The Lawson Ponta Plus Card is a credit card offered by Lawson, one of Japan’s major convenience store chains. It’s integrated with the Ponta Card, so you earn Ponta Points each time you use it.
Since Lawson has stores all over the country, the card comes with significant benefits. It’s especially advantageous for people who regularly shop at Lawson. In this article, you’ll find the following information:
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・Key features of the Lawson Ponta Plus Card
・The advantages and disadvantages of the Lawson Ponta Plus Card
・Fees and point rewards for the Lawson Ponta Plus Card
・Eligibility criteria for applying
・How to apply
・The screening and approval process
・Card contact details and address
Key Features of the Lawson Ponta Plus Card
The Lawson Ponta Plus Card is a credit card operated by Lawson Bank, which itself is run by Lawson, one of Japan’s leading convenience store chains. Leveraging the extensive network of Lawson ATMs nationwide, Lawson Bank is strongly committed to promoting cashless payments. As part of their suite of financial products, they have developed this unique credit card, the Lawson Ponta Plus Card.
As the name suggests, this card allows you to earn plenty of Ponta points. It's an especially attractive credit card for those who frequently shop at Lawson stores.
Advantages and Disadvantages of the Lawson Ponta Plus Card
The biggest advantage of the Lawson Ponta Plus Card is how easy it is to earn points when you use it at Lawson. While the base rewards rate is 0.5% at other stores, you can earn up to 2% at Lawson. The Ponta points you earn can be used at any store affiliated with the Ponta program. If you already have a Ponta card, it's simple to consolidate everything onto one card.
Another great feature is the ability to convert your Ponta points to JAL miles. With 2 Ponta points equaling 1 mile, it's more efficient compared to other credit cards. The main drawback is that if you don't shop at Lawson often, the card isn't especially rewarding, since the rewards rate drops to 0.5% outside of Lawson.
Lawson Ponta Plus Card Fees and Reward Rates
The fees and reward rates for the Lawson Ponta Plus Card are as follows. The rates are about average for standard use.
・Application Fee: 0 yen
・Annual Fee: 0 yen
・Reward Rate: 0.5%–2%
・Cash Advance Interest Rate: 14.95%–17.95%
・Revolving Payment Interest Rate: 15.00%
・Late Payment Penalty: 14.55%
・Billing Date: 15th
・Payment Due Date: 10th
Eligibility Requirements for the Lawson Ponta Plus Card
To apply for the Lawson Ponta Plus Card, you must be at least 18 years old and have a stable income, either personally or through your spouse. However, high school students are not eligible to apply. While those in high school or younger cannot apply, university students and other non-high school students are eligible. In such cases, parental consent is required.
Since having a spouse with a stable income also qualifies you, full-time homemakers can apply as well. The only people who are not eligible to apply are those who are unemployed.
How to Apply for the Lawson Ponta Plus Card
You can apply for the Lawson Ponta Plus Card online only. However, you can set up your payment account by mail if you prefer.
1. Go to the official website
2. Click on Lawson Ponta Plus Card and proceed to the application page
3. Agree to the terms and conditions
4. Enter the required information
5. Set up your payment account
6. Wait for the screening process and receive your card
Lawson Ponta Plus Card Screening
The Lawson Ponta Plus Card is technically considered a bank-issued credit card, which are often known for their strict screening processes. However, compared to typical bank cards, the screening criteria for this card are somewhat more lenient. This is because Mitsubishi UFJ NICOS, which handles the card operations on commission, is a credit sales company, so the card is categorized as a "shinpan" (credit sales) type card rather than strictly a bank card.
Since this is a Lawson-affiliated card, the aim is essentially to make using their services more convenient for customers. Application requirements are relatively easy to meet, and there is no annual fee. Taking all of this into account, the Lawson Ponta Plus Card is not considered particularly difficult to get approved for. The card also boasts fast issuance—within as little as three days—which suggests a flexible screening process.
Lawson Ponta Plus Card Address and Contact Information
The Lawson Ponta Plus Card is a credit card operated by Lawson Bank, Inc. The company's headquarters is located at 2-1-1 Osaki, Shinagawa-ku, Tokyo.
If you have any inquiries, please contact the Lawson Ponta Plus Campaign Desk at 0120-020-614. Please note that inquiries by email are not accepted.
Summary
The Lawson Ponta Plus Card is a great credit card for people who frequently shop at Lawson. Every time you use it at Lawson, you can quickly rack up Ponta Points. On the other hand, if you don’t use Lawson very often, the benefits are limited. Since the main advantage is the high points return rate at Lawson, you might find other cards with better conditions for your needs.
Note: Applying for a credit card or loan comes with risks. Please make sure to read the terms and conditions carefully before applying.
