In a fast-paced country like Japan, you always like to keep up with the lifestyle. This is why credit cards are becoming one of the main financial solutions for many people. With credit cards, you get to have a tight hold of your finances and manage them properly while also enjoying different perks.
Having the Mitsubishi UFJ Nicos Credit Card is just one of the many credit cards that are being offered by the world-famous company. Having this credit card means getting a lot of benefits and perks that not many cardholders have the opportunity of having.
Find out more about the card and learn how to apply for Mitsubishi UFJ Nicos Credit Card.
Why Choose the Mitsubishi UFJ Nicos Credit Card
There are a lot of reasons why the Mitsubishi UFJ NICOS credit card is very popular in Japan. For one, the card is provided by Mitsubishi UFJ NICOS, one of the most trusted financial services brands in Japan.
The company provides innovative technology especially when it comes to security. They monitor your account 24/7 all year round to prevent any unauthorized use and provide proper compensation in the event of any fraud and other suspicious activities.
The best part about choosing this credit card is that there is no annual fee for the first year. After that, the cardholder will have to pay 1,375 yen with tax included which can still be waived if they can make at least one shopping trip in the last year.
What to Expect for the Application
Applying for the Mitsubishi UFJ Nicos credit card is rather simple but it is also very important that you understand how critical it is to provide the exact information.
During the application, you will be asked to provide your complete information as well as several other documents that will support your claim. There are a lot of instances when applicants forget certain details and sometimes provide incomplete documents.
This can often lead to delayed approval and sometimes, you might even get rejected. Make sure that you follow through the application process every step of the way so you can have a smooth experience.
Check Out the Rewards System With the Mitsubishi UFJ Nicos Credit Card
If you're interested in using the Mitsubishi UFJ Nicos credit card, you should note that you're also entitled to the rewards system.
Every time you use the card for purchases, you receive 1 reward point for every 1,000 yen of purchase. You then receive 4 yen for every cash back point that you have.
You can also use the points that you have accumulated in different stores and other establishments for products. Use the card in partner stores and establishments like 7-Eleven, Lawson Stores, Pizza Hut, and more to receive even more points.
You can also transfer your points to partner points and enjoy even more rewards.
Even More Benefits to Discover
Apart from the very generous and diverse rewards system, Mitsubishi UFJ Nicos credit card holders are also entitled to different benefits. One of which is overseas travel accident insurance where you'll get up to 20 million yen of coverage.
The coverage includes medical expenses due to injuries and illnesses when traveling overseas. You are also covered by such insurance if your personal belongings like your bag or camera are damaged during your travel.
The card also features shopping insurance which will compensate you with over 1 million yen for damaged or stolen items purchased within 90 days.
Learn More About the Eligibility Criteria
If you want to apply for the Mitsubishi UFJ Nicos credit card, you need to know that the credit card provider has some eligibility criteria that you need to meet.
You must be 18 years old and above to apply for the card. You must have an income to qualify for the card and you must have the proper documents to support this claim.
You can still apply for the card even if you are still a student as long as you are not a high school student. Apart from that, you should also provide proof of identity as well as proof of address to support that you are a resident of Japan.
Additionally, you should make sure that you have the proper documents prepared to have a smooth-sailing experience during your application.
How to Apply
There are two ways to apply for the Mitsubishi UFJ Nicos credit card. The first and probably the more traditional approach is to apply at a nearby branch. Bring your documents with you when you apply and do not forget to review your application form.
Another way to apply for the card is through the official website where you can apply at any time you want. As usual, fill out the necessary information required for the application and wait for approval. You will be asked to wait a few business days while they assess your application and provide you with the appropriate credit limit for your card.
If you have any inquiries, you can reach out to them at (133) 770-1177. You can also visit their main office at 4-14-1, Sotokanda Akihabara Udx Building. Chiyoda-ku, Tokyo, 101-0021 Japan.
Tips to Increase Your Chances of Approval
If you want to increase your chances of getting approved for the card, there are certain things that you need to do. Firstly, make sure that you double-check your application before you submit it.
Always choose a card that fits your lifestyle and spending habits and ensure that is reflected in the documents that you choose to submit.
For example, if you want to have a decent credit card with an average credit limit, make sure that you present a lifestyle and spending habit that allows you to pay for your expenses without any issues.
This will increase your credit card provider's confidence in approving the card.
Take Advantage of the MUFG App
Once you have the card, it is best that you download the MUFG app and link all your cards to the app. This way, you can manage all of your accounts under one app.
You can even check your monthly statement with the help of the app and make payments immediately.
The app offers you the option to check your usage status and even exchange your reward points for electronic gift certificates that you can use when you're going out. You don't have to worry about security as the MUFG app offers state-of-the-art security technology.
When it comes to modern finances, you also need a modern solution. Having the Mitsubishi UFJ Nicos credit card not only provides you with just an adequate financial solution but also gives you more than what you deserve with its amazing features and benefits.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.