Sumitomo Credit Card: Learn How to Apply Online - Features & Benefits

The Sumitomo Credit Card offers a reliable and efficient way to manage your spending while enjoying various perks.

Whether you’re looking for cashback, travel benefits, or secure mobile payments, Sumitomo has options to suit your needs.

In this guide, you’ll learn how to apply online, explore key features, and discover the advantages of choosing a Sumitomo card.

Why Choose the Sumitomo Credit Card

Sumitomo Credit Cards are built for everyday convenience, financial flexibility, and dependable service.

Whether you’re shopping locally or traveling abroad, these cards offer a mix of rewards, security, and ease of use. Here’s why many choose Sumitomo:

Backed by a Trusted Name: Issued by Sumitomo Mitsui Card Company, one of Japan’s top financial institutions.
Global Acceptance: Works with Visa or Mastercard networks, making it usable worldwide.
Cashback and Points Rewards: Earn points or cashback on daily purchases and recurring bills.
Multiple Card Options: From student cards to platinum, there’s a card for different financial goals.
Mobile Payment Support: Compatible with Apple Pay, Google Pay, and iD for easy contactless payments.
Travel Perks: Select cards include travel insurance and overseas assistance.
Strong Security Measures: Includes fraud detection, SMS alerts, and temporary card locking.
Reliable Customer Support: 24/7 helpdesk with support in both Japanese and English.

Key Features and Benefits

The cards offer practical features for everyday spending and travel.

These benefits provide convenience, security, and value. Here are the main features you get:

Reward Points: Earn points on every purchase and redeem them for shopping, travel, or gift items.
Cashback: Some card types offer cashback instead of points for direct savings.
Travel Insurance: Included with selected cards for overseas trips.
Purchase Protection: Coverage for eligible purchases against theft or accidental damage.
Contactless Payments: Use Apple Pay, Google Pay, and iD for quick tap-and-go payments.
Mobile App: Track spending, view statements, and manage your account from your phone.
ETC Card Option: Add an ETC card for seamless toll road payments in Japan.
Flexible Payments: Choose between full, installment, or revolving payments.
Exclusive Offers: Access to deals and coupons through partner stores and the card’s app.

Types of Sumitomo Credit Cards

Sumitomo Mitsui Trust Club offers credit cards for different needs, from travel perks to daily rewards.

Whether you want points, miles, or premium benefits, there’s a card for you. Here are the main types:

TRUST CLUB Platinum Visa Card: Premium card with travel insurance, lounge access, and strong rewards.
TRUST CLUB Gold Card (Visa): Balanced benefits with travel help, purchase protection, and rewards.
TRUST CLUB Elite Card: For frequent travelers; includes emergency aid, car rentals, and travel desk access.
Delta SkyMiles TRUST CLUB Platinum Visa Card: Great for Delta flyers; earn SkyMiles and enjoy travel perks.
Delta SkyMiles TRUST CLUB Gold Visa Card: An Easy way to earn SkyMiles with basic travel benefits.
TRUST CLUB World Card (Mastercard): Offers global use, travel perks, and rewards program access.
TRUST CLUB Platinum Mastercard: Premium Mastercard with insurance, protection, and travel perks.
Diners Club Card: Access to exclusive dining, travel services, and a unique rewards system.

Step-by-Step: How to Apply Online

Applying for a Sumitomo Credit Card is simple and can be done fully online. Make sure you have your personal and financial details ready before you begin.

Follow these steps to complete your application:

Go to the Official Website: Visit Sumitomo Mitsui Trust Club’s site and select your preferred card.
Click on the Application Button: Choose “Apply Now” to begin the online process.
Fill Out the Application Form: Enter your personal details, income, residence, and employment information.
Agree to Terms and Conditions: Review the terms and tick the boxes to confirm your agreement.
Upload Necessary Documents: Provide proof of ID, residence, and income if requested.
Submit the Application: Double-check your info, then click submit.
Wait for Review and Response: You’ll receive confirmation by email or phone once your application is processed.

Who Is Eligible

You must meet the following criteria to apply:

Age Requirement: Must be at least 22 years old for TRUST CLUB Cards and at least 27 years old for Diners Club Cards.
Residency: Generally, applicants should reside in Japan.
Income: A stable income is typically required, though specific income thresholds may vary by card type.
Identification: Foreign nationals need to provide a valid residence card or a citizen identification card.
Supplemental Cards: Family members (spouse, children, parents) aged 18 or older are eligible for supplemental cards.

Interest Rates and Fees

Understanding the costs associated with Sumitomo Credit Cards is essential for effective financial planning.

Below is a summary of the key fees and charges:

Annual Fees:

Diners Club Card: Primary card – ¥24,200; Family card – ¥5,500.
TRUST CLUB World Card: Primary card – ¥13,200; Family card – Free.
TRUST CLUB Platinum Mastercard: Primary card – ¥3,300; Family card – Free.

Interest Rates:

Exact interest rates aren’t publicly listed. Check the official site or contact customer service for full details.

Late Payment Fees:

While exact amounts are not specified, late payment fees may apply. Review the cardholder agreement or contact customer support for precise details.

Foreign Transaction Fees:

Foreign transaction fees aren’t clearly stated—check with the issuer for details on international charges.

Fee Waivers:

Some cards waive the annual fee if you spend enough, like the Gold Card, which may waive it after ¥1 million in yearly spending.

Credit Limit and Review Policy

Sumitomo Mitsui Trust Club assigns credit limits based on a review of each applicant’s individual financial profile.

These limits encompass various spending categories and are subject to periodic evaluations.

Initial Credit Limit: Determined upon application review, considering factors like income and credit history.
Sub-Limits: The total credit limit may be divided into sub-limits for specific uses, such as shopping, revolving payments, and cash advances.
Supplemental Cards: The credit limit for supplemental cards is shared with the principal cardholder’s limit.
Limit Adjustments: Sumitomo Mitsui Trust Club may adjust credit limits at its discretion, based on account activity and other factors.
Notifications: Any changes to credit limits are communicated through official channels, such as billing statements or direct correspondence.

Customer Service & Contact Information

For help with your Sumitomo Credit Card, including questions, lost cards, or insurance, you can reach Sumitomo Mitsui Trust Club through the following contacts.

General Inquiries (Japan): 0120-003-081 (Weekdays 9:00–17:00)
From Overseas: +81-3-6770-2800
Head Office Address: Sumitomo Mitsui Trust Club Co., Ltd., Triton Square X, 1-8-10 Harumi, Chuo-ku, Tokyo 104-6035, Japan.