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三菱UFJカード ゴールド cashback rate, cap and annual fee

三菱UFJカード ゴールド pays 5.6% at MUFG point-up stores: convenience stores and listed supermarkets, 5.6% at MUFG point-up stores: listed restaurant chains, 5.6% at MUFG point-up stores: other listed merchants and 0.4% on everything else. The card costs JPY 11,000 a year.

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.

Mitsubishi UFJ NICOS · Japan · catalogue v121

Read from Mitsubishi UFJ NICOS's own published terms on 30 Oct 2026.

JPY 11,000Annual fee
JPY 50,000Spend at the top rate, a month
5.6%Best rate

What it pays, by category

SpendingRateMonthly cap
MUFG point-up stores: convenience stores and listed supermarketsgroceries5.60%—Seven-Eleven, Lawson and the listed supermarkets (OK, Tokyu Store, Tobu Store, Oozeki and others) at the point-up rate. Point-up programme: needs the
MUFG point-up stores: listed restaurant chainsdining5.60%—Listed restaurant and cafe chains (Sushiro, Kura Sushi, Matsuya, Zetteria, Ueshima Coffee, Cafe de Crie, Pizza Hut online) at the point-up rate. Point
MUFG point-up stores: other listed merchantseverything else5.60%—Akachan Honpo, Curves, Coca-Cola vending machines and Starbucks Card online top-ups at the point-up rate. Point-up programme: needs the card paid from
everything else0.40%—1 Global Point per 1,000 yen of the month's total, 0.4% at the 4 yen cashback value.
Global Point: 1 per 1,000 yen of the month's total. MUFG prices a point at 5 yen for goods and 4 yen as cashback; 4 yen is used, so 0.4% generally and 5.6% at the point-up stores. Rules removed: 20% is the maximum with several conditions stacked (最大優遇); the 5% on phone bills, electricity, Apple, ABEMA and other subscriptions was wrong, because paying those with the card raises the point-up stores' rate and MUFG says the services themselves are excluded (特定のサービスのご利用分は対象外); the 2% NISA credit-card investing is not spending. Akachan Honpo was filed under pharmacy; it is a baby-goods store. From the 12 Jan 2027 bill, utilities, taxes, insurance and telecom earn 1 point per 5,000 yen; not yet modelled. 2,200 points on 1,000,000 yen a year not modelled. 11,000 yen a year, first year free when applied for online with a MUFG account. Visa, Mastercard, JCB or Amex; Visa kept. Source: bk.mufg.jp 三菱ＵＦＪカード ゴールド page, cr.mufg.jp Global Point page and its 基本ポイント付与率が異なるご利用先 page, read 30 Oct 2026.

Questions people ask

What cashback does the 三菱UFJカード ゴールド pay?

5.6% at MUFG point-up stores: convenience stores and listed supermarkets, 5.6% at MUFG point-up stores: listed restaurant chains, 5.6% at MUFG point-up stores: other listed merchants and 0.4% on everything else.

Is there a cap on the 三菱UFJカード ゴールド?

No monthly cap is published on the rates shown here.

What is the annual fee on the 三菱UFJカード ゴールド?

JPY 11,000 a year.

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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