DC Card General Card VISA Overview
This is the most basic credit card packed with full functions and services. In collaboration with VISA / MasterCard, it is very active both in Japan and overseas. The first year annual fee is free.
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The most basic card. |
- DC card | General | First year free | ETC free
DC card General card VISA Detailed data
| Annual fee | Main member | First year | free |
| After the second year | 1,312 yen | ||
| Family member | First year | free | |
| After the second year | 420 yen | ||
| Remarks | |||
| Examination / Card issuance | Card issuance period | Minimum 7 working days | |
| Eligibility | Main member | Those who are 18 years old or older except high school students and have a stable income. | |
| Family member | Parents, spouses, and children with the same livelihood (18 years of age or older except high school students) | ||
| Remarks | |||
| shopping | Usage limit | 100 to 300,000 yen | |
| Interest fee | One payment | free | |
| Two payments | free | ||
| Bonus lump sum payment | free | ||
| Revolving payment | 13.20% | ||
| Installment payment | 10.20 to 13.20% | ||
| Remarks | |||
| Point service | Point program | DC Happy Present | |
| Points granted (per 1,000 yen) |
1.00 point (0.100%) |
||
| expiration date | 2 to 3 years | ||
| Minimum exchange point | 200 points | ||
| point | unit price | 5.00 yen | |
| Redemption rate | 0.50% | ||
| Remarks | When the points deducted from April to March of the following year reach 200 points, the point expiration date is extended. | ||
| Card loan | Extreme loan amount | 0-1,000,000 yen | |
| Real annual rate | 18.00% | ||
| Remarks | |||
| caching | Extreme loan amount | ¥ 200,000 | |
| Real annual rate | Revolving payment | － | |
| Lump-sum payment | 27.80% | ||
| Remarks | |||
| Incidental insurance | Overseas travel accident insurance | Injury death or after-effects | － |
| Injury treatment costs | － | ||
| Disease treatment costs | － | ||
| Damage to personal belongings | － | ||
| Liability | － | ||
| Relief expenses, etc. | － | ||
| Domestic travel accident insurance | Injury death or after-effects | － | |
| Hospitalization (per day) | － | ||
| Overseas shopping insurance | Annual limit | － | |
| Coverage period (from date of purchase) | － | ||
| Out-of-pocket (per accident) |
－ | ||
| Domestic shopping insurance | Annual limit | － | |
| Coverage period (from date of purchase) | － | ||
| Out-of-pocket (per accident) |
－ | ||
| Remarks |
* Be sure to check the basic data on the card with that of the card issuer.
Compare with other DC cards
| DC card | Annual fee | shopping | Card loan | caching | |||
| Main member | Family member | Usage limit (10,000 yen) |
Extreme loan amount (10,000 yen) |
Extreme loan amount (10,000 yen) |
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| First year (yen) |
From the second year (yen) |
First year (yen) |
From the second year (yen) |
||||
| General card VISA | 0 | 1,312 | 0 | 420 | 10-30 | 0-100 | 20 |
| General Card MasterCard | 0 | 1,312 | 0 | 420 | 10-30 | 0-100 | 20 |
| Esprit VISA | 0 | 0 | － | － | Ten | － | Three |
| Esprit MasterCard | 0 | 0 | － | － | Ten | － | Three |
| Jizile VISA | 0 | 0 | 0 | 0 | 10-30 | 0-100 | 20 |
| Jizile MasterCard | 0 | 0 | 0 | 0 | 10-30 | 0-100 | 20 |
| News VISA | 0 | 1,575 | 0 | 577 | 10-30 | 0-100 | 20 |
| News MasterCard | 0 | 1,575 | 0 | 577 | 10-30 | 0-100 | 20 |
| Gold Card Van VISA | 3,150 | 3,150 | 0 | 0 | 50-80 | 0-100 | 20 |
| Gold Card Van MasterCard | 3,150 | 3,150 | 0 | 0 | 50-80 | 0-100 | 20 |
| Gold card VISA | 10,500 | 10,500 | 0 | 0 | 50-200 | 0-300 | 20 |
| Gold Card MasterCard | 10,500 | 10,500 | 0 | 0 | 50-200 | 0-300 | 20 |
| DC card | shopping | Card loan | caching | |||||
| One-time payment (%) |
Pay twice (%) |
Bonus (%) |
Revo payment (%) |
Installment payment (%) |
Installment payment (%) |
Revo payment (%) |
Lump-sum payment (%) |
|
| General card VISA | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 18.00 | － | 27.80 |
| General Card MasterCard | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 18.00 | － | 27.80 |
| Esprit VISA | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | － | － | 27.80 |
| Esprit MasterCard | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | － | － | 27.80 |
| Jizile VISA | － | － | － | 13.20 | － | 18.00 | － | 27.80 |
| Jizile MasterCard | － | － | － | 13.20 | － | 18.00 | － | 27.80 |
| News VISA | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 18.00 | － | 27.80 |
| News MasterCard | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 18.00 | － | 27.80 |
| Gold Card Van VISA | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 18.00 | － | 27.80 |
| Gold Card Van MasterCard | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 18.00 | － | 27.80 |
| Gold card VISA | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 15.00 | － | 27.80 |
| Gold Card MasterCard | 0.00 | 0.00 | 0.00 | 13.20 | 10.20 to 13.20 | 15.00 | － | 27.80 |
| DC card | Travel accident insurance | Shopping insurance | ||||||||||||
| overseas | Domestic | overseas | Domestic | |||||||||||
| Injury death and after-effects (10,000 yen) |
Injury treatment costs (10,000 yen) |
Cost of treatment due to disease (10,000 yen) |
Damage to belongings (10,000 yen) |
Liability (10,000 yen) |
Relief expenses, etc. (10,000 yen) |
Injury death and after-effects (10,000 yen) |
Hospitalization (per day) (yen) |
Annual limit (10,000 yen) |
Compensation period (days) |
Out-of-pocket (per accident) (yen) |
Annual limit (10,000 yen) |
Compensation period (days) |
Out-of-pocket (per accident) (yen) |
|
| General card VISA | － | － | － | － | － | － | － | － | － | － | － | － | － | － |
| General Card MasterCard | － | － | － | － | － | － | － | － | － | － | － | － | － | － |
| Esprit VISA | － | － | － | － | － | － | － | － | － | － | － | － | － | － |
| Esprit MasterCard | － | － | － | － | － | － | － | － | － | － | － | － | － | － |
| Jizile VISA | 1,000 | 30 | 30 | Ten | 1,000 | － | － | － | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| Jizile MasterCard | 1,000 | 30 | 30 | Ten | 1,000 | － | － | － | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| News VISA | 2,000 | 50 | 50 | Fifteen | 2,000 | 100 | 2,000 | － | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| News MasterCard | 2,000 | 50 | 50 | Fifteen | 2,000 | 100 | 2,000 | － | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| Gold Card Van VISA | 3,000 | 100 | 100 | 20 | 2,000 | 100 | 3,000 | 3,000 | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| Gold Card Van MasterCard | 3,000 | 100 | 100 | 20 | 2,000 | 100 | 3,000 | 3,000 | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| Gold card VISA | 5,000 | 150 | 150 | 50 | 2,000 | 150 | 5,000 | 5,000 | 100 | 90 | 10,000 | 100 | 90 | 10,000 |
| Gold Card MasterCard | 5,000 | 150 | 150 | 50 | 2,000 | 150 | 5,000 | 5,000 | 100 | 90 | 10,000 | 100 | 90 | 10,000 |