au PAY カード cashback rate, cap and annual fee
au PAY カード pays 1% on everything, as a base rate.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
au Financial Service · Japan · catalogue v117
Read from au Financial Service's own published terms on 30 Oct 2026.
NoneAnnual fee
1%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 1.00% | —1 Ponta point per 100 yen (1%), utilities included; Ponta is 1 point = 1 yen as au PAY balance. |
1 Ponta point per 100 yen on card spend, utility bills included, with no annual fee (永年無料). Ponta points are used at 1 point = 1 yen (au PAY balance, Lawson). Not modelled: up to 1.5% on au PAY auto-charge (an 'up to' with a 500-point monthly cap), 2 points per 200 yen extra on Gas for au, and the au phone-bill rates that need the auマネ活 plan. Visa or Mastercard; Visa kept. Source: kddi-fs.com card comparison page and point pages, au.com FAQ cf00000362, read 30 Oct 2026.
Questions people ask
What cashback does the au PAY カード pay?
1% on everything, as a base rate.
Is there a cap on the au PAY カード?
No monthly cap is published on the rates shown here.
What is the annual fee on the au PAY カード?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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