Orico THE POINT cashback rate, cap and annual fee
Orico THE POINT pays 1.67% at Orico Mall and 0.83% on everything else.
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.
Orico · Japan · catalogue v121
Read from Orico's own published terms on 30 Oct 2026.
NoneAnnual fee
1.67%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Orico Mallonline and delivery | 1.67% | —Through the Orico Mall portal: 1% card + 0.5% or more mall + 0.5% special, so 2 points per 100 yen at the lowest mall rate (1.67%). |
| everything else | 0.83% | —1 Orico Point per 100 yen, 0.83% at 1,200 points = 1,000 yen. |
| Edy and nanaco top-ups | None | —Edy and nanaco top-ups and membership-fee payment services earn no Orico Points. |
| rent and property | None | —Rent payments earn no Orico Points (家賃決済は対象外). |
Orico advertises 1.0%: 1 Orico Point per 100 yen. Its own exchange list prices most redemptions at 1,200 points for 1,000 yen (PayPay points, Amazon gift cards 600 for 500, Apple, Google Play, nanaco, Edy, d point, Ponta) and a few at par (WAON POINT, FamiPay, J-Coin, Uber Eats); the lower is used, so 0.83%. Orico Mall 2 points per 100 yen or more (tagged). Removed: 0.5% extra on iD, QUICPay and revolving credit belong to THE POINT PREMIUM GOLD, not this card. Not modelled: double points for the first six months (to 5,000 extra points). Fixed: the entry was filed as Visa; Orico issues THE POINT on Mastercard or JCB. No annual fee. Source: orico.co.jp THE POINT page, Orico Point exchange list and Orico Point notes, read 30 Oct 2026.
Questions people ask
What cashback does the Orico THE POINT pay?
1.67% at Orico Mall and 0.83% on everything else.
Is there a cap on the Orico THE POINT?
No monthly cap is published on the rates shown here.
What is the annual fee on the Orico THE POINT?
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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