Card Design

PRESTIA Visa GOLD CARD

PRESTIA Visa PLATINUM CARD

PRESTIA Visa GOLD CARD

PRESTIA Visa PLATINUM CARD

Basic Information

Basic Information
Qualifications
Primary card member:
As a rule, customers who are at least 25 years old and who have an account with SMBC Trust Bank PRESTIA
Family member:
Spouses sharing living expenses with primary card members, children age 18 or older (excluding high school students), parents of the members
  • *Limited to spouses if the members are students.
Primary card member:
As a rule, PRESTIA GOLD or PRESTIA GOLD PREMIUM customers who are at least 25 years old
Family member:
Spouses sharing living expenses with primary card members, children age 18 or older (excluding high school students), parents of the members
  • *Limited to spouses if the members are students.
Normal annual membership fees and conditions for discount
Primary card member: 10,000 yen (excluding tax)
  • *First year free
  • *Free with card spending of 300,000 yen or more in the previous year from the second year onward
Family members :1,000 yen (excluding tax)
  • *The first member is free. The second and subsequent members are 1,000 yen each (excluding tax)(*first year free)
  • *Free with card usage of 3 times or more in the previous year from the second year onward
Primary card member: 35,000 yen (excluding tax)
  • *First year free
  • *17,500 yen (excluding tax) with card spending of 1 million yen or more in the previous year from the second year onward
Family members : Free (for both the first year and the second year onward)

PRESTIA Rewards

If you have PRESTIA Visa GOLD CARD or PRESTIA Visa PLATINUM CARD, we will provide you ‘World Present*’ points based on your monthly amount of eligible transactions.

  • *World Present is a point service provided by Sumitomo Mitsui Card Co., Ltd. based on your credit card usage. Normally, you earn one point for every 1,000 yen in shopping spending (including consumption tax, etc.). Depending on the amount of points you have, you can exchange points for prizes or transfer them to other point programs.

Eligible transactions

Eligible transactions
1. Premium Deposit (Structured Deposit with FX Option)*1

Deposit amount per month

5 million yen or more
140 points

Deposit amount per month

5 million yen or more
280 points
2. Foreign currency transactions from yen funds (excluding currency exchange and fund transfer)*2

Deposit amount per month

1 million yen or more
35 points
2 million yen or more
70 points
3 million yen or more
105 points
4 million yen or more
140 points
5 million yen or more
140 points

Deposit amount per month

1 million yen or more
35 points
2 million yen or more
70 points
3 million yen or more
105 points
4 million yen or more
140 points
5 million yen or more
210 points
  • *1
    • For deposit in Foreign Currency or Cross Currency Type Premium Deposit, yen equivalent amount of the deposit will be calculated using the TTB rate specified by the bank on the last business day of the month preceding the date of the transaction.
    • Please read the Information Memorandum and Pre-Contract Document carefully, and make sure you fully understand the product before applying for a Premium Deposit.
  • *2
    • Please read the Information Memorandum and Pre-Contract Document carefully, and make sure you fully understand the product before making a foreign currency deposit transaction.

Other Reward

Other Reward
Account maintenance fee waiver
If you have PRESTIA Visa GOLD CARD or PRESTIA Visa PLATINUM CARD, your SMBC Trust Bank PRESTIA account maintenance fee ( 2,000 yen per month, excluding tax) will be waived.*
  • *If you cancel your PRESTIA Visa Card, this fee will not be waived. In addition, family members are not eligible.
  • *SMBC Trust Bank PRESTIA charges a monthly account maintenance fee of 2,000 yen (excluding tax) to your account on the second business day of each month. Please note, however, that no such fee will be charged for the month in question if your Total Average Monthly Relationship Balance of the previous month or other conditions satisfy specific requirements.

Notes about PRESTIA Rewards

  • Only a card you have on the last business day of each month is eligible for these rewards.
  • These rewards are available only when you designate an SMBC Trust Bank account as the credit card’s charge account.
  • As a rule, points are granted two months after the month in which you made the transaction. However, please be aware that this may be delayed due to system-related issues, etc.
  • Points cannot be granted if the correct account number is not filled in the application form.
  • Please note that if your card has been canceled or suspended when points are allocated, it may not be eligible for rewards.
  • When you switch the card that is eligible for rewards, the number of points granted for a certain transaction amount may change depending on the card to which you are switching.
  • Family members are not eligible.
  • Rewards and reward conditions may be changed or discontinued at any time without notice.

Notes about the calculation period for discounted annual membership fees

  • Only card spending (sales data) from participating stores arriving at Sumitomo Mitsui Card Co., Ltd. during the calculation period is eligible. Any sales data not arriving during the calculation period will be excluded from the total.
  • Annual membership fees, some insurance premiums, cash advance payments, etc. will not be included in your total card spending.
  • Please inquire at Sumitomo Mitsui Card Co., Ltd. for more information about discounted annual membership fees.

Important Notes for applications

  • Applications for the PRESTIA Visa GOLD CARD or PRESTIA Visa PLATINUM CARD are screened by Sumitomo Mitsui Card Co., Ltd. For this reason, you will be contacted by Sumitomo Mitsui Card Co., Ltd. about the results of the screening. Not all applications are accepted. SMBC Trust Bank has no connection with credit card services, including this review process. Any disputes related to results of these reviews are resolved between the customer and Sumitomo Mitsui Card Co., Ltd.
  • English versions of Terms and Conditions and Additional Clauses are for reference purposes only. If there are any differences from the Japanese version, the Japanese version shall prevail.
  • Please be aware that the charge statements and after-sales services* are all provided in Japanese.
    • *Address change procedures, procedures for applying for additional cards, all procedures related to the associated insurance, various communications, etc.
  • Application forms and any other documents submitted during the application process cannot be returned.
  • Please note that you cannot apply for the card with addresses outside Japan.
  • Rewards and reward conditions may be changed or discontinued at any time without notice.
  • If you close your SMBC Trust Bank savings account, your affiliated credit card will also be canceled automatically.
  • *Taxes calculated at the prescribed rate will also be applied to prices listed as "Base Price (excluding tax)".
    Check your monthly card statement for the full amount charged.
  • *PRESTIA Visa GOLD CARD and PRESTIA Visa PLATINUM CARD are credit cards issued by Sumitomo Mitsui Card Co., Ltd.
  • *Credit card functions and services are provided by Sumitomo Mitsui Card Co., Ltd.

Contact Us

Joining a Credit Card application

Credit Card Information Desk