In this article, we'll introduce the Suruga JCB Gold Card. Issued by Suruga Card, a subsidiary of Suruga Bank, this credit card lets you enjoy the same benefits as the JCB Gold Card.
Simply put, it's a JCB Gold Card that comes with Suruga Bank status. It offers a variety of travel-related perks, making it a must-see credit card for travel enthusiasts. In this article, you'll find information on the following topics:
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・Features of the Suruga JCB Gold Card
・Pros and cons of the Suruga JCB Gold Card
・Fees and rewards rates for the Suruga JCB Gold Card
・Application requirements for the Suruga JCB Gold Card
・How to apply for the Suruga JCB Gold Card
・The screening process for the Suruga JCB Gold Card
・Contact address and information for the Suruga JCB Gold Card
Features of the Suruga JCB Gold Card
The Suruga JCB Gold Card is a credit card issued by Suruga Card. Designed for Suruga Bank customers, it is a gold card carrying the JCB brand. Although credit cards issued by Suruga Card are often considered to be Suruga Bank’s credit cards, technically, they are not directly issued by the bank itself. In fact, Suruga Bank also has credit cards that it has issued directly.
However, since Suruga Bank is no longer accepting new credit card applications, only Suruga Card credit cards are currently available. If you wish to apply, you’ll need to visit the Suruga Card website instead of the Suruga Bank website.
Advantages and Disadvantages of the Suruga JCB Gold Card
If you use Suruga Bank and enjoy traveling, it's worth considering the Suruga JCB Gold Card. The main reason is that the Suruga JCB Gold Card offers numerous travel-related benefits. For instance, you get complimentary access to airport lounges within Japan and at Daniel K. Inouye International Airport. On top of that, the card provides comprehensive coverage, including up to 100 million yen in overseas travel accident insurance and up to 50 million yen in domestic coverage, even if you haven’t used the card for your trip.
One more highlight is that a supplementary family card is available for one person free of charge, which is a fantastic perk. It’s especially convenient for couples who may want to carry one card each while traveling separately. However, keep in mind that when traveling abroad, JCB cards are not always accepted everywhere. It's a good idea to carry a backup card, such as a VISA or Mastercard. You shouldn’t have issues in popular destinations like Hawaii, where many Japanese tourists go, but be cautious when visiting less-traveled regions.
Fees and Rewards Rate for the Suruga JCB Gold Card
Here are the fees and rewards rate for the Suruga JCB Gold Card. These reflect the standard rates.
・Application Fee: 0 yen
・Annual Fee: 11,000 yen (including tax)
・Rewards Rate: 0.5%
・Installment Payment Interest Rate: 12.00% – 14.50%
・Late Payment Penalty: 14.60%
・Statement Closing Date: End of month
・Payment Due Date: 5th of the month, two months later
Application Criteria for the Suruga JCB Gold Card
You can apply for the Suruga JCB Gold Card if you are 20 years or older and have a stable, continuous income. Even students over 20 might be eligible, but you must have a steady income yourself to qualify. Keep in mind that "stable, continuous income" means receiving a consistent income each month, regardless of how high your annual salary is.
For example, even if your annual income is 5 million yen, if your monthly income fluctuates—like earning 500,000 yen one month and 200,000 yen the next—it wouldn't be considered stable. On the other hand, if you’re a part-time or temporary worker but have a reliable, steady stream of income, you can still apply. Although the screening may be stricter than for full-time employees, not being a full-time worker doesn’t automatically disqualify you from applying.
How to Apply for the Suruga JCB Gold Card
You can apply for the Suruga JCB Gold Card through the official Suruga Card website. From the JCB Card page, select the Suruga JCB Gold Card and proceed with your application.
1. Go to the official website
2. Click on the Suruga JCB Gold Card and go to the application page
3. Agree to the terms and conditions
4. Fill in the required information
5. Screening process
6. Card issuance
Screening Process for the Suruga JCB Gold Card
The Suruga JCB Gold Card’s screening process is stricter than that of a standard card, but since part-time and temporary workers can also apply, it’s not excessively difficult to get approved. While it is technically a bank-affiliated card, its application criteria are the same as those for the Original JCB Gold Card.
The first thing the screening looks at is the applicant’s occupation. Understandably, those who are company employees or civil servants with stable incomes are at an advantage. In contrast, part-time, temporary, or dispatch workers may be viewed as having less stable income, which could put them at a disadvantage, even if they are eligible to apply. It is also risky to apply for a gold card right away. Therefore, it’s best to start by applying for a standard card and use it for a period of time before moving up to a gold card.
Suruga JCB Gold Card Address and Contact Information
The Suruga JCB Gold Card is operated by Suruga Card Co., Ltd.
The headquarters is located at 1-7-1 Nihonbashi Muromachi, Chuo-ku, Tokyo. You can contact them by phone at 055-952-0202. For email inquiries, please use the contact form on the official website.
Summary
In this article, we introduced the Suruga JCB Gold Card. This card is perfect for those who use Suruga Bank and love to travel. It offers great perks such as complimentary lounge access and robust insurance coverage, so you can feel secure even in unexpected situations. While it is a domestic brand and may have limitations when used overseas, it’s a convenient credit card that works smoothly within Japan.
Note: Applying for a credit card or a loan carries risks. Please review the terms and conditions before applying.
