In this guide, you will see who can apply, how the Kasumi Credit Card application works, and what interest rates are involved.
The card is issued by AEON (イオンカード) in partnership with supermarket chain Kasumi.
At the end, you will also find a conclusion and a short disclaimer, so you know how to use this information safely.
Kasumi Credit Card Overview
The Kasumi Card (KASUMIカード) is an AEON credit card designed mainly for shoppers at Kasumi supermarkets and AEON Group stores.
It also functions within the WAON ecosystem, letting you earn WAON POINT on eligible spending.
Key features include:
- Annual fee: 0 yen (no annual fee for the main card and family cards).
- Point system: Normally, 200 yen (including tax) in card spending earns 1 WAON POINT, which corresponds to a basic 0.5% return. On promotion days, the effective rate can rise to around 1.5% through point multipliers.
- Discount days at Kasumi: On Wednesdays and Fridays, credit card payments at Kasumi’s directly operated stores get 5% off at the register (some items excluded).
- Triple point Tuesdays: On Tuesdays, paying with the Kasumi card at Kasumi stores gives 3× basic WAON POINT.
- Additional services: Free family cards (up to 3), free ETC card, shopping protection insurance and card theft coverage.
These perks are designed to maximise value for Kasumi and AEON regulars, especially if you plan your weekly shopping on the designated discount.
Eligibility and Basic Requirements
At least 18 years old and reachable by phone. High school students may apply only from 1 January of their graduation year onwards.
A mobile phone number is required to apply online. You need valid identification and typically a stable address in Japan.
You must be able to set up an online automatic bank transfer for repayments as part of the application process.
Approval is subject to AEON’s credit screening, which considers income, employment, existing debts and other internal criteria.
Kasumi Credit Card Application
AEON provides a dedicated online application page for the Kasumi Card.
Step 1 – Access the Official Application Page
Go to the official AEON Card Kasumi Card page and click the application button (often labeled “お申込みはこちら” or similar).
From there, you are redirected to the secure online application form operated by AEON.
Make sure you are on an AEON domain (for example, aeon.co.jp) to avoid phishing or fake sites.
Step 2 – Prepare the Information You Need
Full legal name (in Japanese characters), date of birth, and address. Mobile phone number for verification
Employment details (company name, status, annual income). Information about your household (marital status, dependents)
Bank account details in Japan for automatic debit (bank name, branch, account type, and number)
Step 3 – Complete the Online Application Form
On the application screen, you enter personal information and contact details, work and income details, and desired card brand.
Choices about payment options (single payment, revolving, instalments, bonus payments).
You also need to accept terms and conditions, privacy notices, and other mandatory consent items from AEON.
Step 4 – Set Up Automatic Bank Transfer (口座振替)
The Kasumi Credit Card application requires online bank account registration for automatic debit.
Typically, this means selecting your bank from a list of supported institutions and logging in or confirming your account.
Confirm that AEON may debit the account for monthly card payments. Without completing this step, your application may not be accepted or issued.
Step 5 – Screening, Approval, and Card Delivery
After you submit the form, AEON performs a credit screening.
In favourable cases, screening can be completed quickly, and the card can be issued relatively soon, although delivery still takes several days.
Processing times can vary, so always check the current information shown on the application page.
Interest Rates, Fees, and Payment Options
Japanese card issuers usually distinguish between shopping (ショッピング) and cash advance (キャッシング) interest.
- Annual fee: 0 yen (main card and family card)
- Revolving payment interest rate (リボ払い金利): effective annual rate 15.0%
- Cash advance interest rate (キャッシング金利): effective annual rate approximately 7.8%–18.0%
- Payment methods: one-time payment, two-instalment payment, multi-instalment, revolving paymen,t and bonus payment options, depending on the merchant and amount
If you pay your full statement balance by the due date using a standard single payment, you typically do not incur interest on shopping transactions.
Interest is mainly charged when you use revolving payment, instalments with interest, or cash advances.
Specific late payment fees and detailed terms are shown in AEON’s Japanese-language card agreement.
Because interest rates and fees can change, always confirm the latest official fee schedule on the AEON Card website.
Managing the Card and Maximizing WAON POINT
Concentrate grocery spending at Kasumi stores, especially on Wednesdays and Fridays, for the 5% register discount.
Do your weekly stock-up shopping on Tuesdays when card payments earn 3× basic WAON POINT.
Register and use digital tools like AEON Wallet or related apps to track spending, check statements, and monitor points.
Always avoid revolving balances whenever possible, as the 15.0% interest on revolving payments can quickly exceed the value of any points earned.
Additional Cards
Consider adding family cards for household members; their spending can help accumulate points under one primary account.
If you use highways frequently, request the free ETC card, which shares the same credit limit and can earn points as well.
Bank Contact Phone and Address
Navi Dial (domestic Japan, charged): 0570-071-090
Alternate number (for flat-rate mobile plans or calls from overseas): 043-296-6200 (from overseas, dial +81-43-296-6200)
AEON Financial Service Co., Ltd. (イオンフィナンシャルサービス株式会社)
Address: 3-22 Kanda-Nishikicho, Chiyoda-ku, Tokyo 101-0054, Japan
Terrace Square building
Conclusion
The Kasumi Credit Card application is built for people who shop frequently at Kasumi supermarkets and AEON Group stores.
Before you apply, review your budget, understand how revolving and cash advance interest work, and confirm that you can pay in full each month.
If you have questions about terms or your eligibility, contact the AEON Card Call Center for clarification.
Disclaimer: This article is for general information only and does not constitute financial, legal, or tax advice. Always check the latest official AEON Card documentation and website, and, if necessary, consult a qualified professional before making a financial decision
