the “Important matters” document for your chosen card.
These documents explain interest rates, due dates, fees, late charges, and other key conditions.
If you agree to all terms, apply electronically. Keep a copy or screenshot of the confirmation page for your records.
Screening and card issuance
After you submit, Idemitsu runs a credit screening based on your data and internal criteria. Processing may involve cooperation with partner card companies.
If you are approved, your card is produced and mailed to your registered address.
If you are declined, you typically receive a notice but not detailed reasons. This is standard practice in Japan.
After Approval: Activation and Management
Once the card arrives, sign the signature panel on the back immediately. Do not leave it blank, and keep the card in a safe place.
You then set or confirm your PIN, following the instructions that come with the card.
After that, you can use it at Apollostation service stations and other merchants that accept the network shown on the card.
Online Management
With a completed Idemitsu Card application, you have options to manage it in a digital procedure.
For online management, you can register for Web Station, Idemitsu’s internet member service.
You visit the Web Station page, choose “new member registration”, agree to the terms, enter your card information, and set a password and email address.
Idemitsu also offers a card app, which shows your card details, discounts, and points, and gives easier access to Web Station from your smartphone.
Contact Details: Idemitsu Credit and Idemitsu Kosan
Idemitsu Credit Co., Ltd. (Issuer) 2-10-14 Ryogoku, Ryogoku City Core 18F Sumida-ku, Tokyo 130-0026 Japan
Idemitsu Kosan Co., Ltd. (Group Headquarters) 1-2-1 Otemachi Chiyoda-ku, Tokyo 100-8321 Japan
Navi Dial (Japan, 24 hours): 0570-064-034
General customer center: 0120-132-015 (business hours; not specific to cards).
Conclusion: Is the Idemitsu Card a Good Fit?
The Idemitsu Card application is most attractive if you regularly refuel at Apollostation and want to combine fuel savings with a general credit card.
Before applying, review the latest official documents, and if anything is unclear, call Idemitsu Credit to ask about rates, fees, or eligibility.
Be sure that you choose the card that aligns with you. A short phone call can help you avoid misunderstandings later.
Disclaimer: This article is based on information published by Idemitsu Credit, Idemitsu Group, and related public sources as of late 2025. Interest rates, fees, product features, eligibility rules, and contact details can change without notice. Always confirm the most recent terms directly on Idemitsu’s official websites or by calling the issuer before applying for an Idemitsu Card or making any borrowing or repayment decisions.
