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How to apply for a Rakuten Credit Card

Credit cards in Japan…

If you have recently moved to Japan, you have probably noticed that most banks do not offer debit cards,  so you must always carry cash. Some banks have started to offer visa debit cards so that their clients can start using their cards as debit cards in-store and online.  But for those who aren’t with a bank that offers these kinds of cards, you’re left with three options.

  1. Use your credit card from home and pay expensive currency exchange fees.
  2. Use a pre-paid credit card like au wallet or a pre-paid credit card bought from the convenience store.
  3. Apply for a credit card in Japan.

As a foreigner living in Japan, applying for a credit card can be a hassle.  However, there are some companies that will allow foreigners to apply and usually accept their applications.  I personally applied for the BIC Camera credit card, but was later declined.  I was told that BIC Camera doesn’t usually allow foreigners to get their credit card.  After doing some research, I found out that Rakuten was more open to foreigners having their credit card, so I decided to apply for one, and got accepted.  P.S. you do need to have a job if you want a credit card as they will be calling your workplace to confirm employment.

For detailed explanation about applying Rakuten card in English visit

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