The Amazon Mastercard in Japan helps you earn more rewards and shop more easily. Issued by Mitsui Sumitomo Card Co., Ltd., it connects directly to your Amazon account for smooth transactions.
You get high cashback, fast approval, and perks for frequent Amazon users. This article shows you how to manage payments and make the most of every benefit.
Understanding the Amazon Mastercard
Before using your card to its full potential, you need to understand how it operates. This section explains the card types, eligibility, and how it connects with Amazon’s payment system.
Card Variants and Basic Rewards
There are two main versions of the card: the Amazon Prime Mastercard and the Amazon Mastercard for non-Prime users. Prime members earn 2.0% cashback on Amazon.co.jp, while others earn 1.5%.
For purchases outside Amazon, both cards offer 1.0% points. Each point is worth 1 yen and is automatically credited to your Amazon account for use at checkout.
Eligibility and Management
Applicants must be 18 years or older and have a stable income or an active bank account. The card cannot be used for business transactions or government-related purposes. It’s managed by Mitsui Sumitomo Card Co., Ltd., ensuring strong security and 24-hour customer service. Once approved, you can monitor rewards and transactions directly in your Amazon account.
Key Benefits and Reward Programs
The card provides more than basic cashback—it includes partner bonuses and travel perks. Here’s how you can earn more points and save more on your daily and online spending.
Everyday Cashback and Partner Stores
Amazon purchases earn 1.5%–2.0% cashback depending on your Prime status. Shopping at 7-Eleven, FamilyMart, and Lawson can earn up to 7% in points when using a Mastercard contactless payment.
This includes a base reward of 1.5% plus a 5.5% bonus for tap-to-pay transactions. It’s one of the highest returns available on everyday spending in Japan.
Travel and Lifestyle Discounts
Cardholders get exclusive travel perks through Amazon’s partnerships. You can receive up to 10% off at Expedia and 8% off at Hotels.com by using your Amazon Mastercard during promotional periods. These discounts apply to hotels, flights, and travel packages. Booking periods generally run from July 2025 to June 2026, so check the campaign details regularly.
Installment Options and Free Fees
Amazon purchases can be split into 2 or 3 payments without interest, making large orders easier to manage. The free installment plan applies to qualifying transactions on Amazon.co.jp only.
Payments are deducted automatically from your linked account on the set date. This feature helps you manage cash flow without paying additional fees.
Security and Digital Convenience
Digital tools and safety features make this card practical for everyday use. Here’s how you can shop faster and safer both online and in stores.
Contactless and Mobile Payments
You can use Mastercard contactless to make quick payments by tapping your card or smartphone at checkout. It’s accepted at thousands of stores across Japan, including convenience chains and supermarkets.
This method is faster and more secure than cash. Each purchase is verified instantly through encrypted systems.
Integration with Apple Pay, Google Pay, and iD
The card supports Apple Pay, Google Pay, and iD electronic money for seamless transactions. These mobile wallets let you pay with your smartphone or smartwatch instead of carrying a physical card.
Apple Pay works with iPhone, iPad, Apple Watch, and Mac, while Google Pay supports Android devices. It’s ideal for users who prefer digital management of their spending.
24-Hour Support and Fraud Protection
Mitsui Sumitomo Card offers round-the-clock customer service for lost or stolen cards. Their system monitors transactions for unusual activity and sends alerts for suspicious charges.
In case of fraud, the company provides immediate assistance and liability protection. This ensures your money and data stay safe.
Application Process
Getting your Amazon Mastercard is quick and straightforward. The process is entirely online and designed for speed and simplicity.
Before you begin, ensure your Amazon Japan account and bank information are up to date. Approval can take as little as five minutes for users with internet banking. Follow these steps to complete your application:
- Step 1: Log in to your Amazon Japan account and click “今すぐ申し込む (Apply Now)”.
- Step 2: Fill in your personal details, including contact and identification information.
- Step 3: Choose your financial institution and set up a direct debit account.
- Step 4: Complete identity verification through SMS or email confirmation.
- Step 5: Wait for approval—instant approval is available between 9:00 and 19:00 JST.
- Step 6: Once approved, start shopping on Amazon immediately; the physical card arrives within a week.
Managing Payments and Limits
Proper account management helps you avoid interest charges and maintain a good credit record. The Amazon Mastercard gives you flexible payment options and generous limits.
Payment Schedule and Methods
Your billing cycle ends on the 26th of each month, with payment due on the 26th of the next month. You can choose between lump-sum, 2-installment, 3-installment, revolving, or bonus payments.
Installment fees are free for Amazon purchases, while revolving payments may incur interest charges. Always check your statement online for accurate details.
Spending and Credit Limits
Typical credit limits range from ¥100,000 to ¥2,000,000, depending on your income and credit score. Revolving and installment balances share the same limit.
If needed, you can request a temporary increase during major shopping periods. All updates are handled via the Mitsui Sumitomo Card online portal.
Online Account Access
All transactions, statements, and point summaries can be viewed through the Mitsui Sumitomo Card Web Service. You’ll also receive updates in your Amazon account dashboard.
Keeping track of spending helps you plan repayments efficiently. Setting up email notifications is recommended to avoid missing due dates.
Interest Rates and Annual Fees
Knowing the financial terms helps you use the card responsibly. The Amazon Mastercard offers transparent, competitive rates in Japan.
Revolving and Installment Rates
The standard revolving interest rate is 15.0% per annum. Installment payments are usually interest-free when made through Amazon’s eligible programs.
Other installment types may include a small handling fee depending on the payment plan. Paying the full balance monthly eliminates these charges entirely.
Annual Fee and Penalty Details
Both Amazon Mastercard and Amazon Prime Mastercard have no annual or renewal fees. Late payments incur a 14.6% penalty rate until the balance is cleared.
To maintain good standing, always pay on or before the due date. Automatic payments through direct debit are the most reliable method.
Maximizing Your Rewards
Using your card strategically ensures you earn more and spend wisely. Combining benefits and timing your purchases can significantly boost your savings.
Link With Amazon Prime
Prime members enjoy higher cashback rates—2% instead of 1.5%. Linking your card to an active Prime subscription ensures automatic point upgrades.
These points can be redeemed on any Amazon purchase. It’s one of the easiest ways to maximize long-term value.
Take Advantage of Campaigns
Regularly check Amazon Japan’s Mastercard campaign page for new promotions. Many events offer double points or partner store bonuses.
You can also earn up to 50,000 points through seasonal draws. Staying updated ensures you never miss potential rewards.
Plan Big Purchases
Large expenses like electronics or appliances are best scheduled near the billing cutoff date. Doing this gives you extra days before repayment.
Using interest-free installments keeps your monthly budget balanced. Always review your spending to stay within your credit limit.
Customer Support and Contact Information
You can reach Mitsui Sumitomo Card Co., Ltd. anytime for help with your Amazon Mastercard. For lost or stolen cards, call 0120-911-911, available 24/7.
Support is also offered through the Amazon Help Center or Mitsui Sumitomo’s website. Visit www.smbc-card.com for account management and campaign updates.
Conclusion: Make Every Yen Count
The Amazon Mastercard offers strong rewards, convenience, and no annual fees for everyday shoppers in Japan. By understanding cashback structures, interest rates, and payment cycles, you can maximize your card’s full potential.
Combining Prime membership, partner campaigns, and contactless payments gives you unbeatable value. Use it wisely, stay informed, and let every purchase reward you more.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Mitsui Sumitomo Card Co., Ltd. or Amazon Japan before applying or using the card.
