Restricted to domestic Japanese residents (requires valid residency status and statutory identification)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Permanent 0 annual fee, 0 issuance fee; on-chain repayments only incur minimal Polygon or Avalanche network gas fees paid by the cardholder.
- Debit / Deduction Model
- Japanese fiat credit card + on-chain stablecoin settlement: standard Visa revolving credit with on-chain JPYC balance extinguishment
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Under Japan's Act on Prevention of Transfer of Criminal Proceeds, applicants must be lawful Japanese residents, submitting a My Number Card or Residence Card for statutory credit checks.
- Officially supported countries and regions
- Restricted to domestic Japanese residents (requires valid residency status and statutory identification)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (physical EMV chip & virtual cards, supports Apple Pay & Google Pay)
- Issuer Arrangement / Payment Rails
- Nudge Inc. (registered Japanese credit card issuer). Card BIN undisclosed; this page does not speculate.
- Apple Pay / Google Pay
- Officially supports Apple Pay for contactless tap-to-pay across Visa-accepting terminals throughout Japan.
- Overseas AI Subscriptions
- Standard Japanese domestic Visa credit card, highly compatible with international SaaS and domestic Japanese subscription billings.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Oshikatsu fan reward system; everyday spending supports chosen clubs and unlocks exclusive merchandise and digital 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.
Detailed Facts
- First Regulated Japanese Credit Card Supporting Stablecoin Repayments
- Transcends traditional Japanese credit card constraints requiring local bank debit mandates, pioneering compliant JPYC stablecoin bill settlement. [1] [2]
- Permanent zero annual fee and flexible repayment model
- Zero monthly maintenance or annual fees; cardholders can initiate stablecoin repayments via the app anytime once statements generate. [1]
- Dedicated Oshikatsu Anime & Creator Community Ecosystem
- Channels card transaction rewards directly to cardholders' favorite creators, anime IPs, and sports clubs. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Nudge Inc. (registered Japanese credit card issuer). Card BIN undisclosed; this page does not speculate.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially supports Apple Pay for contactless tap-to-pay across Visa-accepting terminals throughout Japan.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports Google Wallet, compatible with Android NFC tap-to-pay.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Standard Japanese domestic Visa credit card, highly compatible with international SaaS and domestic Japanese subscription billings.
Compatibility information for this card was verified on 2026-10-18 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 230 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
- Nudge Card - credit card (Nudge Inc.)
- Web Portal Support
- Mobile App Only — No web member portal: official site nudge.cards contains only introductory landing pages and a help center; card applications, management, repayments, and membership cancellation are conducted entirely inside the Nudge App.
- Apple App Store
-
App Store Official Download ↗ All 175 storefronts (including mainland China)
- Google Play
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▶ 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
Nudge Inc. privacy policy (established 2021-07-01, amended 2024-02-08) under Japan APPI: requests for disclosure of personal data and third-party transfer logs (¥1,100 JPY incl. tax per request), rectification, addition, erasure, suspension of use, or cessation of third-party provision; states no overseas processing or foreign subcontracting; creates anonymized processed information; registers and queries credit records with CIC, participating in merchant information exchange systems; lacks GDPR or portability terms; App Store privacy link redirects to a Notion page.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Privacy policy does not specify proprietary data retention periods; CIC inquiry records retained for 6 months from query date; contract and transaction records (including delinquency) retained during contract and for 5 years post-termination; merchant exchange data retained up to 5 years.
- App Store Privacy Label
- No tracking data; Linked to you: 5 categories; Not linked: 3 categories.
- Google Play Data Safety
- Shared with 3rd parties: Personal info; Collects 2 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
In-app self-service cancellation: when statement balance is ¥0, visit Account > scroll down to 'Cancel Membership'; 30-day cancellation period begins (card immediately disabled, cancellation can be revoked), finalized after 30 days without deleting the app; cannot be submitted if unpaid balance exists or auto-debits are pending; recurring subscriptions and utility debits must be updated first; Google Play confirms deletion can be requested.
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
A Landmark Case in Japanese Yen Stablecoin Regulation
Following revisions to Japan's Payment Services Act establishing stablecoin legality, the partnership between Nudge and JPYC marks the entry of regulated stablecoins into everyday consumer credit settlement. [1] [2]
Application & Cancellation Guidelines
Restricted to lawful residents of Japan; JPYC repayments are currently invite-only; cancellations can be requested in-app once statements are cleared to zero, with cards deactivated immediately and finalized after 30 days. [1] [2]
Frequently asked questions
Can foreign nationals apply for Nudge Card?
Foreign nationals lawfully residing in Japan holding valid residency status (Residence Card or mid-to-long term visa) may apply; non-residents are ineligible.
How to repay Nudge Card statements with JPYC?
Register your personal repayment wallet in-app and transfer Polygon or Avalanche JPYC to the designated address, clearing balances within 2 business days of confirmation.
📜 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 Nudge Card on X; search results may change over time.
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