SMBC Credit Card: A Beginners Guide (Application to Approval)

SMBC Credit Card | FAIR Inc

The Sumitomo Mitsui Card is a popular SMBC credit card issued by Sumitomo Mitsui, a part of Sumitomo Mitsui Financial Group.

Some people may worry that getting approved for this bank-affiliated card will be difficult. It should be noted that there are various types of SMBC credit cards available, including general, gold, and platinum cards, each with their own benefits. The card’s stylish design is also worth mentioning.

So if you are new to the credit card world, you are in the right place. This article will explore the key features of two SMBC credit cards that we highly recommend for beginners:

Not only that, but we will also be discussing the screening and card issuance procedures for Sumitomo Mitsui Card. This guide will help you make informed decisions when beginning your credit card in Japan journey. Stay tuned for more information.

Basic Information of 2 SMBC Credit Cards

SMBC Credit Card Information | FAIR Inc

1. Sumitomo Mitsui Card (NL)

The Sumitomo Mitsui Card (NL) is a credit card that does not display a card number. Instead, you can check the card number and expiration date through the Vpass application, making it a secure option.

The card has a long-term free annual membership fee and offers a maximum 5% point return rate when used at McDonald’s, Seven-Eleven, FamilyMart, and Lawson.

Moreover, the credit card can be promptly issued, and the verification process takes only 5 minutes. You can confirm details including the card number, enabling you to make purchases even if the physical card has not been delivered yet.

Sumitomo Mitsui Card | FAIR Inc
Annual feeAvailable amountinternational brands
Permanent free *1Up to 1 million yenVisa / Mastercard
Target usersPoint redemption rateReview speed
18 years old or older (excluding high school students) *20.5-5.0%Minimum 5 minutes *3
Service/InsuranceSupplementary function
・Overseas travel accident insurance up to 20 million yen (* Overseas travel accident insurance can be switched to other insurance
as “selectable free insurance” )
・Card usage limit (card shopping): up to 1 million yen
・Cash advance: total usage limit set within the range of
・Family card
・ETC card
・Sumitomo Mitsui card ID

*1 Family card is free for a long time with no limit on the number of people
*2 Parental consent is required for those under 20
*3 Minimum 5 minutes Issuance reception hours are 9: 00-19: 30

People who recommend “SMBC Credit Card (NL)”

  • People who are looking for a credit card with no annual fee
  • Those who often use McDonald’s and convenience stores
  • People who are in a hurry to issue/use a credit card
    Credit card beginners

2. Sumitomo Mitsui Card

The Sumitomo Mitsui Card is the most common credit card among the various Sumitomo Mitsui Cards.

When you sign up online, the annual fee is waived for the first year, but you’ll be charged an annual fee of 1,375 yen (including tax) starting the next year.

You can get up to a 2.5% reduction in points by using it at convenience stores and McDonald’s, and earn extra points at three selected stores.

Sumitomo Mitsui Card

Sumitomo Mitsui Card | FAIR Inc
Annual feeAvailable amountinternational brands
(Via Internet) Free for the first year
After the next year: 1,375 yen (tax included) *1 *2
~1 million yenVisa / Mastercard
Target usersPoint redemption rateReview speed
18 years old or older (excluding high school students) *30.5-2.5%Shortest next business day *4
Service/InsuranceSupplementary function
・Overseas travel accident insurance up to 20 million yen (* Overseas travel accident insurance can be switched to other insurance
as “selectable free insurance” ) ・Card usage limit (card shopping): up to 1 million yen ・Cash advance: total usage limit set within the range of
・Family card
・ETC card
・Sumitomo Mitsui card ID

*1 After the following year: Family card is free for the first year for the first person. Normally 440 yen (tax included)
*2 Annual membership fee is waived if you apply for My Pay Revolving and use the card
*3 Parental consent is required for those under the age of 20
*4 Reception time for issuance on the shortest business day is 9:00 ~19:30

People who recommend “Sumitomo Mitsui Card”

  • People who want simple coverage
  • Those who often use McDonald’s and convenience stores
  • Credit card beginners

SMBC Credit Card Screening Application Criteria

SMBC credit card (Screening Application Criteria) | FAIR Inc

Including Sumitomo Mitsui Card, the following three points are generally emphasized when applying for screening.

1. [Creditworthiness]: Is there any flaw in the credit information?

“Creditworthiness” is an important factor when applying for a Sumitomo Mitsui Card. The credit card company needs to assess if an applicant can use the credit card responsibly. This includes looking at factors such as payment history, debt-to-income ratio, and overall financial situation.

Sumitomo Mitsui Card screening point “creditworthiness”

Apart from assessing financial creditworthiness, it is crucial to evaluate an individual’s ability to consistently make payments on time, even in the absence of any financial issues.

Information regarding past credit card and loan payments as well as usage history, also known as “credit history,” is stored in credit information agencies.

Credit card companies and financial institutions that participate can easily check credit information recorded by credit information agencies. It enable them to verify if there are any payment delays or delinquencies.

Unlike borrowing, credit card services do not require a guarantor or collateral in the event that the user becomes unable to pay. So it should be considered that the creditworthiness of the user is even more important.

What is credit information

Credit information refers to details of credit contracts and loan applications. It consists of objective transaction facts and is deemed personal information. This valuable data is utilized by credit companies to evaluate a customer’s creditworthiness. It is important to note that credit information does not encompass sensitive aspects such as race, ideology, health history, or criminal records.

2. [Ability to pay]: Is it worth paying in advance?

Credit card companies prioritize determining whether the user can make the payment by the deadline. To assess this ability, they typically evaluate factors such as the

  • user’s occupation,
  • employment type,
  • annual income,
  • place of work,
  • and years of service.

Furthermore, the credit card limit you requested will be assessed during the application process to ensure it aligns with your payment capacity and credit card usage.

It is said that having economic stability and a reliable source of income is important. As a result, full-time employees and civil servants are considered to be advantageous as they are perceived to have stable incomes.

Exceptions to Sumitomo Mitsui Card’s “Paying Ability” Examination

Simply having a low-ranked credit card may not be sufficient for those with unstable income or without a job to pass the examination. This is subject to the card service agreement.

3. [Asset strength]: Whether the risk of bad debt is high

When screening credit card applications, the strength of an applicant’s assets or assets strength is considered. This refers to various factors such as: 

  • the real estate property that a person owns 
  • or has been renting for years, 
  • and also their deposits and savings.

Advance check of credit card application

Please note that during the SMBC credit card application screening process, the status of the residential real estate that will be used as collateral and the amount of the deposits and savings will be verified to minimize the risk of bad debt.

Is Sumitomo Mitsui Card's examination strict?

SMBC examination | FAIR Inc

When contemplating a SMBC credit card agreement, including but not limited to Sumitomo Mitsui Card, some individuals may feel a sense of urgency to obtain a credit card based on their specific needs and usage intentions.

As previously mentioned, applying for a credit card always involves an evaluation process. Also, there is a chance of rejection depending on the assessment criteria and the applicant’s creditworthiness.

In the following sections, I will discuss the examination procedures, such as the speed of evaluation and the stringency of standards, employed by Sumitomo Mitsui Card.

How long does it take for Sumitomo Mitsui Card to be screened and issued?

The screening and issuance time for Sumitomo Mitsui Card depends on the specific type of card and the method of application. When applying online, certain cards can be screened and issued as quickly as the next business day. Among them, Sumitomo Mitsui Card (NL) stands out with an astonishingly fast examination process that takes a minimum of 5 minutes to complete.

Furthermore, in the case of Sumitomo Mitsui Card (NL), cardholders can start using the credit card services by logging in to the dedicated application “Vpass” without having to wait for the physical card to arrive.

However, please note that the shortest issuance timeframe applies only to applications submitted between 9:00 and 19:30.

It usually takes approximately one week for any Sumitomo Mitsui Card to be delivered after successfully passing the examination. If you are in a rush to receive your SMBC credit card, I recommend applying as soon as possible.

Please note that the actual delivery time may be longer than the estimated period: 

  • if there are any issues with the information provided during the application process 
  • or if there are discrepancies in the documents submitted.

How to check the screening status of Sumitomo Mitsui Card

To check your application status, you need to go to the “How to check the enrollment status” section on the official website of Sumitomo Mitsui Card and enter your application number, date of birth, and phone number.

How difficult is the Sumitomo Mitsui Card screening process?

Specific credit card screening criteria are typically not disclosed in detail by companies, including Sumitomo Mitsui Card. Therefore, we cannot provide precise information on the exact conditions related to their screening process.

However, it is generally true that the difficulty of credit card admission screening tends to vary based on the card rank. The hierarchy often follows a pattern like “(low) general card < gold card < platinum card < black card (high).” As a rule of thumb, higher-ranked SMBC credit cards usually entail more stringent examination criteria.

In the case of the numberless type “Sumitomo Mitsui Card (NL)” and the regular “Sumitomo Mitsui Card” mentioned in the earlier discussion, both are classified as general cards. As such, it can be assumed that the barriers to passing the examination are not excessively high. However, individual circumstances and creditworthiness will still play a significant role in the approval process.

Applicants are encouraged to carefully review the specific requirements and features of each card type before making an application. It will help them to better understand the potential outcome of the screening process.

Tips for Passing the Sumitomo Mitsui or SMBC Credit Card Examination

Sumitomo Mitsui Card (NL) and Sumitomo Mitsui Card are considered to be general level credit cards with relatively low application requirements. However, passing the application screening is not guaranteed for everyone. 

To improve your chances, we will provide some practical tips for passing the Sumitomo Mitsui Card application process.

You can do it now! Tips for not failing the examination

  • Set the cashing frame at “0” yen
  • Avoid multiple applications in a short period of time

1.Set the cashing limit at “0 yen”

When you apply for a SMBC credit card, you may choose a “cash advance limit” to be included with the card. However, keep in mind that opting for this feature could potentially lead to a more rigorous review process that may take longer to complete.

In addition, cash advances involve total volume restrictions (*), which may put the screening at a disadvantage.

(*) What is “total volume regulation”?

According to the Money Lending Business Act, it is a regulation that “in principle, the upper limit of the total amount borrowed from an individual is one-third of the person’s annual income.”

After your SMBC credit card is issued, it is possible to apply for a cash advance limit. If you do not require immediate access to cash advance services, we recommend setting the limit to “zero.”

By setting the cash advance limit to zero, you can minimize the risk of unauthorized cash withdrawals or potential misuse of the cash advance feature. It provides an added layer of security and allows you to have better control over your credit card usage.

2. Avoid Multiple SMBC Credit Card Applications in a Short Period of Time

Submitting applications for multiple credit cards within a short timeframe can create a negative impression and potentially put you at a disadvantage during the screening process. If your goal is to pass the examination for a Sumitomo Mitsui Card or SMBC credit card, it is advisable to refrain from applying for credit cards from other companies simultaneously.

Even if you are in urgent need of a credit card, it’s important not to hastily apply for multiple cards simultaneously, hoping that at least one of them will be approved.

It’s worth noting that credit information agencies maintain records of credit card application statuses and screening outcomes from other companies over the past six months.

In order not to fail the examination other than Sumitomo Mitsui Card

It is crucial to be mindful of the consequences of multiple application rejections. Being labeled as an “application black” or someone deemed untrustworthy can have lasting implications. Therefore, it is essential to stay informed and be aware of the potential consequences.

By understanding the potential risks associated with multiple rejections, you can take steps to prevent such situations. 

Advantages and Disadvantages of Sumitomo Mitsui or SMBC Credit Card

After reviewing the fundamental aspects of Sumitomo Mitsui Card and the key points in the application screening process, we have compiled a summary of the card’s advantages and disadvantages. This compilation aims to be a helpful reference in organizing the distinctive features of Sumitomo Mitsui Card.

Advantages of Sumitomo Mitsui Card or SMBC Credit Card

The benefits of Sumitomo Mitsui Card are as follows.

  • Up to 5% point redemption rate
  • Point return rate + 0.5% when used at 3 selectable stores
  • Increase the point redemption rate by using the point-up mall
  • Good security and a sense of security
  • Earn V points

1. (in the case of “Sumitomo Mitsui Card (NL)”) Point return rate is up to 5%

The “Sumitomo Mitsui Card or SMBC credit card (NL)” offers a base point redemption rate of 0.5%, which may seem relatively low. However, one of its notable advantages is the potential to increase the point redemption rate up to 5% based on the store and usage.

To be more specific, when utilizing the card at designated stores such as McDonald’s and convenience stores like:

  • Seven-Eleven, 
  • FamilyMart, 
  • and Lawson, 

cardholders can earn an additional +2% points on top of the standard 0.5% rate. This allows for a total potential point reduction of up to 5%.

Beware of Coco

Please be cautious regarding the point redemption rate for cards other than “Sumitomo Mitsui Card (NL)” and “Sumitomo Mitsui Card Gold (NL)” when used at the designated stores.

For these cards, the point redemption rate will be 2.5% when utilized at the four specified target stores.

2. Point return rate + 0.5% when used at 3 selectable stores

Starting from September 2, 2019, you can choose up to three predetermined stores and receive a +0.5% point return rate when you use the card at those selected stores.

Image of +0.5% point redemption rate

Specifically, in addition to the 0.5% of the normal points, an additional 0.5% points will be added for every 200 yen (including tax) used, and a total of 1.0% will be returned as points.

The selected stores primarily consist of chain convenience stores, drug stores, cafes, fast food establishments, supermarkets, and other everyday locations that are commonly used by individuals.

One of the key benefits is that by using the “Sumitomo Mitsui Card” for everyday casual purchases instead of cash, it becomes easier to accumulate points.

Furthermore, it is worth mentioning that postpaid ID payments, including Apple Pay, are eligible for a double point return rate, equivalent to 1.0%.

3. Point UP Increased point redemption rate when used at malls

“Point UP Mall” is an online shopping mall that is managed by Sumitomo Mitsui Card. When you make purchases through the Point UP Mall, you have the opportunity to earn up to 20 times (10%) more points compared to regular point accrual rates.

Therefore, if you hold a Sumitomo Mitsui Card, it would be considered a missed opportunity not to take advantage of this feature and utilize the Point UP Mall for your online shopping needs.

4. Enhanced Security and Peace of Mind

The “Sumitomo Mitsui Card (NL)” is aptly named as it is a numberless card that does not display the card number on its face.

This unique feature eliminates concerns about someone stealing your card number, providing you with a greater sense of security.

Additionally, with the Vpass app, you can conveniently access and verify your card number and related information even when you don’t have the physical card on hand. This added benefit allows you to stay informed and in control, further enhancing your peace of mind.

5. Earn Convenient V Points

V points are a type of reward points that can be accumulated by utilizing various services offered by Sumitomo Mitsui Banking Corporation and Sumitomo Mitsui Card.

These V points hold great versatility as they can be redeemed at any store accepting Visa, both within Japan and overseas, with a conversion rate of “1 point equals 1 yen.”

For general cards and gold cards, including “Sumitomo Mitsui Card (NL)” and “Sumitomo Mitsui Card,” you have the opportunity to earn 1 point for every ¥200 spent. This straightforward and easy-to-understand point accrual system allows you to accumulate points effortlessly while making everyday purchases.

Disadvantages of Sumitomo Mitsui Card

The disadvantages of Sumitomo Mitsui Card are as follows.

  • The point redemption rate is usually at a relatively low level of 0.5%
  • The only international brands that can be selected are “Visa” and “Mastercard”

1. The point redemption rate is usually 0.5%, which is relatively low

The standard point redemption rate for SMBC credit card is typically 0.5%, which is considered relatively low compared to other general cards. This rate may not be ideal for individuals who are looking to accumulate and utilize a substantial amount of points.

2. The only international brands that can be selected are “Visa” and “Mastercard”

When it comes to selecting international brands for credit cards, it’s important to note that Sumitomo Mitsui Card offers limited options, mainly consisting of “Visa” and “Mastercard.” If you prefer the inclusion of additional international brands such as JCB, American Express, or Diners Club, you may need to explore other credit card options.

However, it’s worth mentioning that Visa and Mastercard dominate the global market share among multiple international brands. As a result, they are widely accepted and convenient for various transactions worldwide.

For individuals who are new to credit card contracts and usage, Visa and Mastercard are generally considered suitable choices. Opting for Sumitomo Mitsui Card will likely provide a seamless user experience without any significant inconveniences.

Flow of Issuance of Sumitomo Mitsui Card or SMBC

SMBC credit card (Folw of Issuance) | FAIR Inc

Finally, let’s discuss the process leading up to the issuance of a Sumitomo Mitsui Card or SMBC credit card.

The time required for the review of Sumitomo Mitsui Card or SMBC credit card applications varies depending on the card type. For the Sumitomo Mitsui Card (NL), which undergoes 5 minutes review process, it can be issued and used immediately.

On the other hand, for the standard “Sumitomo Mitsui Card,” immediate issuance and usage are not possible. Therefore, it is crucial to apply as soon as possible while considering the estimated arrival date of the credit card.

In the following sections, we will outline the procedures for: 

  • the immediate issuance and use of the Sumitomo Mitsui Card (NL) 
  • as well as the standard card issuance procedures.

Procedures for immediate issuance (“Sumitomo Mitsui Card (NL)”)

Although it takes approximately a week for the physical Sumitomo Mitsui Card (NL) to arrive, it can still be issued and used immediately after passing the examination.

The reason behind this is that even without the physical card, you can access important information such as the card number through the dedicated application called “Vpass.” This allows you to begin using the card right away once it has been approved.

Let’s now outline the procedure from applying for the SMBC credit card (NL) to immediate usage after examination:

SMBC credit card (Immediate Issuance) | FAIR Inc

Procedure for normal issuance

The normal issuing procedure from the application is as follows.

SMBC credit card (Issuance) | FAIR Inc

If you apply online and pass the screening, a credit card will be issued to your home.


In this article, we have provided an overview of the screening and issuance procedures for SMBC credit cards, the “Sumitomo Mitsui Card (NL)” and “Sumitomo Mitsui Card.”

Sumitomo Mitsui Card is a highly regarded credit card affiliated with a bank, offering strong security features.

One notable advantage of Sumitomo Mitsui Card is the speed of examination and issuance. The processing time for card applications may vary depending on the card type and application details. However, the numberless type Sumitomo Mitsui Card (NL) can be processed in as little as five minutes and issued the following business day. For the standard “Sumitomo Mitsui Card,” examination and issuance are typically completed on the next business day after the shortest application date.

Sumitomo Mitsui Card annual fee

Sumitomo Mitsui Card (NL) does not have an annual fee, and for the Sumitomo Mitsui Card, the first-year annual fee is waived when applying online. The credit card services offered by Sumitomo Mitsui Card are straightforward, making them particularly suitable for first-time credit card users.

As a trial, it may be worth considering using a general card from SMBC credit card.

However, it is crucial to exercise caution and avoid submitting duplicate applications for other credit cards.

Related Articles

  1. Rakuten Card: Application, Precautions, Cancellation Process & More!

  2. Hotel in Japan with Robot | FAIR

    Hotel In Japan With Robots

  3. Snowboarding in Japan | FAIR Inc

    Snowboarding in Japan – 30+ Best Resorts To Visit

  4. Rakuten Hand 5G | FAIR Inc

    Top Reasons to Buy the Rakuten Hand 5G

  5. Top 10 Things To Do in Tokyo for First Timers | FAIR Inc

    Top 10 Things To Do in Tokyo for First Timers

  6. Why You Need A Pocket WiFi In Japan? | FAIR Inc

    2 Best Pocket WiFi in Japan – Fastest Connection!