How to Apply for The Orico Card: A Comprehensive Guide

The Orico Brand has been running for decades and has established its reputation along the way. One of its major accomplishments is The Orico Card.

Understanding the company's evolution and its range of financial products is essential for anyone considering applying for an Orico card.


This guide provides a comprehensive overview of Orico's legacy and the wide array of credit card options available to cater to your unique needs.

The Orico Brand: Knowing The Company's History and Business

If you want to apply for the Orico card, you must first learn about the company's history to establish trust and insight.

Read more about the history of the Orico point card below:

  • 1954 - Founded as Hiroshima Coupon, issuing coupon certificates.
  • 1961 - Established Hiroshima Credit Sales Co., Ltd., expanding financing services.
  • 1967 - Renamed to Hiroshima Consumer Credit Co., Ltd.
  • 1969 - Launched credit card services, marking a significant entry into the credit industry.
  • 1974 - Merged with Orient Finance Co., Ltd., becoming Orient Corporation (Orico).
  • 1981 - Introduced international credit cards, expanding global reach.
  • 1983 - Adopted credit cards with magnetic stripes, enhancing security and usability.
  • 1998 - Became the first in the industry to offer online credit card enrollment.
  • 2000s - Formed strategic partnerships with Mizuho Bank and ITOCHU Corporation.
  • The 2010s - Expanded internationally, establishing auto loan businesses in Thailand and the Philippines.
  • Recent Years - Integrated modern payment services like Alipay and Apple Pay, adapting to the digital age.

Orico's Business Overview

Orico Corporation has established itself as a leading financial services provider, offering a diverse range of products and services to meet its customers' evolving needs.

Below is an overview of the key business areas in which Orico excels:

Auto Loans

Orico's flagship product, the auto loan business, boasts the industry's top market share.


With a strong reputation and extensive experience, Orico continues to lead in providing flexible and accessible financing options for automobile purchases.

Shopping Credit

Orico's shopping credit business is built on decades of experience.

It offers consumers convenient and straightforward credit options for their retail purchases, enhancing the shopping experience with flexible payment solutions.

Credit Cards

Staying ahead in the competitive credit card market, Orico offers attractive reward-point programs and leverages internet-based services to provide innovative and user-friendly card options that cater to diverse consumer preferences.

Bank Loan Guarantee

Orico's bank loan guarantee business has the industry's highest client number.

Settlement and Guarantee

Addressing various corporate needs, Orico's settlement and guarantee business offers solutions, including rent guarantees and accounts receivable settlement guarantees, ensuring security and efficiency in financial transactions.

E-commerce Transaction Settlement

With the e-commerce market's rapidly diversifying needs, Orico's e-commerce transaction business provides tailored settlement solutions that ensure seamless and secure online transactions, supporting the growth of e-commerce businesses.

List of Credit Cards Orico Offers

Orico presents a diverse array of credit card options catering to a wide range of customer preferences.

Each card boasts unique designs and functionalities, ensuring there's something for everyone.

  • Orico Card THE POINT—Earn points quickly with no annual fees. After six months, you'll receive a double points rate and special deals at Orico Mall. This card features "Contactless Payment."
  • Premium Gold offers luxury at a competitive annual fee. It includes "Contactless Payment" and Orico Club Off benefits.
  • EX Gold for Biz - Ideal for business owners, with an annual fee of ¥2,000 (excl. tax). Includes preferential points program, Business Assist, and Mastercard T&E Savings.
  • OricoCard PayPass - Features internationally accepted "Contactless Payment," providing a seamless payment experience.
  • Co-branded Credit Cards - Around 1,500 types, each tailored to provide value to partners and cardholders.
  • Mizuho Mileage Club Card/THE POINT—Exclusive for Mizuho Bank accounts, this card offers a 1.0% rewards rate and "Happy Benefits" through the Mizuho Mileage Club. It also includes "Contactless Payment."
  • EDION Card - Offers benefits like an extended five-year repair warranty for purchases over ¥5,000 (excl. tax) and reward points accumulation at Edion and other retailers.
  • HILLS CARD Mastercard - Provides convenience and benefits for purchases at Roppongi Hills, Omotesando Hills, and Toranomon Hills. Earn Credit Points for payment and Hills Points for various benefits.
  • Costco Global Card - High-return card for Costco members, with a fee of 1.5% for use in Japan and 1.0% for use in other merchants.
  • Skywalker Card - In partnership with H.I.S. Co., Ltd., offers five times the usual reward points for travel packages and discounts on exclusive tours and duty-free shopping at Narita Airport.
  • Socially Responsible Credit Cards - Contribute to society with each purchase. Supports nature conservation, social welfare, and other initiatives.
  • Wild Bird Society of Japan Card - Supports the protection of wild birds and their natural environment.
  • Japan Society for the Prevention of Cruelty to Animals Card - Aids in various animal welfare projects.
  • ULTRAMAN JCB GOLD CARD - A social contribution-type card that helps children affected by the Great East Japan Earthquake.
  • Contactless Smart Card Payment Services - Supports "QUICPay™," "Contactless Payment," and "Kitaca" for swift, secure, and convenient payments.

How to Apply for An Orico Credit Card

To apply, just follow these simple steps and make sure you are on the right application website Orico:

  1. Select a Card: Choose the Orico card that fits your needs.
  2. Check Eligibility: Ensure you meet the age, income, and credit criteria.
  3. Prepare Documents: Get your ID, proof of income, and address ready.
  4. Apply: Fill out the application form online or at a branch.
  5. Submit: Send in your application with the required documents.
  6. Wait for Approval: Your application will be reviewed.
  7. Receive Your Card: If approved, your card will be mailed to you.
  8. Activate and Use: Follow the instructions to activate your card and start using it.

Moreover, check what you need to be eligible to apply. So check if you are fit to apply:

  • Must be at least 18 years old (20 years old for certain cards).
  • Must have a stable income source.
  • Must have a good credit history.
  • Must be a resident of Japan.

Lastly, When applying for an Orico card, you will need to provide several documents for verification purposes.

Typically, these include a valid form of identification such as a driver's license or passport, proof of income like a recent payslip or tax return, and proof of residence, which could be a utility bill or a residence certificate.

Make sure all documents are up-to-date and clearly legible to ensure a smooth application process.

Contact Information for Assistance

For any inquiries or assistance regarding Orico cards, you can reach out to Orico Corporation at the following address and telephone number:

  • Address: 2-1, Kojimachi 5-chome, Chiyoda-ku, Tokyo 102-8503, Japan
  • Telephone: +81-3-5877-1111

For directions and an access map to the Orico Corporation office, please visit their official website or contact their customer service for further assistance.

Final Thoughts

In summary, Orico Corporation's long history and innovation make it a trusted choice for credit card and loan services. With a wide range of card options, Orico meets diverse needs.

If you're considering an Orico card, check the eligibility criteria and have your documents ready for a smooth application process.

Enjoy the benefits and convenience of being an Orico cardholder.


This article is for informational purposes only and does not constitute financial advice.

Please consult with a financial advisor or the relevant financial institution before making any decisions regarding credit cards or loans.