Idemitsu Card: How to Order Step-by-Step Instructions

2025年1月20日

The Idemitsu Card is a convenient and rewarding payment option for fuel and everyday expenses.

It offers fuel discounts, cashback, and additional perks for frequent drivers.

This guide provides a step-by-step process for ordering your card, understanding its features, and maximizing its benefits.

Features and Benefits of the Idemitsu Card

The Idemitsu Card provides numerous advantages, making it an excellent fuel and general spending choice.

Fuel Discounts – Save money on fuel purchases at Idemitsu stations.
Reward Points Program – Earn points on every purchase and redeem them for discounts or cashback.
Flexible Payment Options – Choose from multiple repayment plans, including full payment or installment options.
Worldwide Acceptance – Use the card at Idemitsu stations and thousands of partner merchants.
Online and Mobile Banking – Manage your card, transactions, and payments through a secure app or web portal.
Travel and Roadside Assistance – Some cards offer insurance coverage and emergency assistance while traveling.
Cash Advance Feature – Withdraw cash when needed (subject to fees and limits).
No Expiry on Rewards – Some card versions allow unlimited validity for earned points.
Promotional Offers – Access exclusive discounts on shopping, dining, and entertainment.

Interest Rates and Fees

Before applying, it’s essential to understand the costs associated with this card.

Annual Fee – Ranges from ¥0 to ¥5,500 per year, depending on the card type. Some cards waive the fee for the first year.
Interest Rates – Standard purchase APR ranges from 15% to 22%, while cash advances have a higher APR of 24% to 30%.
Late Payment Fees – A penalty of ¥2,500 to ¥4,500 is charged if payments are not made by the due date.
Cash Advance Fees – A charge of 3% to 5% of the withdrawn amount applies, with a minimum fee of ¥500 to ¥1,000 per transaction.
Foreign Transaction Fees – Typically 1% to 3% of the total purchase amount for international transactions.
Over-limit Fees – If you exceed your credit limit, an additional fee of ¥2,500 to ¥3,500 may be charged.
Balance Transfer Fees – If transferring balances from another card, expect a fee of 3% to 5% of the transferred amount.
Card Replacement Fees – A charge of ¥500 to ¥1,500 applies for lost or damaged card replacements.

Eligibility Requirements

To apply for an Idemitsu Card, applicants must meet specific criteria.

Minimum Age – Applicants must be 18 years old (varies by country).
Residency and Address Proof – A valid residential address is required for application and delivery.
Employment and Income Criteria – Regular employment or a stable income source is necessary.
Credit History Review – Approval depends on past credit behavior and financial history.
Identification Documents – A government-issued ID, utility bills, and tax records may be required.
Bank Account Requirement – Some cards require linking a bank account for payments.
Guarantor (If Needed) – Applicants with limited credit history may need a guarantor.

Step-by-Step Guide to Ordering the Idemitsu Card

The application process is simple if you follow these steps:

Choosing the Right Idemitsu Card

Different Idemitsu Cards are available, each with specific benefits. Choose based on your needs.

Personal Cards – Ideal for everyday fuel and shopping expenses.
Business Cards – Designed for companies managing fuel expenses for employees.
Prepaid Cards – Allows controlled spending with preloaded funds.
Premium Cards – Offers luxury perks like concierge services and higher rewards.
Zero-Interest Cards – Available for those who prefer no-interest promotional periods.

Accessing the Application Portal

You can apply online or at a physical location.

Official Website – Visit the Idemitsu website and navigate to the credit card section.
Partner Banks – Some financial institutions issue Idemitsu-branded credit cards.
Authorized Retail Locations – Certain gas stations or service centers may accept applications.

Completing the Application Form

Filling out the application form correctly is crucial for approval. Ensure all details are accurate to avoid delays or rejection. Follow these steps:

Personal Information – Full name, address, date of birth, and contact details.
Employment & Income – Job status, monthly salary, and employer details.
Credit References – Some issuers may ask for references to verify financial stability.
Card Type Selection – Choose your preferred card and additional benefits.

Submitting the Application

After completing the form, submit it along with the necessary documents.

Online Submission – Scan and upload required documents for faster processing.
In-Person Submission – Hand in physical copies at authorized centers.
Verification Call – Some applicants may receive a call to confirm details.

Application Review & Approval Process

The issuer evaluates applications based on financial stability and creditworthiness.

Processing Time – Can take a few days to several weeks.
Credit Score Evaluation – A good credit history increases approval chances.
Possible Rejections – Insufficient income, low credit scores, or missing documents may cause rejection.

Receiving and Activating the Card

If approved, your card will be delivered to your address.

Delivery Time – Typically within 5–15 business days.
Activation Methods – Activate via phone, website, or mobile app.
Setting Up PIN & Online Access – Register your card for secure online transactions.

Using the Idemitsu Card

Once activated, the Idemitsu Card can be used for various transactions.

Fuel Purchases – Enjoy discounts and rewards at Idemitsu gas stations.
Retail Shopping – Use it at supermarkets, restaurants, and partner stores.
Online Payments – Make secure online transactions.
Utility Bills – Pay electricity, water, and internet bills.
Subscription Services – Use for streaming platforms and memberships.

Managing Payments and Billing

Proper payment management helps avoid fees and penalties.

Due Date Reminders – Set alerts to avoid missing payment deadlines.
Payment Methods – Pay via bank transfer, mobile banking, or auto-debit.
Understanding Statements – Check billing statements for discrepancies.
Avoiding High Interest – Pay in full to avoid accumulating interest charges.

Troubleshooting & Customer Support

If you experience issues, Idemitsu’s support team can assist.

Rejected Applications – Improve your credit score and reapply.
Lost or Stolen Card – Report immediately to block unauthorized transactions.
Billing Discrepancies – Contact support to dispute incorrect charges.
Card Upgrades – Request an upgrade for better perks and higher limits.

Tips for Maximizing Your Idemitsu Card Benefits

Make the most of your Idemitsu Card by following these tips:

Use It for Fuel Purchases – Earn maximum discounts and rewards.
Monitor Reward Points – Redeem before expiration (if applicable).
Take Advantage of Promotions – Keep an eye on special offers and cashback deals.
Avoid Unnecessary Fees – Read the terms and conditions to avoid extra charges.

Contact Information

For assistance with your Idemitsu Card, please refer to the following contact information:

Idemitsu Card Cardholder Service Desk

Phone (within Japan): 0570-064-034
Phone (from IP phones or overseas): Tokyo: 03-5996-1236; Osaka: 06-7709-8024
Service Hours: 9:00 AM to 5:00 PM JST (Closed on January 1)

Idemitsu Customer Service Center

Toll-Free Number (NTT): 0120-132-015
Service Hours: Monday to Friday, 9:00 AM to 5:00 PM JST (Closed on weekends, national holidays, and year-end/New Year holidays)

Head Office Address:

Idemitsu Kosan Co., Ltd., 2-1 Otemachi 1-chome, Chiyoda-ku, Tokyo 100-8321, Japan

The Bottomline

The Idemitsu Card is excellent for fuel savings, rewards, and convenient payments.

Following this guide, you can successfully apply, activate, and manage your card while maximizing its benefits.

Visit the official Idemitsu website or an authorized issuer to apply today.

Disclaimer

The information provided in this article is for general informational purposes only and may be subject to change by Idemitsu Kosan Co., Ltd. without prior notice.

Please refer to the official Idemitsu website or contact customer service for the most up-to-date details on fees, terms, and application requirements.