The MUJI Card is a co-branded credit card in Japan issued by Credit Saison in partnership with MUJI (Ryohin Keikaku).
It is designed for people who shop regularly at MUJI stores and on the MUJI online store.
Instead of simple cashback, the card focuses on MUJI shopping points and Credit Saison’s “Permanent Points” (永久不滅ポイント).
MUJI Card Overview
The MUJI Card comes in Visa and American Express. Both versions share the same basic rewards structure for MUJI points and Permanent Points.
The American Express version usually adds travel and shopping insurance, but it charges an annual fee.
MUJI provides the brand and the link with its points program, while Credit Saison handles credit screening, billing and customer support.
To qualify, applicants generally need to be at least 18 years old and have a bank account that can be used for automatic payments.
Rewards for MUJI Shoppers
MUJI Card holders receive MUJI shopping points that can be used at MUJI stores and on the MUJI online store in Japan.
New cardholders typically receive a one-time bonus. There is also a recurring bonus granted twice a year.
Each MUJI point is usually worth 1 yen when used to pay for eligible MUJI purchases.
Points have a limited validity period, often until the end of the fifth month after they are granted.
Use Points Wisely
If you use MUJI regularly, these small periodic bonuses can add up over time. The MUJI Card also earns ongoing points when you shop.
At MUJI stores in Japan, you can earn MUJI points by using the card and presenting the barcode linked to your MUJI membership.
The typical rate is 1 MUJI point for every ¥100 spent, which is roughly equal to a 1% return in MUJI points.
Permanent Points
In addition to MUJI points, you also earn Credit Saison’s Permanent Points.
On general spending, the standard rate is 1 Permanent Point for every ¥1,000 in card usage.
When you spend at MUJI stores and the MUJI online store, the accrual rate increases to 3 Permanent Points per ¥1,000, which is three times the normal rate.
Point Conversion and Effective Return
Permanent Points do not expire, which makes them easier to save for larger redemptions.
For MUJI Card users, there is a special conversion option that turns Permanent Points into MUJI shopping points at a favorable rate.
The exact value depends on how you redeem, but this structure clearly favors frequent MUJI shoppers.
An official example
200 Permanent Points can be exchanged for 1,200 MUJI shopping points. In that case, 1 Permanent Point is roughly equivalent to 6 MUJI points.
If you apply this value to the 3-point-per-¥1,000 rate at MUJI, it comes to around ¥18 in value per ¥1,000 spent, or roughly 1.8%.
When you add the 1%, you receive directly as MUJI points on MUJI purchases, your total effective return can reach about 2.8% on MUJI spending.
Fees and Interest Rates
The MUJI Card Visa version has no standard annual fee.
However, if you do not use the card at all from the month of enrollment to the same month in the following year, a “card service fee” of ¥1,650.
The American Express version has an annual fee of ¥3,300 (tax included).
Interest charges depend on the type of payment you choose.
- If you pay in a single installment and pay the full balance by the due date, there is no interest.
- Some merchants also offer a two-installment (2-pay) option where no interest is charged, though availability varies by store.
- For revolving payments (リボ払い) on shopping balances, the effective annual interest rate is usually around 15.0%.
- For cash advances (キャッシング), the credit limit often ranges roughly from ¥100,000 to ¥3,000,000, with effective annual interest rates in the 12.0%–18.0% range.
Because these rates are high compared with ordinary bank loans, it is safer to use full payment or short-term installment plans.
Other Perks and Protections
Along with rewards, the MUJI Card offers several protections common to Credit Saison cards.
Both Visa and American Express versions include measures against fraudulent use, especially for unauthorized online transactions.
If your card is misused without your fault, the issuer may compensate you under its fraud protection rules, subject to reporting deadlines and investigation.
Travel Insurance
The American Express version usually includes travel insurance for overseas and domestic trips.
Coverage may include accidental death and disability, medical expenses, and personal liability up to specified limits.
It also tends to offer shopping protection, which covers eligible card purchases against theft or accidental damage for a limited period after purchase.
E-Money
The card supports major contactless and e-money options in Japan, such as Apple Pay, Google Pay, QUICPay, Suica, and PASMO.
This means you can link the card to mobile wallets and use it for daily commuting, convenience stores, and other contactless payments.
Application Process
To apply for the MUJI Card, you usually submit an online application through the Credit Saison website or the MUJI card information page.
The application form asks for basic personal information, employment details, income, and your bank account for automatic payments.
Credit Saison then conducts its own screening, which checks your credit history and repayment capacity.
Approval is not guaranteed, even if you are a loyal MUJI customer.
Issuer Contact Details (Bank Phone and Address)
The MUJI Card is issued and managed by Credit Saison Co., Ltd.
Head office address: Sunshine 60 Building, 1-1 Higashi-Ikebukuro 3-chome, Toshima-ku, Tokyo 170-6073, Japan.
Head office main phone number: +81-3-3988-2111 (03-3988-2111 within Japan).
Saison Card Information Center (for card inquiries): 0570-064-133
Is the MUJI Card Right for You?
The MUJI Card works best if you shop at MUJI frequently and are willing to manage both MUJI points and Permanent Points to get the best value.
If you convert Permanent Points through MUJI-specific options and use the card regularly, the effective return can be significant.
If you rarely visit MUJI, or if you prefer simple cash rewards that apply equally everywhere, a general cashback might be more suitable.
The MUJI Card is a niche product with strong value in its own ecosystem but less appeal outside it.
Conclusion
The MUJI Card Japan is a specialized credit card built around MUJI’s brand and shopping habits.
Its mix of enrollment bonuses, semiannual MUJI point grants, and boosted Permanent Point earnings at MUJI can deliver good value.
If you live in Japan, like MUJI’s products, and pay your card balance on time, the MUJI Card can be a practical way to earn extra value on purchases.
Disclaimer: All information in this article — including rewards structure, fees, interest rates, eligibility criteria, and contact details — is based on publicly available data believed to be reliable at the time of writing. Card terms, bonuses, interest rates, and contact numbers may change without notice, and additional conditions may apply. Before applying or making any financial decision, always confirm the latest official information on the MUJI Card and Credit Saison websites or by contacting the issuer directly:
