Discover How to Apply for d CARD and Earn Points on Purchases

The d CARD lets you earn reward points on almost every purchase you make in Japan.

Whether you’re a DOCOMO user or not, you can apply online and enjoy cashback, discounts, and travel perks.

This guide shows you exactly how to apply, understand the fees, and make the most of your points.

What is the d CARD?

The d CARD is a credit card issued by NTT DOCOMO that lets you earn d POINTs with every purchase.

It’s available in both Regular and GOLD versions, and is accepted worldwide through Visa or Mastercard.

The d CARD offers practical benefits that make everyday spending more rewarding.

You earn points, enjoy discounts, and get protection for your purchases—all with one convenient card.

Earn d POINTs: Get 1% back in points for every ¥100 spent on eligible purchases.
Bonus for DOCOMO Users: Earn up to 10% back when paying DOCOMO mobile bills or shopping through d CARD partner stores.
No Annual Fee (Regular): The standard d CARD is free, while d CARD GOLD offers premium perks for ¥11,000 annually (tax included).
Travel and Shopping Insurance: Coverage for domestic and international trips, plus protection for damaged or stolen purchases.
Free ETC Card: Drive conveniently with a free electronic toll card option.
Mobile Wallet Support: Compatible with Apple Pay and Google Pay for secure contactless payments.
Exclusive Campaigns: Access periodic bonus-point offers and cashback promotions from partner merchants.

Before applying for the d CARD, it’s important to understand the fees and interest rates involved.

Knowing these costs helps you manage your card responsibly and avoid unexpected charges.

Annual Fee: The Regular d CARD has no annual fee. The d CARD GOLD costs ¥11,000 per year (tax included).
Revolving Payment Interest Rate: Around 15.0% to 18.0% annually, depending on your payment plan.
Late Payment Penalty: Up to 14.5% annual interest may apply to overdue balances.
ETC Card Fee: Free of charge when issued with your d CARD account.
Cash Advance Fee: Typically, 18.0% annual interest on borrowed amounts until fully repaid.
Foreign Transaction Fee: Approximately 1.6% to 2.0% of the purchase amount when used overseas.
Replacement Card Fee: A small handling fee may apply if your card is lost or damaged.

Here’s how you apply for the d CARD online — a clear step-by-step you can follow.

Access the Application Portal: Go to the official d CARD website to start your application.
Choose Your Card Type: Pick Regular (no annual fee) or GOLD (premium perks and insurance).
Sign In or Create a d ACCOUNT: Log in with your DOCOMO account or create one if new.
Enter Personal Information: Fill in your name, address, contact, and job details.
Provide Identity Verification: Upload your Residence Card, My Number Card, or similar ID.
Add Bank Account for Payments: Link your Japanese bank account for billing.
Review and Submit the Form: Check your info, agree to the terms, and submit securely.
Wait for Approval: Review takes 1–3 business days, and you’ll get a notice once approved.
Activate and Start Using the Card: Activate upon arrival and start earning d POINTs.

Before applying for this card, you need to prepare some documents and details to ensure your application goes smoothly.

Having everything ready speeds up approval and helps avoid errors.

Valid Identification: A Residence Card, My Number Card, or other government-issued ID.
Japanese Address: You must have a current residential address in Japan for verification and delivery.
Active Mobile Number: A Japanese phone number is required for verification and contact.
Email Address: A valid email for updates and confirmation messages.
Bank Account in Japan: Needed for automatic monthly payments.
Employment or Income Proof: Stable income or job details to support credit evaluation.
d ACCOUNT: Must have or create a DOCOMO d ACCOUNT to apply online.

The d POINT program lets you earn points every time you use your d CARD, turning daily spending into real value.

You can then redeem those points for discounts, shopping, or services across Japan.

Earn on Every Purchase: Get 1 % back (1 point per ¥100) on regular spending, both in-store and online.
Bonus for DOCOMO Users: Earn extra points when paying your DOCOMO mobile bill or shopping through partner stores.
Special Campaigns: Join limited-time offers that boost your point earnings for specific purchases or merchants.
Redeem for Discounts: Use your d POINTs to pay for items at participating convenience stores, supermarkets, or cafés.
Apply Toward DOCOMO Bills: Offset your monthly phone or data plan costs using accumulated points.
Online Redemptions: Exchange points for gift cards, merchandise, or travel vouchers on the official d POINT site.
No Expiry if Active: Keep earning or redeeming regularly—your points stay valid as long as your account stays active.

Here’s how you manage your d CARD account—what you should keep an eye on and how to keep it running smoothly.

Online Account Access: Log into your d CARD dashboard or the issuer’s website to check your balance and transactions.
Track Your Points: View your accumulated d POINTs and redemption history via your d POINT Club account.
Payment Settings: Confirm your automatic payment method is set to your Japanese bank account so your bill is paid on time.
Security Features: Enable two-step verification (2FA) for your d ACCOUNT to protect against unauthorized access.
Review Billing & Fees: Periodically check your statement for interest charges, late fees, or unexpected transactions.
Update Personal Info: Make sure your contact details, address, and bank information are current in your account profile.
Set Alerts: Enable notifications for large purchases, point activity, or changes to your account to stay on top of your card usage.

Here are the customer support and contact details for the d CARD and its issuer, NTT DOCOMO:

General inquiries (English/other languages): 0120-005-250 (Japan toll-free) available 9 am-8 pm all year.
For loss or theft of your mobile linked to DOCOMO: 15712 (from a DOCOMO mobile) or 0120-524-360 (landline) — 24 hours.
Website support & FAQs: Visit DOCOMO’s “Contact Us / Support” page.