Apple Pay Japan Credit Cards


1︎⃣ Apple Pay Suica Guide
2︎⃣ Apple Pay Suica Recharge
3︎⃣ All About Suica App
4︎⃣ Apple Pay Japan Credit Cards

Inbound Visitors and Apple Pay Credit Cards
Q. Can I use credit cards issued from other countries with Apple Pay in Japan?
A. This is changing but for now assume that only Japanese issue credit cards work with Apple Pay in Japan. Credit cards issued abroad do not support FeliCa NFC based QUICPay, iD and Suica payment networks.

However if your iPhone model supports Apple Pay in Japan simply add Suica to Apple Pay. Apple Pay Suica works for store purchases nationwide, for transit too and you add money with your Apple Pay credit card from home. Problem solved.


Using Apple Pay Japan Credit Cards

apple pay japan new
Apple Pay Japan payment network logos. The NFC Pay logo on the far left means the store accepts EMV Apple Pay credit cards from abroad. Be careful as the NFC Pay logo on a reader does not mean the store accepts NFC Pay. Ask the store clerk.

Apple Pay Support Pages
Set up Apple Pay
Using Apple Pay in Japan (if you’re in Japan section)

iOS 11 User Guide:

Use Apple Pay at stores in Japan. You must have a model that supports Apple Pay in Japan and either Suica card or credit card issued by a bank in Japan. Let the cashier know if you’re paying with Suica, iD, or QUICPay. Simply look for the logo on your card in Wallet. To use the Suica card that’s set as your Express Transit card, simply hold the top of your iPhone near the reader.

Apple Pay Credit Card Support Pages
iD 
QUICPay

Apple Pay Japan Credit Card List
The cards listed below support Apple Pay and can be used at stores displaying QUICPay and iD payment system logos. Suica, iD, and QUICPay are commonly found together. Japanese issue Visa cards do not support Suica Recharge in Wallet but can recharge via the Suica App.

Japanese issue Mastercard, American Express, and JCB cards are gradually adding NFC-Pay support allowing them to be used for Apple Pay outside of Japan.

(Card List Updated 3-16-2018)

Issuer Card Brand Payment Network Suica Recharge In-app & Web
FeliCa NFC Pay
smcc
SMBC
Visa id suica-apply
MC id MC contactless Wallet + App Apple_Pay
d-card
Docomo
Visa id suica-apply
MC id MC contactless Wallet + App Apple_Pay
Life
Life
Visa id suica-apply
MC id Wallet + App Apple_Pay
JCB id Wallet + App Apple_Pay
aeon
AEON
Visa id suica-apply
MC id Wallet + App Apple_Pay
JCB id Wallet + App Apple_Pay
cedyna
Cedyna
Visa id suica-apply
MC id MC contactless Wallet + App Apple_Pay
JCB id JCB NFC Wallet + App Apple_Pay
pocket
Pocket Card
Visa id suica-apply
MC id Wallet + App Apple_Pay
JCB id Wallet + App Apple_Pay
Softbank
SoftBank
Visa id suica-apply
JCBJCB JCB QUICPay JCB NFC Wallet + App Apple_Pay
AMEXAMEX AMEX QUICPay Amex NFC Wallet + App Apple_Pay
MUFG
MUFG
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
DC Card
DC Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay
Luxury
Luxury Card
MC QUICPay MC contactless Wallet + App Apple_Pay
APLUS
APLUS
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
VIEW
View Card
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
J-West Card
J-West Card
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
yahoo
Yahoo Japan
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
Rakuten
Rakuten
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
Orico
Orico
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
JACCS
JACCS
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay
JCB QUICPay JCB NFC Wallet + App Apple_Pay
Saison
Saison
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay
JCB QUICPay JCB NFC Wallet + App Apple_Pay
AMEX QUICPay Amex NFC Wallet + App Apple_Pay
UC
UC Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay
epos
EPOS
Visa QUICPay suica-apply
TS-3
TS Cubic
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay
JCB QUICPay JCB NFC Wallet + App Apple_Pay
seven
Seven Card
Visa QUICPay suica-apply
JCB QUICPay JCB NFC Wallet + App Apple_Pay
Recruit
Recruit Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay
ucs
UCS
Visa QUICPay suica-apply
MC QUICPay Wallet + App Apple_Pay
JCB QUICPay Wallet + App Apple_Pay
au
au Wallet
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App Apple_Pay

The complete card issuer Apple Pay Japan list is on the Apple Pay Support Page.

Q. VISA is not listed on the Apple Pay Japan page, do VISA cards work with Apple Pay?
A. VISA has not signed an agreement with Apple for Apple Pay in Japan but VISA cards issued from the list above work for store purchases with QUICPay and iD. VISA cards issued in Japan do not work for Apple Pay Suica Recharge, in-app purchases and web purchases.

Q. Can I use prepaid cards with Apple Pay Japan?
A. Apple Pay Japan supports au Wallet Prepaid and Docomo d Card Prepaid. Both cards also support Apple Pay Suica Recharge. JCB Prepaid cards are not supported.

Q. Can I use debit cards with Apple Pay Japan?
A. At present Japanese issue debit cards are not supported in Apple Pay.

Summary and Tips
If you work and live in Japan and plan to use Apple Pay regularly, rearrange your credit card collection to fit your needs:

  1. Apple Pay Suica Users
    If you are a daily Suica commuter, sign up for the Bic Camera JCB View Card and link it with a Bic Camera Point Card. Use View Card to recharge Apple Pay Suica in Wallet and receive bonus points. You will quickly rack up substantial Bic Camera Store points just with Apple Pay Suica Recharge.
  2. Outbound Apple Pay
    If you want to use a Japanese issue credit card for both Japan and overseas Apple Pay use, Docomo d Card Mastercard is a good choice for Docomo customers with a low annual fee. Mastercard credit cards from au Wallet, TS Cubic and JACCS are also good options.

Mastercard is the best overall choice for Japanese issue cards. Mastercard gives you the best foreign exchange rates when traveling abroad, and you can use the card for Apple Pay both in Japan and abroad. Be sure to check Mastercard contactless support (NFC Pay) in the list above.

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