If you're looking into making an Orico card application, you're in the right place.
This guide covers everything you need—from Orico card apply process, contact info, interest rates, to managing your application effectively.
Read if you’re interested in the Orico card app, Orico Apple, or simply understanding how Orico Japan makes the process seamless.
What Is the Orico Card?
Orico (Orient Corporation) is one of Japan’s leading consumer credit card issuers.
It offers a variety of cards tailored to different user needs—from no-fee reward cards to premium, higher-tier options.
Popular offerings include the Orico Card THE POINT—a no-annual-fee card with high reward rates.
Costco Global Card—First-year free; ¥1,375 (tax incl.) annual fee thereafter; includes features like Apple Pay support and Mastercard contactless.
Orico Card Application Process
Submitting an Orico card online application involves a structured, straightforward process:
- Choose the Card: Navigate Orico’s official site and select the card best suited to your lifestyle or rewards preferences.
- Input Personal Information: You’ll need your address, phone number, residence duration, annual income, and other basic personal details.
- Employment or Educational Details: Depending on your status, provide your workplace or school information.
- Proof for Cash Advances: If applying for a cash advance (cashing), and your total credit, including this, exceeds certain thresholds (e.g., ¥500,000 with Orico; ¥1,000,000 including other lenders), you'll need to submit income documentation.
- Verification and Delivery: Orico uses identity verification; once validated, the card is mailed via registered post.
- Timeframe: Expect to receive your card within about 2–3 weeks from application.
If applying via the Orico card app, the steps remain fundamentally the same, but with a streamlined interface and mobile-friendly submission.
Orico Card Interest Rates & Fees
Understanding fees is essential when you apply for a credit card:
| Fee Type | Typical Range / Notes |
|---|---|
| Annual Fee | ¥0 for standard cards (e.g., THE POINT); ¥1,320–¥13,200 for premium cards |
| Purchase (Shopping) Interest | Approx. 15%–18% APR if balance isn’t repaid monthly |
| Cash Advance Interest | Around 18% APR, charged daily |
| Late Payment Fees | Typically 14.6%–20%, depending on card and delay |
| Foreign Transaction Fee | Approximately 1.6%–2.0% for overseas use |
| Issuance Fee | Usually none for standard cards; possibly applicable for special cards |
| ETC Card Fee (Optional) | Free for some cards; others may charge under ¥1,000 |
For Apple Pay (Orico Apple) users, supported cards allow easy digital wallet integration.
The Costco Global Card and many others support Apple Pay.
Orico Japan Contact Details
If you need support during your Orico card application, here are the contact details:
- Head Office Address: 2‑1, Kojimachi 5‑chome, Chiyoda‑ku, Tokyo 102‑8503, Japan.
- General Inquiries Phone Number: +81‑3‑5877‑1111.
- Web Credit / Shopping Loan Support: 03‑5226‑1881 (Weekdays 9:30–17:30, excluding holidays).
- Apple Shopping Loan Contact: 0120‑993‑993 (General) / 0120‑994‑994 (Student/Educator use).
Branch Inquiries
Orico also operates branch-specific “Card Centers.” For example, the Tokyo “Credit Center Tokyo Second Office” handles shopping credit questions and can be reached at +81‑3‑6633‑1057.
Additional Insights & Tips
There are many things to consider in the Orico card application.
- Orico Application via Apple Shopping Loan: If purchasing Apple products, Orico offers 0% interest plans up to 24 installments; beyond that, incremental rates apply (e.g., 6.59% for 30 months, 13.30% for 60 months).
- Community Feedback: Some users report that although standard APR can reach up to 18%, applications done via Apple channels may offer 0% financing options for shorter terms.
- Income Document Threshold: If your request exceeds Orico’s credit limits, have documentation ready (pay slips, tax returns) to speed up approval.
- Card Delivery: Orico cards are typically delivered within 2–3 weeks after identity verification is complete. Make sure someone is available to sign for it.
- Language Support: Most Orico application pages are in Japanese, so using a browser with translation or seeking assistance may help if you’re a non-Japanese speaker.
Competitors
Here’s a comparison highlighting how the Orico Card THE POINT stacks up against other popular Japanese credit cards.
| Card | Annual Fee | Reward Rate / Benefits | Foreign-Friendliness & Perks |
|---|---|---|---|
| Orico Card THE POINT | ¥0 | ~1% cashback on all spending | No annual fee; no foreign transaction fee; includes rewards, purchase protection, extended warranty, rental car insurance, and optional ETC card |
| Rakuten Card | Free | ~1% per 100 ¥; extra Rakuten points on Rakuten services; elevated point earnings | Easy application; widely accepted; strong for Rakuten ecosystem; travel insurance up to ¥20M; foreign-friendly |
| EPOS Card | Free | 0.5%–0.75% (1 point per ¥200) and discounts at Marui stores | No foreign transaction fees; included purchase protection, extended warranty, and rental car insurance; English support via GTN partnership |
| JCB Card W | Free first year (then ¥1,375) | ~0.5% cashback; fee waived if spending ≥ ¥500,000 annually | Japan-based brand; accepted widely; occasional promotions; suitable for frequent users |
| Amazon Mastercard (SMBC) | Free | 2% cashback on Amazon; 1% elsewhere | Great for Amazon shoppers; easy application; limited travel perks |
| Credit Saison (Saison Card) | Free for basic; ¥1,575–¥10,500+ for premium | Moderate rewards; varies by card tier | Issuer of many retail-affiliated cards (Muji, Seibu, etc.); generally expat-friendly; varied benefits depending on card |
Orico Card THE POINT stands out for having no annual or foreign transaction fees, plus attractive rewards and solid protections.
This makes it a strong, flexible choice for everyday users, both locals and expats.
Conclusion
The Orico card application is a smooth process if you know the steps. When in doubt, Orico’s Tokyo office or support lines are there to help.
Whether you’re focusing on orico card apply through the website or app, or using orico apple compatibility, you’ll find options that suit both casual spenders and premium users.
Bear in mind the interest rates—especially for purchases carried over—and take advantage of promotional offers like 0% installment plans for Apple products.
Disclaimer: This article is for informational purposes only and does not constitute financial advice or guarantee approval. Terms, interest rates, and fees may change over time. Always consult Orico’s official documentation or contact their customer service to verify the latest application procedures and conditions.
