The Mitsubishi UFJ VIASO Card is a credit card issued by Mitsubishi UFJ NICOS, and it’s a great value card with no issuance fee or annual membership fee.
As a major credit card from a well-established company, you can feel completely secure—even with a 0 yen annual fee.
Still, many people may wonder if the Mitsubishi UFJ VIASO Card is truly the right choice for them. Even though it’s free, applying for multiple cards can be a disadvantage when it comes to credit screening, so it’s important to choose carefully.
This article provides a detailed explanation of the features and application process for the Mitsubishi UFJ VIASO Card. After reading, you’ll fully understand not only what kind of card it is, but also who is eligible to apply, as well as the pros and cons of using it.
・Features of the Mitsubishi UFJ VIASO Card
・Advantages and disadvantages of the Mitsubishi UFJ VIASO Card
・Fees and charges for the Mitsubishi UFJ VIASO Card
・Eligibility requirements for the Mitsubishi UFJ VIASO Card
・How to apply for the Mitsubishi UFJ VIASO Card
・Address and contact information for the card’s operating company
Source: Mitsubishi UFJ NICOS official website
Features of the Mitsubishi UFJ VIASO Card
The Mitsubishi UFJ VIASO Card is a credit card issued by Mitsubishi UFJ NICOS. Despite being issued by this major card company, the card is popular among many people because there are no issuance fees or annual fees.
The name VIASO isn’t derived from English or any other language—it’s actually a coined term created by Mitsubishi UFJ NICOS. If you try to look it up, you won’t find any meaning, but it’s said to simply come from rearranging the Japanese word for "play" (ASOVI) to create "VIASO."
Source: Mitsubishi UFJ NICOS official website
Originally, the concept behind the card was to create a credit card that people could enjoy using for leisure, but that idea has faded over time. Currently, there isn’t a deeper meaning to the "VIASO" in the Mitsubishi UFJ VIASO Card.
Pros and Cons of the Mitsubishi UFJ VIASO Card
The Mitsubishi UFJ VIASO Card is a great choice for those who need a credit card quickly. One major advantage is that the card can be issued as soon as the next business day, so you can expect it to arrive in as little as 3 days to a week after applying.
Source: Photo AC
Another attractive feature of the Mitsubishi UFJ VIASO Card is its automatic cashback function.
Points you earn are automatically converted to cash and credited to your account, without the need for any registration or application. This way, you don’t have to worry about your points expiring before you can use them.
However, keep in mind that cashback is processed once a year, one year after the card is issued, and you need to accumulate at least 1,000 points within that period.
If you prefer to use your points monthly or want to redeem them whenever you like, this system might not be as convenient for you.
Fees and Charges for the Mitsubishi UFJ VIASO Card
• Issuance Fee: ¥0
• Annual Fee: ¥0
• Installment Payment Interest Rate: 15.0%
• Card Loan Interest Rate: 14.95%–17.95%
• ATM Fee: ¥0–¥330
• Cash Advance Interest Rate: 14.95%–17.95%
• Overseas Remittance Fee: From ¥2,500
• Late Payment Fees: Shopping/14.60%, Cash Advance/19.92%
Source: Photo AC
The Mitsubishi UFJ VIASO Card is a credit card with no issuance or annual fees. As Mitsubishi UFJ NICOS is a major credit card company, the VIASO Card offers reliability and peace of mind even as a no-fee card.
All fees and charges are clearly stated by this leading provider. The late payment charge for shopping is 14.60%, while for cash advances it is 19.92%.
Eligibility Requirements for the Mitsubishi UFJ VIASO Card
To apply for the Mitsubishi UFJ VIASO Card, you must be 18 years or older with a stable income. Alternatively, students who are 18 or older (excluding high school students) are also eligible to apply. However, if you are a student or a minor, you will need parental consent.
Source: Photo AC
Although the application states that a stable income is required, there is no clear minimum annual income specified for approval. In short, as long as you have a steady income, you don't need to be a full-time employee—part-time and temporary workers are also eligible to apply.
However, it's not advisable to provide false information about your income just because you feel it’s too low. While your income doesn't have to be accurate to the last 10,000 yen, if there’s a significant discrepancy between your reported amount and what the card issuer expects, you may be contacted for confirmation or your application may be declined.
How to Apply for the Mitsubishi UFJ VIASO Card
You can apply for the Mitsubishi UFJ VIASO Card online. Simply visit the official Mitsubishi UFJ NICOS website, select the card you want to apply for, and follow the application process.
Agree to the terms and conditions, fill in your application details, and you’re done. If you prefer to apply in person, you can do so at Mitsubishi UFJ NICOS booths located in shopping malls or electronics stores. If there’s a branch nearby, you can visit and let the staff know you’d like to apply—they’ll guide you through the process.
Source: Photo AC
Applying in person allows you to ask staff any questions you might have on the spot and get explanations to your satisfaction, so it’s a good option if you’re uneasy about applying online. However, online applications sometimes come with special campaign offers, so applying online can be more beneficial.
1. Go to the official website
2. Click on "Apply Here" to access the application page
3. Agree to the terms and conditions
4. Fill in the required information
5. Screening process
6. Card issued
Address and Contact Information for Mitsubishi UFJ VIASO Card Issuer
Mitsubishi UFJ NICOS Co., Ltd., the company that issues the Mitsubishi UFJ VIASO Card, is headquartered at Akihabara UDX, 4-14-1 Sotokanda, Chiyoda-ku, Tokyo. The main branch is located at 3-33-5 Hongo, Bunkyo-ku, Tokyo. For credit card inquiries, you can call 0570-025405 or 03-5940-1100. The automated voice system is available 24 hours a day, while operator assistance is available from 9:00 a.m. to 5:00 p.m.
Source: Mitsubishi UFJ NICOS Official Website
In addition to phone inquiries, you can also contact them by email. To send an inquiry by email, simply click on the “Contact Us by Email” section on the official website and submit your message using your email address.
Summary
The Mitsubishi UFJ VIASO Card comes with no issuance or annual fees, and its automatic cashback feature means you won't have to worry about your points expiring. This makes it a great choice for those who have never used a credit card before or are looking for their very first one. In addition, there are reward programs where you can earn 2 to 25 times the usual points, making it a smart option for anyone who wants to rack up points efficiently.
Disclaimer: Applying for and using a credit card always involves certain risks. Please be sure to review the bank’s terms and conditions before submitting your application.
