PayPayカード (PayPay Card) cashback rate, cap and annual fee
PayPayカード (PayPay Card) pays 1% on everything, as a base rate and 0.5% on government.
PayPay Card · Japan · catalogue v101
Read from PayPay Card's own published terms on 12 Sep 2026.
NoneAnnual fee
1%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 1.00% | —Everything else, per ¥200 including tax. |
| government | 0.50% | —Electricity, gas, water and tax payments: base rate halves to 0.5%. |
Base 1.0%, calculated per ¥200 including tax. But electricity, gas and water charges and tax payments drop to a 0.5% base — this entry previously paid 1% on exactly that category, so it recommended the card for a utility bill at twice what it pays. Source: paypay-card.co.jp/service/benefit/point/, checked 12 Sep 2026.
Questions people ask
What cashback does the PayPayカード (PayPay Card) pay?
1% on everything, as a base rate and 0.5% on government.
Is there a cap on the PayPayカード (PayPay Card)?
No monthly cap is published on the rates shown here.
What is the annual fee on the PayPayカード (PayPay Card)?
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. It works offline and never connects to a bank.
Download on the App Store