Legal residents of Japan only (requires proof of Japanese residency and credit underwriting)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Standard tier has lifetime 0 yen annual fee; Platinum tier is 22,000 JPY/year (waived for the next year if previous year spend reaches 3,000,000 JPY). Foreign non-JPY transactions incur ~2.2% international card FX fee.
- Debit / Deduction Model
- Exchange co-branded credit card: JPY billed credit card with grace period, rewarding BTC directly into exchange balance
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Available exclusively to legal residents of Japan. Requires a bitFlyer exchange account verified with Japan FSA/JVCEA standards and credit review by Aplus Co., Ltd. (SBI Shinsei Bank Group).
- Officially supported countries and regions
- Legal residents of Japan only (requires proof of Japanese residency and credit underwriting)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (Numberless security design; supports Apple Pay, QUICPay, and Mastercard Contactless)
- Issuer Arrangement / Payment Rails
- Aplus Co., Ltd. (SBI Shinsei Bank Group) x bitFlyer. Card BIN is not published, and this page does not speculate on it.
- Apple Pay / Google Pay
- Native Apple Pay support; activate in Wallet for both QUICPay and Mastercard Contactless tap-to-pay.
- Overseas AI Subscriptions
- Legitimate Japanese bank-issued credit card, smoothly billing ChatGPT Plus, Claude Pro, and global SaaS services.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Standard card yields 0.5% Bitcoin rewards on daily purchases; Platinum card yields 1.0% BTC, automatically deposited into your bitFlyer account with no expiration date, plus domestic airport lounge and Mastercard Taste of Premium perks.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Aplus Co., Ltd. (SBI Shinsei Bank Group) x bitFlyer. Card BIN is not published, and this page does not speculate on it.
- Apple Pay
- ✅ Explicitly stated in official materials: native Apple Pay support; activate in Wallet for both QUICPay and Mastercard Contactless tap-to-pay.
- Google Pay
- ✅ Explicitly stated in official materials: supports contactless payments on modern Android smartphones.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: legitimate Japanese bank-issued credit card, smoothly billing ChatGPT Plus, Claude Pro, and global SaaS services.
Compatibility information for this card was verified on 2026-10-15 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 158 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- bitFlyer (bitFlyer, Inc.; application portal & BTC rewards) + My APLUS (APLUS Co., Ltd.; card billing & management)
- Web Portal Support
- Full Web Portal (Cards Supported) — bitFlyer web portal supports trading and BTC reward tracking; card billing, limits, and statements are managed via APLUS's My APLUS (web portal and mobile app; registration consent required at application); application requires logging into bitFlyer then redirecting to APLUS form
- Apple App Store
-
App Store Official Download ↗ 31 regions only: Japan, US, and 29 EEA countries (27 EU members + Iceland, Norway); card issued to Japan residents only
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
bitFlyer Privacy Policy (bitFlyer, Inc., revised 2025-01-21) governed by Japan's Act on the Protection of Personal Information (APPI) and My Number Act: users may request disclosure of retained personal data and third-party transfer records (1,100 JPY per request, phone application with postal response), request correction, addition, or deletion (limited to factual inaccuracies), and request suspension of use or erasure under statutory conditions; data is jointly shared and transferred cross-border with bitFlyer USA (US) and bitFlyer Europe (Luxembourg); collects cookies, IP, advertising/device identifiers, and behavioral records from third parties, linking them with personal data for marketing, and may share bitFlyer IDs with advertisers for measurement; lacks a GDPR-style rights charter. Issuer APLUS maintains a separate Personal Information Protection Policy (revised 2022-06-27), with disclosure, correction, and deletion handled via Customer Service Consultation Office
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retention period not specified (states deletion and disposal follow internal operational rules)
- App Store Privacy Label
- Used to track: Identifiers, Usage Data; Linked to you: 4 categories; Not linked to you: 1 categories
- Google Play Data Safety
- Shared: App activity, App info and performance, Device or other IDs; Collected: 7 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
bitFlyer account requires clearing all JPY and crypto balances first, then submitting inquiry form selecting 'Other → I want to close my account' (FAQ 9-7); pending undistributed BTC rewards forfeit upon cancellation (FAQ 27-6); credit card itself must be cancelled separately with APLUS; Google Play declares data deletion can be requested
Verified on 2026-10-15. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Credit Card vs Debit Card Differences
Unlike typical prepaid U-cards, bitFlyer Credit Card is a true revolving credit card with a billing grace period, not directly burning crypto tokens at POS. [1]
Compliance Benefits for Japan Residents
Strictly regulated under Japan FSA rules, Bitcoin rewards are treated as compliant points, offering Japanese crypto users an effortless DCA channel for BTC. [1]
Frequently asked questions
Can non-Japan residents apply for bitFlyer Credit Card?
No. Applicants must have Japanese residency status (Residence Card) and a Japanese bank account.
Do Bitcoin rewards expire?
No. BTC is credited directly to your bitFlyer spot balance, fully owned and tradable by the cardholder.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of bitFlyer Credit Card on X; search results may change over time.
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