How to Get a Prepaid Credit Card in Japan

Life without a credit card can be hard, we know. But getting a credit card in Japan can be a challenge. Fortunately, you can get rechargeable “prepaid credit cards” in Japan—both Visa and Mastercard.

Note for visitors to Japan: If you’re a visitor, you should use a credit card (or alternative) from your country of residence. You can use a “gift” card, but only residents can sign up for a rechargeable prepaid credit card. See our guide to using cashless payments for more info.

An intro to prepaid credit cards in Japan (and some alternatives)

What follows is an overview of some of the major prepaid credit cards in Japan. This is by no means an exhaustive list—just a quick introductory guide. Some of these cards may be linked to point-based reward systems, or other kinds of customer incentive schemes.

We’ve also thrown in a few other types of cards, including an international debit card, limited-functionality credit card and a couple of deposit-based credit cards.

Most cards, whether physical or virtual (digital), can be used both in Japan and abroad, within their limitations. So, for example, if your card is restricted to online shopping only, you can (in theory, anyway) make purchases from local and international e-commerce sites that accept Visa or Mastercard, but not in actual physical stores.

Prepaid credit cards in Japan typically cannot be used for subscriptions or other recurring payments (like rent), utility bills, highway tolls, or at gas stations. Many of them also cannot be used for online shopping where 3D Secure authentication is required.

Also, none of these cards needs a credit check and they won’t have any impact on your credit rating.

Comparison of prepaid Japanese credit cards

For convenience, we’ve summarized the options below. For more about each card, continue reading below the table.

Physical cards

Virtual cards

Need to use Google Pay? See a list of cards that support Google Pay in Japan.

MobalPay

Popular SIM provider Mobal has recently entered the Japan prepaid card market, launching the MobalPay card (which carries the Mastercard logo). It can be used for online and in-store payments, though you can’t use it to withdraw cash from an ATM.

The MobalPay card also isn’t contactless, so you can’t load it into Apple Pay or Google Wallet and leave the card at home. However, you can add it as a payment method for Suica or PASMO and pay for things on the go. You can technicaly add it to Google Wallet, but you can only use it for online payments.

You don’t need a Japanese phone number or bank account to get a MobalPay card, and there is no minimum residence requirement. There is a low ¥440 set-up fee, and a ¥275/month subscription fee.

Wise Debit Card

An international alternative to a prepaid credit card in Japan is the debit card from Wise. Linked to the Wise multicurrency account (previously known as the borderless account), this debit card has been available to adult residents of Japan since January, 2021.

The multicurrency account is an electronic money account which you can use to hold money in 56 currencies, including Japanese yen. You can use the debit card for online shopping (in Japan and other countries), and in brick-and-mortar stores, paying at the real exchange rate, or using the currencies in your account. You can also use the debit card for ATM withdrawals abroad, but not currently in Japan. The card offers 3D Secure authentication for online shopping, which prepaid credit cards typically do not. However, if you apply for your Wise card from a Wise account connected to your Japan address, you can’t load it into a mobile wallet like Apple Pay or Google Wallet.

You can apply for the Wise Debit Card online or via the Wise app, in English. It’s almost instantaneous if you already have a Wise account. It costs 1200 yen to have a physical card issued, and takes about 10 days to be delivered. While you are waiting for the physical card to arrive, you can start shopping online immediately with a virtual version. If you don’t need it for shopping offline, you can also just request a virtual card for free.

V-preca

Another prepaid Visa card, this one issued through the Life Card Company, the V-preca is for online shopping only (both local and international). It is a virtual card—there is no physical version.

V-preca cards cannot be recharged. They come in denominations of 500 yen to 30 000 yen, with a sales markup of about 200 yen. You can use multiple cards for one transaction, to a total of 100 000 yen.

You don’t need a bank account to get a V-preca card, there is no screening, and you can even use a nickname when purchasing it. You just need to complete a basic registration online, then pay for the card, or buy it from the ticketing terminal at a convenience store.

Each card is valid for 12 months, but if you don’t use it for 3 months, 125 yen will be deducted each month as a “dormant card maintenance fee”. You can also buy V-preca “gift cards” at some convenience stores. These don’t require registration. They’re plastic, but still virtual, so forget about swiping.

You can use a V-preca card for online shopping where 3D Secure authentication is required, using your V-preca login details.

au Wallet

Contract au customers, including au Hikari internet customers, can apply for an au Wallet Prepaid Card, which bears the Mastercard logo. You can apply online or at an au store—note that you will need to know Japanese for this, as well as the activation of the card.

The au Wallet card can be charged online or through the au app, as well as at au stores and convenience stores (just look for the au Wallet sign near the cash registers). It has the same limited functionality as other prepaid cards in Japan (i.e. you cannot use it for subscriptions, utilities, or to put gas in your car).

Pro tip: Read up on other cashless payment options in Japan, including Rakuten Edy, PayPay and nanaco.

SoftBank Prepaid Card

Contract SoftBank customers can apply for a prepaid card of their own—this one is a Visa card. You can apply for the card from your smart phone, and select a virtual or real card (linked to your T Points). As with au, the application process will require Japanese.

You can recharge your SoftBank Prepaid Card via the SoftBank app or at JP Post ATMs, and you can also set it to auto-recharge.

d Card Prepaid

Of course, there’s a prepaid card for Docomo accountholders too (note: you don’t actually need a contract to create an account). The d Card Prepaid, which is a Mastercard, can be recharged, and is linked to d Points. It’s issued through SMBC, and you can use it both online and offline. Applications happen online, in Japanese. Kids as young as 12 can apply. The maximum amount you can load onto the card is 300 000 yen.

Rakuten Virtual Prepaid Card

Rakuten offers a virtual prepaid card (a digital card) for online shopping, but only to existing Rakuten Card (credit card) customers. You can order a virtual prepaid card from the Rakuten e-NAVI portal.

Since the prepaid card can be used in the same way as a credit card, minus the actual credit or revolving payments part, we guess it could be useful for avoiding overspending, or for a teenage kid or your feline overlords.

Vanilla Visa

The Vanilla Visa card is different from other prepaid Japanese credit cards (except for V-preca) in that you can purchase it at convenience stores and drug stores across the country. It’s called a “gift card” and is essentially a once-off Visa card that comes preloaded with either 3 000 yen or 10 000 yen. It cannot be recharged, so if you want to do more shopping, you’ll need to buy another one.

You can use the Vanilla card both online and in physical stores, in Japan and abroad, as long as Visa cards are accepted. Before using your Vanilla card for online shopping, you will need to complete initial setup. This is a quick and simple process, but it does require a Japanese mobile number.

LINE Pay Prepaid Card

** LINE Pay is scheduled to cease operation at the end of April, 2025 **

You can also get a Visa LINE Pay prepaid card for online shopping. This is a virtual card that you can recharge. You can apply for the card from Line Pay, as long as you have a Line account registered with a Japanese phone number. Each account can only be linked to one virtual card.

Sign-up takes as little as 1 minute and you can add your Line Pay card to Apply Pay and Google Pay. When shopping online with your card, the spending limit is 100 000 yen per month or transaction, if you have a Line Cash account, but up to 1 million yen per transaction, with no monthly limit, for Line Money accounts.

Deposit-based Japanese credit cards

Another option is to apply for a deposit-based credit card in Japan. Two names in this game are J-Trust and Life. These cards have more functionality than prepaid cards—they are closer to actual credit cards, so you can generally use them for a wider range of payments. However, deposit-based cards tend to have higher fees and lengthier application processes.

The deposit may be equal to your credit, but it’s made as a security guarantee, and cannot actually be used. You need to pay off your spending separately.

Note: You might also be able to apply for a debit card through your Japanese bank, but you’ll need to ask them directly about this.