If you’re a foreigner struggling to get a credit card, try these:


Deposit or Secured Credit cards are present in Japan as well (albeit not as prominent). These cards will be reported to credit agencies for credit building and are also avenues to getting an ETC with a high enough deposit.

  • Life Card (No employment required, no issuance fee, 5,500円 annual fee)
  • Nexus Card (Employment required, 550円 issuance fee, 1,375円 annual fee)
  • Luxury Card (Not stated if employment required, no issuance fee, 55,000円 annual fee)

Source: Unemployed foreign resident, no PR, got Deposit Life Card approved.

by BurberryC06

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