Applying for an Orico Card is a straightforward process that unlocks a world of financial benefits and convenience.
From no annual fees and attractive reward points to flexible payment options and exclusive member services, this guide will help you navigate the simple steps to apply and start enjoying the perks of your Orico Card.
What is a Credit Card?
A credit card serves as a deferred payment tool, enabling you to purchase goods and services on credit.
Once the credit card issuer approves your application following a review process, you'll receive a card that allows you to pay for items later, rather than upfront.
Orico Card Benefits
Enjoy the perks of an Orico card with no annual fee and high rewards! Here's a breakdown of the benefits:
- No Annual Fee with High Returns: Enjoy the convenience of an Orico card without any annual fee. Plus, it benefits from a high return rate, making it easier to accumulate points.
- Attractive Point Return Rates: With cards like Orico Card THE POINT and Orico Card The Point UPty, you can enjoy a point return rate of 2% for the first 6 months after joining. The standard rate is 1.0%, with an upper limit of 5,000 Orico points during the promotional period.
- Flexible Payment Options: Choose a card that allows you to set your monthly payment amount freely, such as the Orico Card The Point Apte.
- Brand and Services: Choose between Mastercard and JCB brands, each offering loss/theft protection and travel support. Plus, enjoy the convenience of touch payment options like Mastercard Contactless and JCB.
- Additional Cards: Benefit from additional card options like ETC card, family card, and QUICPay card type.
- Easy-to-Accumulate Points: Earn 1 Orico point for every 100 yen spent. Double your points by shopping online through Orico Mall. Points can be exchanged for various online gift certificates or transferred to different points, starting from 500 Orico points.
- Kurashi Smile Program: Earn 1 mile for every 1,000 yen spent, which can be exchanged for 5 Orico points. Redeem your accumulated points (smiles) for your favorite products, starting from 200 smiles.
- Contactless Payment: Enjoy the ease of touch payments and electronic money with cards equipped with iD, QUICPay, and touch payment options. Use your card at convenience stores, supermarkets, and more by simply holding it over a dedicated terminal.
- Apple Pay Compatibility: Use your Orico credit card with Apple Pay for a secure and convenient payment experience. Your card information is protected, as a unique number is assigned to your credit card for transactions.
Services for Members
As a member of the Orico Card community, you have access to a range of services designed to make your financial management easier and more rewarding.
- 24/7 Online Access: Access credit card details, point exchanges, cash advances, and more anytime, anywhere.
- Usage Details: Easily check your spending history and available credit.
- Point Management: View and exchange points (smiles) for rewards through the e-Orico service.
- Repayment Schedule: Payments are typically due on the 27th of each month.
- Payment Methods: Choose from one-time payments, installment plans, bonus lump-sum payments, or revolving payments.
- Repayment Details: Understand the differences between installment and revolving payments.
Usage Inquiries/Details Confirmation:
- Usage Details Inquiry Screen: View payment dates, charges, and transaction details.
- Statement Management: Option to stop paper statements and download usage details in PDF or CSV format.
Great Deals When Traveling Abroad/Overseas:
- Overseas Travel: Enjoy discounts on package tours, flight tickets, and rental car reservations.
- Travel Insurance: Benefit from overseas travel accident insurance with 24/7 support in Japanese.
- Domestic Travel: Access discounts on package tours, flight tickets, and rental car reservations within Japan.
Flow of Joining/Applying
Becoming an Orico Card member is a straightforward journey designed for your convenience.
This five-step process guides you from application to card reception, ensuring a smooth and hassle-free experience.
- Online Application: Kickstart your journey by filling out the online application form. This step is designed to be quick and user-friendly, allowing you to apply from the comfort of your home or on the go. Simply provide the necessary personal and financial information to get started.
- Screening: Once you've submitted your application, Orico takes over to review your details. This screening process is thorough, as we assess your eligibility based on the information provided. Rest assured, we handle your data with the utmost confidentiality and care.
- Notification: After the screening, keep an eye on your inbox. You'll receive an email notification with the results of the screening process. This email will inform you whether your application has been approved or declined, or if additional information is required.
- Card Issuance: If your application is successful, congratulations! Orico will proceed to issue your credit card. Your new card will be prepared with your account details and sent out to your specified address, ready for you to start enjoying its benefits.
- Reception: The final step is receiving your card. Once it arrives, make sure to complete any remaining steps for activation, such as setting up bank transfers for payments if it wasn't done during the application process. After these steps are completed, your Orico Card is ready for use, opening up a world of financial convenience and rewards.
Key Points to Remember
- Fast Track: Cards can be issued within 8 business days after screening results are emailed.
- Simplify Banking: If you have an online-payment-ready bank account, you can set up withdrawals during your application, skipping the need to mail a bank transfer request form.
- Documentation: Some products might require additional documents, including proof of income.
- Considerations: Delivery times can vary, and certain conditions, like recent moves, may affect card delivery. For new members, there might be special campaigns worth checking out.
Application Details
- Initial Steps: Agree to terms, fill in the application form, and double-check your info.
- Income Proof: If applying for cash advance features and meeting specific criteria, income proof may be required.
Remember:
- Keep your application reference number handy.
- Business days exclude weekends and holidays.
Regarding Identity Verification Documents
When applying for a credit card, you must verify your identity by the Act on Prevention of Transfer of Criminal Proceeds.
This involves submitting specific identification documents. If your identity is successfully verified, your card will be sent via simple registered mail.
Otherwise, it will be sent through a mail service that requires identity verification upon delivery.
Group A:
- Group A documents include driver's licenses, passports, health insurance cards, and My Number cards, among others.
Group B:
- Group B documents include tax receipts, utility bills, and social insurance premium receipts that show your current address.
Please note: If there are discrepancies between the addresses on your identification documents and the application form, or if the required documents are not provided, your card may not be issued.
About Income Proof Documents
For income verification, please provide a copy of one of the following documents:
Withholding Slip
Use the slip from the previous year (January and February should be from two years prior). Ensure your full name is listed and the payment amount is shown.
Payment Record/Salary Statement
Provide statements from the last three months, covering two consecutive months.
Include your full name, the income or payment amount, and the name of your workplace with the month and year of payment.
If you have a recent bonus payment statement, submit it along with your salary statement.
Final Tax Return
Submit the return from the previous year (January to March should be from two years prior).
It should list your full name and income amount and show proof of submission to the tax office (e.g., receipt stamp).
Blue Tax Return Financial Statement
This includes the income and expenditure statement.
Tax Payment Notice
Use the notice from the previous year (January to June should be from two years prior).
It should list your full name and the income or payment amount
Pension Notice
Provide the notice for the current year (January to June should be from the previous year). It should list your full name and the amount paid.
Note: Exclude any documents that do not reflect your current workplace.
Final Thoughts
In conclusion, the Orico Card is a smart choice for those seeking financial convenience and rewards.
With its easy application process and range of benefits, it's an ideal tool for managing expenses and enjoying exclusive perks.
If you have any questions or need assistance, you can reach out to Orico's customer service at 0120-911-004 (available 24 hours a day, 365 days a year) or from a mobile phone at 03-5877-5555 (paid service, available 24 hours a day, 7 days a week).
Disclaimer: It's important to note that the information provided here may be subject to change. Always refer to the official website or contact customer support for the most accurate and up-to-date information.