travel money card in japan

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The 6 Best Travel Cards for Japan in 2024

If you’re traveling to Japan, a travel money card can make spending and withdrawing cash when you’re away cheaper and more convenient. Different types of travel money cards, including travel debit cards, prepaid travel cards and travel credit cards, are available to support different customer needs. The right one for you will depend on your personal preference and how you like to manage your money. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose. 

Wise – good value debit card for Japan

Before we get into details about different travel money card options, let’s start with the Wise card as a good all-round option that allows you to hold and spend Japanese yen, as well as a diverse range of other world currencies.

Wise accounts can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in USD and switch to JPY before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.43%. Plus you can get local account details for up to 10 currencies (including USD, but not including JPY) - to get paid easily to your Wise account . 

Here are some of the advantages and disadvantages of using the Wise travel money debit card , to help you decide if it's suitable for you.

Learn more: How to use Wise card in Japan

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals, just like your regular bank card can be. However, with a travel money card you’ll find the features and fees have been optimized for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for Japan compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for Japan line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

1. Travel Debit Cards for Japan

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for Japan. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

• No fee to open a Wise account , no minimum balance requirement
• 9 USD one time fee to get your Wise card
• 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
• Hold JPY and 40+ other currencies, convert between them with the mid-market rate
• Get local account details to receive USD and 9 other currencies

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from no-fee Standard plans to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including JPY, and convert currencies with the mid-market rate to your plan’s allowance. 

• No fee to open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
• Card delivery fees may apply depending on your account tier
• All accounts have some no-fee applied currency conversion with 0.5% fair usage fees after that
• Standard plan holders can withdraw 400 USD overseas per month without paying fees
• Hold JPY and around 25 other currencies

Pros and cons of using debit travel cards in Japan

How to choose the best travel debit card for japan.

The best travel debit card for Japan really depends on your personal preferences and how you like to manage your money. If you’ll be traveling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as CAD, like Wise . Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of no fee transactions and extra perks.

Is there a spending limit with a travel debit card in Japan?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for Japan

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

• Get a card for free by ordering online
• Top up in a range of ways in USD
• No foreign transaction fee when spending overseas
• ATM withdrawal fees of 2.5 USD or the equivalent when overseas
• American Express cards are not always accepted internationally - check coverage before you travel
• No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

• No annual card fee, although interest charges and late payment fees do apply
• No foreign transaction fees for spending overseas
• ATM withdrawal fees may apply including a 10 USD cash advance fee
• Earn cashback on spending and build credit as you do so
• Discover network is not always internationally supported - check your destination before you travel

Pros and cons of using prepaid travel cards in Japan

How to choose the best travel prepaid card for japan.

There’s no single best travel prepaid card for Japan - it’ll come down to your personal preference. If you’re looking specifically for a prepaid debit card you can use in Japan with no foreign transaction fee, try the Bluebird card option. However, if a credit card suits you, the Discover it Secured can be a strong pick thanks to the cash back options available.  

Is there a spending limit with a prepaid card in Japan?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

Related: How to buy Japanese Yen in the US

3. Travel Credit Cards for Japan

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

• No foreign transaction fee
• Earn travel rewards on spending 
• Get extras like lounge access and free travel insurance
• International spending uses the network exchange rate 
• Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

• Variable interest rates and a 95 USD annual fee
• Check your eligibility and order a card online easily
• Network exchange rates apply

Pros and cons of using credit cards in Japan

How to choose the best travel credit card for japan.

The best travel credit card for Japan will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, a travel rewards card like the Chase Sapphire Preferred could be a good bet as it has no foreign transaction fee and offers rewards on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

Which cards are accepted in Japan?

It’s important to know that you may find that different card networks are more popular in one country than they may be in another. For example, while Visa and Mastercard are pretty widely accepted globally, other popular US card networks, like American Express and Discover cards are less likely to be accepted in some countries and regions. In most cases it’s best to carry more than one means of payment when you travel - for example a credit card and a specialist travel money card which has been issued on a different network - so that you always have a plan B if your preferred payment method isn’t available.

If you're a frequent traveller, you can also check out our other travel money guides:

• Best travel cards for Italy
• Best travel cards for US
• Best travel cards for France
• Best travel cards for Japan
• Best travel cards for Brazil
• Best travel cards for Turkey

Conclusion: Which travel money card is best for Japan?

If you’ve planned travel to Japan you might want to pick a travel money card for JPY spending. Travel money cards have different features, and can be picked up via regular banks or online specialists. 

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card . Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to Wise Go to Revolut

FAQs - Best travel cards for Japan 2024

1. Which card is best to use in Japan?

There’s no single best card to use in Japan. Which is right for you will depend on your preferences and the features you want to access. Having a multi-currency account from a provider like Wise or Revolut can be a good bet as you’ll be able to hold and exchange JPY alongside dozens of other major currencies for convenience.

2. What is the best way to pay when traveling in Japan?

Spending with your card is convenient when traveling in Japan, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get Canadian dollars in advance so you have some cash on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in Japan?

You can usually make cash withdrawals with a credit card in Japan at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in JPY.

4. Can I use a US card in Japan?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in Japan, making these good options to look out for when you pick your travel debit card for Japan.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

The 5 best travel money cards for japan in 2024.

Japan is one of Australia’s favourite destinations and with all its culture, food and nature it's not hard to see why thousands of Australians visit each year.

While Japan relies heavily on cash, you are likely to pay for accommodation and restaurants with a card. So which is the best travel card to take with you?

It's easy, to save you lots of time, we have compared a large number of the best travel money cards in Australia to take to Japan for in 2024 and have summarised their best points.

Best 5 Travel Money Cards for Japan in 2024:

• Wise Travel Card for the best exchange rates 
• Revolut Travel Card for low fees
• Travelex Card - Best all rounder
• HSBC Global Everyday Debit Card for best debit card
• Bankwest Breeze Platinum Credit Card for lowest interest rate

Revolut Card Offer

Sign up and get a $15 top-up . For new customers only, T&Cs apply .

Wise Travel Card - Best Exchange Rates

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise Card charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is an excellent choice for those traveling to Japan, tailored to meet the unique needs of international visitors. A standout feature of the card is its offering of over 40 currencies at the interbank exchange rate, known for being the most economical rate globally. This is particularly beneficial for travelers to Japan, enabling them to convert their home currency into Japanese Yen (JPY) at highly competitive rates. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best Support

Best features.

• Unlimited free ATM withdrawals
• 24/7 Emergency Assistance
• Initial and replacement card are free
• Lock in up to 10 currencies

Multi Currency Travelex Travel Card Review

Travelex Money Card

• Minimum load of $100 and maximum load of $100,000
• Can be used wherever Mastercard is accepted
• Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
• While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
• Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
• If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
• Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Money Card is a good all-rounder no matter if you are heading to the bustling streets of Tokyo or experiencing the tranquility of Kyoto.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as the Wise or Revolut cards , the support network if the card is lost or stolen is very good. This attribute can be quite practical when immersing yourself in the rich culture of Japan.

HSBC Everyday Global Travel Card - Best Debit Card

• Great exchange rate offered for Japanese yen (JPY)
• No fees at ATMs in Japan to withdraw cash
• No initial card, closure, account keeping or monthly fees
• No cross currency conversion fees

HSBC Everyday Global Travel Card

• 10 Currencies can be loaded are JPY, USD, AUD, EUR, GBP, CAD, NZD, SGD, INR and CNY (currency restrictions on CNY)
• No maximum balance for any currency
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Travel Card is a good option to take to Japan and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees.

Its worth noting that to withdraw Japanese yen from an ATM you will need to go to a 7-11 or a post office as most other ATMs in Japan will not accept a card issued outside of Japan.

Finally there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout Japan.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in Japan.

Westpac Worldwide Wallet - Best Card from Big Banks

• No foreign transaction fees
• No fees on initial card, load, unload or inactivity fees
• Competitive exchange rates for Japanese yen (JPY)
• Free additional card
• Flight delay pass

Westpac Worldwide Wallet Global Card

• 11 Currencies can be loaded are JPY, AUD, USD, EUR, GBP, NZD, CAD, HKD, SGD, THB & ZAR
• Lock in exchange rates before you leave
• No cross currency transactions fees
• No ATM fee at 50,000 Global Alliance ATMs worldwide
• $2,000 maximum limit on ATM withdrawals overseas within 24 hours
• $50,000 maximum limit on currencies loaded on to travel card
• $3 roughly for ATMs that are not within the Non Westpac Global Alliance
• If you run out of one currency on the card, you can pay with other currencies without the expensive cross currency transaction fee
• No foreign transaction fees, initial card, load, unload or inactivity fees
• According to the Westpac it can take up to 8 business days to receive the travel card
• Secure from fraudulent transactions with Mastercard Zero Liability protection
• 2 cards per account for free

The Westpac Travel Card is a no frills handy travel card with very low fees, no foreign transaction fees, access to some free ATMs worldwide and competitive exchange rates, especially on JPY, USD, EUR, GBP and CAD.

In addition it has the South African Rand (ZAR) which is not common in visa prepaid travel cards . Finally it has access to a flight delay pass in case your flights are delayed and you need to access airport lounges.

Learn more about the best credit, debit and prepaid cards for travel

Travel Credit Card Australia

Best Prepaid Travel Cards

The best travel cards to use in Japan are the Wise Multi Currency card, which offers the best exchange rate for Japanese yen, a HSBC Global , Citibank Plus or Westpac Wallet card for ATM withdrawals and the BankWest Platinum Breeze cards for credit purchases. All of these cards do not charge an international transaction fee of 3%.

You should bring both card and cash to Japan . Japan relies heavily on cash and cards are needed to pay for big items like accommodation. We advise you to buy Japanese yen before you leave and take a prepaid card like Wise , a card to withdraw money from ATMs like HSBC or Citibank and a credit card as a back up like Bankwest Breeze Platinum .

Travel money cards for Japan should be free of charge. All the travel cards in the top 14 travel cards guide are free. On some prepaid travel cards you might have to pay for load, unload and inactivity fees, however if you choose a HSBC Global or Citibank Everyday card you will not have to pay these fees. You will also not have to pay an international transaction fee.

A travel money card is better than cash because it is more secure. With a travel money card you have to punch in your 4 digit code for transactions over $100. Therefore if you lose your card or if it is stolen, then you won't lose your money as you can cancel your card online.

Mastercard, Visa and JCB are the three most common cards accepted in Japan. This includes Mastercard debit, Mastercard credit, Visa debit and Visa credit cards. American Express and Diners cards are rarely accepted because the cost is too high for the merchant.

HSBC, Citibank and Westpac offer the best bank travel cards for Japan. They all have very good currency exchange rates, no international transaction fees, no initial card fee, no load, unload fee and no inactivity fees. They all offer access to other currencies including USD, EUR, GBP, NZD, HKD, SGD and CAD. HSBC offers 2% cash back, Citibank offers free bottles of wine and Westpac offers complimentary travel insurance.

Yes you can withdraw cash from a travel card in Japan. However, depending on the travel card you can pay an overseas ATM withdrawal fee and international transaction fees when using a debit card overseas . It is more expensive if your travel card is a credit card because you will also pay higher interest on cash advances. Save $15 on a $300 cash withdrawal and choose the correct debit travel card or prepaid card for travel.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

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S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

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The 6 Best Travel Money Cards for Japan

When visiting Japan, using a travel money card specifically designed for yen transactions can make spending and withdrawing yen cheaper and more convenient. There are various options available, such as travel debit cards, prepaid travel cards, and travel credit cards, each tailored to different customer requirements. The right one for you will depend on your personal preference and how you like to manage your money.

Keep reading to explore the different types of travel money cards, look at some great options to consider, and the sorts of fees you need to think about when you choose.

Wise - travel debit card for Japan

Before we get into details about different travel money card options, let’s start with the Wise card as a good all round option for a travel money debit card you can use to hold and spend JPY and a good selection of other currencies too.

Wise accounts can hold and exchange 50+ currencies , and you can get a linked Wise card for a one time delivery fee. Top up your account in pounds and switch to JPY before you travel, so you know your travel money budget in advance. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%.

Here are some of the pros and cons of the Wise travel money debit card , to help you decide if it’s right for you:

Hold and exchange 50+ currencies alongside JPY

No fee to spend any currency you hold , low conversion fees from 0.41%

Mid market rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

Similar to a regular bank card, a travel money card can be used for online and in-store payments, as well as cash withdrawals. However, with a travel money card you’ll find the features and fees have been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for Japan compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for Japan line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. Travel debit cards are typically a convenient and affordable option, whereas travel credit cards may offer attractive rewards such as cashback. However, using a travel credit card could potentially lead to interest charges and late payment fees, depending on how you choose to clear your bills.

One important consideration when heading to Japan is how much it’ll cost you to make cash withdrawals while you’re there. Japan is still a very cash dominated country, so while carrying a large sum of cash isn’t a smart idea for security reasons, having a card which has low or no ATM fees is.

Ultimately which card is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, UK customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

1. Travel debit cards

2. Travel prepaid cards

3. Travel credit cards

1. Travel Debit Cards

Specialist providers often offer travel debit cards that come with linked digital accounts to manage your currency balance. Although different cards may have their own features, they are typically easy to top up online or through a mobile app, with the added convenience of receiving transaction notifications and tracking your balance via your phone. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is our best value travel money debit card for Japan. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.41% when you convert currencies, and transparent transaction fees when you exhaust the monthly free transactions available with your account.

No fee to open a Wise account , no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold JPY and 50+ other currencies, convert between them with the mid-market rate

Get local account details to receive 10 currencies including GBP for free

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from free Standard plans to the 12.99 GBP/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including JPY, and convert currencies with the mid-market rate to your plan’s allowance.

No fee to open a Standard Revolut account, or upgrade for up to 12.99 GBP/month

Card delivery fees may apply depending on your account tier

All accounts have some fee free currency conversion with 0.5% fair usage fees after that

Standard plan holders can withdraw 200 GBP (up to 5 withdrawals in total) per month for free

Hold JPY and around 25 other currencies

Pros and cons of using debit travel cards in Japan

No interest costs or late payment fees

Hold and convert currencies in advance or at the time of spending

Accounts can be topped up, viewed and managed digitally

Safe to use, as accounts aren’t linked to your main UK bank account

Travel debit cards are issued on popular global payment networks

Transaction and currency conversion fees may apply

Cash back and rewards may not be available

Click here to read a full Revolut review

How to choose the best travel debit card for Japan?

The best travel debit card for Japan really depends on your personal preferences and how you like to manage your money. If you’ll be travelling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as JPY, like Wise. Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of fee free transactions and extra perks.

Is there a spending limit with a travel debit card in Japan?  

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transaction. Daily limits may apply to the number of ATM withdrawals or the amount of contactless payments you can make, among other things. These limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards

With a prepaid travel card you’ll need to order a card and add funds in the supported currency of your choice. Once you have a balance you may then be able to switch to the currency you need, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards support all currencies, so you may find you pay a foreign transaction fee if you pick a card which doesn’t support all the currencies you use.

Prepaid travel card option 1: Post Office

You can pick up a Post Office prepaid travel money card in a Post Office branch or order one online. You’ll then be able to top up in pounds or one of the 22 supported currencies, which includes JPY. If you hold JPY in your account there’s no fee to spend when you’re in Japan, but if you don’t have a JPY balance - or if your JPY balance isn’t high enough for the transaction, you’ll pay a 3% foreign transaction fee.

Hold and exchange 22 currencies including JPY

No fee to spend a balance in a supported currency

3% foreign transaction fee when spending a currency you don’t hold on the card

Variable ATM withdrawal fees - 200 JPY for use in Japan

No interest to pay

Click here to read a full Post Office review

Prepaid travel card option 2: Monese

Monese accounts can be opened by UK residents to hold GBP, EUR and RON. There are several different types of accounts, from the Simple account which has no monthly fees, to fee paying account tiers which have more features. It’s free to spend a balance you hold - but as JPY isn’t a supported currency, you may find you pay a foreign transaction fee of 2% when you’re spending in Japan. Foreign transaction fees may be waived for higher tier account holders.

Hold a balance in GBP, EUR or RON

Choose a free Simple account, or upgrade to an account with monthly fees

Foreign transaction fees of 2% may apply depending on your account tier

ATM withdrawal fees may apply, depending on the value of withdrawals and the account tier you hold

Track and spend Avios reward points within your account

Pros and cons of using prepaid travel cards in Japan

Manage your account online or with an app, to add more money or convert funds

No monthly fees for some account options

Multiple supported currencies, with no fees for spending a currency you hold

Global ATM withdrawals offered

Some accounts have extras like options to earn reward points

Typically not a huge range of currencies supported

Transaction fees apply to most accounts

How to choose the best travel prepaid card for Japan?

There’s no single best travel prepaid card for Japan - it’ll come down to your personal preference. If you hold a Monese Classic or Premium account already it’s good to know that the 2% foreign transaction fee is waived, which means you get the card network rate when you spend in Japan. This may be cheaper than using your regular bank card. The Post Office card can also be a strong pick as you can hold a JPY balance, which you can spend for free, plus you can get a card instantly by walking into a Post Office branch.

Is there a spending limit with a prepaid card in Japan?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards

Travel credit cards come with added international features such as low or no foreign transaction fees and rewards for international spending. Although they are safe and convenient, they can be more expensive compared to using a debit card. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Barclaycard Rewards Visa

The Barclaycard Rewards Visa card has no foreign transaction fees and no international ATM fees. Instead, your overseas spending is simply converted to pounds using the Visa exchange rate, before being added to your monthly bill. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn cashback on your day to day spending.

No foreign transaction or foreign ATM fee

Earn cashback at 0.25% on spending

Protection on purchases over 100 GBP

International spending uses the Visa exchange rate

Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which you can see when you check your eligibility for the card. There’s no foreign transaction or foreign ATM fee to pay, and all currency conversion uses the Mastercard exchange rate.

Variable interest rates

Check your eligibility and order a card online easily

No foreign transaction fee

No ATM fee - but interest will accrue instantly when you make a withdrawal

Mastercard exchange rates apply

Pros and cons of using credit cards in Japan

Spending from 100 GBP has extra consumer protection

Spread the cost of your travel over several months

Check eligibility for a card online with no impact on your credit score

You may pay no foreign transaction fee and no ATM fee

Network exchange rates usually apply, which are usually pretty fair

Interest charged if you don’t repay in full every month

Eligibility rules apply

How to choose the best travel credit card for Japan?

The best travel credit card for Japan will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, the Barclaycard Rewards Visa might be a good pick, as it has no foreign transaction fee and offers cashback on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

If you’re off on a trip to Japan you might want to get yourself a travel money card for convenient spending in JPY. Travel money cards have different features, and can be picked up via regular banks, online specialists and even the Post Office.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise account. Or you might prefer a prepaid travel money card like the Monese card which can be linked to either a fee free account or an account which has monthly fees in exchange for lower transaction charges. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees.

You'll be pleased to know that there are plenty of options available in the UK for travel money cards. Use this guide as a starting point to research and find the best option that fits your specific needs.

FAQ - Best travel cards for Japan

You can usually make cash withdrawals with a credit card in Japan at any ATM that supports your card network. Occasionally ATMs in Japan can’t accept foreign issued credit cards, although this is becoming less common over time. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in JPY.

You can use your debit card anywhere you see the card network’s logo displayed. However, it’s worth being aware that card acceptance in Japan isn’t as high as in the UK, so you’ll also need to carry cash just in case. Visa and Mastercard networks are very well supported globally, including in Japan, making these good options to look out for when you pick your travel debit card for Japan.

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

Japanese Yen card

Travelling from the UK to Japan? Spend effortlessly (JPY) with a multi-currency card.

40+ million worldwide customers use Revolut

Revolut offers so much more than a travel card. Exchange currencies, send money abroad, and hold 36 local currencies in-app. These are just some reasons why our customers rely on us for their travel spending.

How does a Japanese Yen card work?

How to get your JPY card

Get your Japanese Yen card in 3 steps

Get revolut.

Join 40+ million people worldwide saving when they spend abroad with Revolut.

Order your card

Order your free Japanese Yen card. Top up your balance in GBP or 36 other currencies.

Spend like a local

Start spending .

Currency exchange fees subject to fair-usage limits and weekend markups. Currency exchange shown is only an indicative example.

Why should I get a Japanese Yen card?

Where is the Japanese Yen card available?

Spend confidently with a Japanese Yen card

How to save money when spending

Tips for saving money in Japan

Don't exchange at airports or at home.

No need to exchange cash before you travel — use your travel money card to spend or withdraw money from an ATM.

Choose JPY as the local currency

Choose the local currency when spending with your card in shops and restaurants.

Save with a travel money card

Spend in Japanese Yen like a local with Revolut.

How to avoid unwanted ATM fees

Need to make JPY withdrawals in Japan?

Fee-free Japanese Yen ATM withdrawals

Fee-free atm withdrawals up to £200, fee-free atm withdrawals up to £400, fee-free atm withdrawals up to £800.

ATM withdrawals are subject to fair-usage fees depending on plan. Currency exchange fees may apply.

What are you waiting for?

Save when you travel with a JPY travel card

Rating as of 23 Apr 2024

702K Reviews

2.8M Reviews

Need a little more help?

Japanese Yen currency card FAQs

Is it better to use a travel money card rather than cash in japan.

There is no 'best' way to spend , but here are some tips to help you save money:

• Don’t exchange cash at the airport. It’s much cheaper to withdraw money from an ATM with your Japanese Yen card.
• Don't carry more cash than you need. When you return home to the UK, you’ll have to re-convert this cash back to GBP.
• Always choose JPY as the local currency when spending with your card in shops and restaurants.
• Download the Revolut app, then sign up to get instant notifications on what you spend and manage your balance.

Are travel money cards safe and secure?

Where can i use my jpy travel money card, how much can i pay using my japanese yen card.

There is no limit to the amount that you can spend using your Japanese Yen card. Just top up in-app with however much you want and enjoy your travels.

How can I avoid unwanted ATM fees in Japan?

There are tonnes of benefits to a Japanese Yen card. Let’s look at a few:

• Send and spend and 150+ other currencies.
• No need to exchange or carry cash. Pay with your Japanese Yen card, either contactless or with chip and PIN.
• No need to wait for your physical card to arrive. Instantly add your card to Google Pay or Apple Pay.
• Create single-use virtual cards for safe online shopping or travel bookings.
• Enjoy fee-free ATM withdrawals between £200 and £2,000 monthly, depending on your plan.
• Get instant payment notifications to keep track of how much you spend.
• Stay in control of your card’s security, with card freezing and spending limit controls.
• Easily manage your spending around the world with the free Revolut app.

How do I get a Japanese Yen travel money card?

To order your Revolut debit card and start spending , simply:

• Download the Revolut app on your Android or iPhone and sign up for free.
• Order your free Japanese Yen card. Top up your balance in GBP or 150+ other currencies.
• Get your card in the post or add it to Google Pay or Apple Pay to use it immediately.
• Start spending like a local .

Spend over $4,000 on Travelex Money Card and enter code TMC120 at the checkout to get $120 OFF - T&C apply

A Travel Card for Japan

Experience stress-free travels in Japan with Travelex’s award-winning Travel Money Card. Use the card everywhere throughout Japan where Mastercard is accepted.

The Travelex Travel Money Card can also be used to withdraw JPY cash from thousands of ATMs in Japan wihout paying any international ATM fees 1 .

Easily top-up on the go via the App or online .

Travel Money Card for Japan

The Travelex Money Card allows you to buy, store, and move money in multiple currencies so that you can safely make purchases during your travels overseas. There’s usually no need to pay international ATM fees, an initial card fee, or a cash advance fee when withdrawing cash with the Travelex Travel Money Card.

Gone are the days of the cash society and exchanging currency in advance; the Travelex Travel Money Card makes storing and transferring money to make purchases in foreign currencies quick and easy. With Travelex Travel Money Card, you can also check currencies in real-time and enjoy a prevailing exchange rate when purchasing currencies.

More on Japan from our Travelex Hub Blog

Features and benefits.

UNLIMITED FREE overseas ATM withdrawals 1

Highly competitive exchange rates

NO fees when you buy online $0 Currency conversion fee ^

24/7 Global Assistance

Convenient Mobile App Download it here

Shop at millions of outlets wherever Mastercard is accepted and on international websites with the local currency

Buy online, collect in-store or get it delivered to your home (allow up to 7 days from when payment is received)

5 ☆ outstanding value award winning travel money card

Exclusive offers with Mastercard Priceless TM Cities

No account or membership required

How our Travel Card Works

Order your travel card.

Order your Travelex Money Card online or in-store (passport or driver's license required)

Get your travel card

Collect from a Travelex store or delivered FREE to your home (allow up to 7 days from when payment is received)

Download the App

Download the app from the Google Play and Apple App stores

Register for My Account

Simply activate your card by registering your account via the app or online

Manage and check your balance online and on your mobile

Exchange leftover currency

After your trip, exchange leftover money for another currency, transfer into your bank account or withdraw in-store or at an ATM.

Download the Travelex Travel Money App

Convenience on the go

• Top up your Travelex Money Card
• Check your balance
• Quick touch log in

The app requires Android 5.0 and up or iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.

Fees and Limits

NO fees online $0 Currency conversion fee ^

Withdraw daily up to AU$3,000 (or currency equivalent)

Maximum Card limit of AU$50,000

Free initial and replacement card

The following fees and limits apply. Fees and limits are subject to variation in accordance with the Terms and Conditions. Unless otherwise specified, all fees will be debited in AU$ Currency

If there are insufficient funds in AU$ Currency to pay such fees, then we will automatically deduct funds from other Currencies in the following order of priority: AU$, US$, EU€, GB£, NZ$, THB, CA$, HK$, JP¥, SG$.

• Online: FREE via travelex.com.au or the Travelex Money App • In-Store: FREE for loads of foreign currency (loads of Australian dollars (AUD) incur a fee of 1.1% of the amount or $15 whichever is greater).

• Online: FREE via travelex.com.au or the Travelex Money App • In-Store: FREE for top-ups of foreign currency (top-ups of AUD incur a fee of 1.1% of the amount or $15 whichever is greater). • BPAY: Top-ups not made via travelex.com.au or the Travelex Money App incur a fee of 1% of the amount. - MasterCard Biller Code: 184416 - Reference No: your 16 digit Travelex Money Card number - Funds will be allocated to your default currency. To check your default currency login to your account.

FREE (note: Some ATM operators may charge their own fees or set their own limits)

• Charged at the start of each month if you have not made any transactions on the card in the previous 12 months
• Unless your card is used again, or reloaded, this fee applies each month until the card is closed or the remaining card balance is less than the inactivity fee.

AU$4.00 per month

• Charged when you close your card or withdraw from your Card Fund. This fee is set and charged by Mastercard Prepaid.
• This is applied when you move your funds from one currency to another currency.

At the then applicable retail foreign exchange rate determined by us. We will notify you of the rate that will apply at the time you allocate your funds from one currency to another.

• Applied when a purchase or ATM withdrawal is conducted in a currency either not loaded or sufficient to complete the transaction and the cost is allocated against the currency/ies used to fund the transaction.

FREE* *The Spend Rate will apply to foreign exchange transactions in accordance with the Terms and Conditions.

AU$350 or currency equivalent AU$100 or currency equivalent

AU$50 or currency equivalent

The maximum amount you can load on the card at the time of the initial online purchase is AU$5,000 equivalent.

to a maximum of $10,050 per single top-up; and to a maximum of $10,050 top-up value over 24hrs; and to a maximum of $20,000 top-up value over 21 days.

AU$3,000 or currency equivalent

AU$15,000 or currency equivalent

Other Important Information

Please read the following information about your Travelex Money Card carefully:

• Your Travelex Money Card does not generate any interest or any other similar return. You do not earn interest on the amount standing to the credit of the Travelex Money Card Fund accessed by the card.
• Although the issuer of the card is an authorised deposit-taking institution in Australia, the Card is not a deposit account with the Issuer.

Important Information about Fees & Limits for loads/top ups made online:

• If you are making a purchase or topping up the Card online via www.travelex.com.au (i) the initial load and top up fee may differ to (but not be greater than) those contained in the “Fees and Limits Table” of this Product Disclosure Statement; and (ii) the limits may differ to those contained in the “Fees and Limits Table” of this Product Disclosure Statement. Travelex may also charge a card surcharge if you pay with a credit or debit card. Please refer to the relevant online terms and conditions available at www.travelex.com.au for details of the applicable fees and limits.
• AU$ cannot be loaded or topped up onto a card online via www.travelex.com.au

Terms & Conditions

Travelex travel card currency information, travel card faq links.

Getting Started

Using the Card

Topping up the Card

Travelex Money Card FAQ

You can only hold one card in your name at any one time.

An Additional Emergency card is a replacement card as a back-up only which you must only use if your primary card is damaged, lost, misused or stolen. An Additional Emergency card can only be purchased at the time of purchasing the Travelex Money Card. It cannot be added to your account at a later date.

Top-up via the Travelex website

Note that you must use your unique reference number when paying or the transfer may be delayed.

Top-up via the Travelex Money App

Move currencies on your card, instantly.

If you have AUD (or any other currency) already loaded on the card, you can move your funds to another currency within the Travelex Money App. Instant top-up!

Top-up in a Travelex store

Direct top-up via bpay:.

Top-ups not made via travelex.com.au or the Travelex Money App incur a fee of 1% of the amount. You must make payment using your own account.

MasterCard Biller Code: 184416 Reference No: your 16 digit Travelex Money Card number

Funds will be allocated to your default currency. To check your default currency login to your account. Top ups will generally take two business days to be processed however may take longer if the payment is not made before 2pm on a business day Australian Eastern Standard Time.

• Locking in fixed foreign currency exchange rates and avoiding foreign transaction fees before you travel
• The ability to load multiple currencies onto one card, similar to a travel debit card
• The ability to spend money conveniently and comfortably overseas
• No overseas ATM withdrawal fees
• No fees when making online purchases
• Travel money cards can be ordered online and collected in store next day.
• Just walk in store. Cards purchased and loaded in-store are active and ready-to-use on the spot. We will automatically transfer funds between currencies complete your card transactions.
• Home delivery within 5-7 business days.

Most common questions

An Additional Emergency card is a replacement card as back-up only which you must only use if your primary card is damaged, lost, misused or stolen. An Additional Emergency card can only be purchased at the time of purchasing the Travelex Money Card. It cannot be added to your account at a later date.

If you’re visiting Japan, a travel money card can be a convenient and affordable way to access your money. The best travel money card for Japan should help you save money with favourable exchange rates and no hidden fees. For example, a Travelex Money Card has unlimited free overseas ATM withdrawals, so you can make purchases in Japanese yen for less.

Yes, travel money cards come with a host of advantages that can save you money when travelling. These include the ability to load multiple currencies at a fixed and competitive exchange rate, and the capability to make purchases in-store, online, and at ATMs worldwide with no overseas ATM or withdrawal fees.

The best travel money card for Australians is the one that caters to the currencies available at your destination, removes ATM withdrawal and foreign purchase fees, and has the best exchange rate.

A travel money card is a global currency card that allows you to load several foreign currencies into a personal account at a prevailing exchange rate . Like debit and credit cards, a travel money card can be used to make purchases in stores, online, and to withdraw cash at ATMs while travelling. You can buy currencies and add or reload them into your travel money card account via a mobile app whilst abroad.

One of the best ways to use the Travelex Money Card is with the Travelex Money App. The Travelex Money App makes ordering, transferring, and checking currencies quick and simple on your travel card. You can also use the Travelex travel exchange rate tracker to check currencies in real time.

You can order a travel money card online or purchase one directly from a Travelex store. Find a store near you.

Some of the benefits of a travel card include:

Money travel cards can be ordered online and topped up via a convenient mobile app.

The Travelex Money Card is a Mastercard travel card, meaning it is free to make international withdrawals at ATMs displaying the Mastercard acceptance mark. It is also free to obtain cash over the counter and to make online purchases with a travel money card. However, some ATM operators may charge their own withdrawal ATM fees. Be sure to check with the ATM in question prior to making cash withdrawals.

Similar to any bank account, you can withdraw money from your travel money card at ATMs worldwide. When withdrawing cash, select the “credit” option on the ATM machine screen to access funds. You will not be charged credit card fees by selecting this option. If the “credit” option does not work, try selecting “debit” or “savings”. The maximum withdrawal amount is 3,000 Australian dollars each 24 hour period. Bear in mind that some ATMs may also have their own ATM fee, adding a cost to your withdrawal.

The Travelex Money Card is a prepaid travel card and has been awarded the best prepaid travel card by Mozo two years in a row.

The Travelex Money Card is a multi currency card that can be used in most countries around the world. Widely considered the best travel money card for overseas travel, the Travelex Money Card can be used in the US, Europe, Japan, Canada, Hong Kong, Singapore, Japan, New Zealand, and many more countries.

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Travelex Money Card in conjunction with the issuer, EML Payment Solutions Limited (‘EML’)(ABN 30 131 436 532, AFSL 404131). You should consider the Product Disclosure Statement for the relevant Travelex Money Card and Target Market Determination available at www.travelex.com.au , before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

* Transacting via some online merchants may incur a surcharge.

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3 Best Travel Cards to Use in Japan

Wise is our pick for travel debit card for japan.

With this card:

• Convert Aussie dollars to Japanese Yen at the mid-market exchange rate
• It's very easy to set up and order
• You can receive foreign currency into a multi-currency account linked to the card
• You can transfer money to a bank account overseas

It's not all good news though

• There is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• It takes 7-14 days for delivery

Click here to see the full list of cards and how Wise compares

Read the full review

What are different types of travel cards?

Travel cards can be a handy travel companion when you're overseas, but it can be hard finding the right one for you.

On top of this, when you're travelling to Japan it's important to have cash with you as well. This is because it's still a very cash based society.

Despite this, if you're interested in finding the best travel cards for Japan, we've listed your main options below.

They can be either prepaid, debit or credit cards designed specially for overseas use. You can use travel cards to make purchases online, in stores and to withdraw money at ATMs. There are 3 popular types:

Prepaid Travel Cards

Travel debit cards, travel credit cards.

Let's have a look at each one.

Debit Cards offer the convenience of a credit card, but work differently. They draw money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make you stick to your travel budget, because you can't overdraw money from your account. And for daily purchases, we think a debit card can help you stick to your travel budget, because you can't overdraw money from your account.

Generally, we recommend having the combination of a travel debit and travel credit card for safety, flexibility and convenience on your trip.

Wise - travel debit card for Japan

• No annual fee, hidden transaction fees, exchange rate markups
• No minimum balance requirements
• Allows you to make payments and withdrawals wherever you are in the world in over 40 currencies
• Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR) and New Zealand (NZD)
• It takes 7-14 business days to receive the card
• Can't always access local technical support depending on where you are
• Free cash withdrawals limited to under $350 every 30 days
• Only currently available in the US, UK, Europe, Australia and New Zealand

For prepaid cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful. They can have numerous fees and charges, which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option.

Revolut - prepaid travel card for Japan

• No purchase fee, load fee, reload fee, exchange rate margin or minimum balance requirements
• Unlike other Travel Cards, its free and easy to use the balance of your currency or convert it back to AUD
• Mid-market exchange rate, they add a mark-up for currency conversion during weekends
• For the free Standard account, there is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• The premium account costs $10.99 a month, which can really add up if you are not using it often

Click here to see the full list of cards and how Revolut compares

• Very easy to use app
• Free to set up
• No hidden fees or exchange rate mark-ups (except on weekends)
• You can use it to transfer money to a bank account overseas
• Additional fees for using the card on a weekend
• 2% ATM fee once you withdraw more than $350 in any 30 day period
• 3-4 business days before you receive your card
• Ongoing subscription fee for Premium and Metal cards

Credit cards have obviously been around for a long time. But now there are specialised travel credit cards. Generally, these cards give you longer to pay back what you've spent but the interest rates after this time can be quite high.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. But it only works if you pay off the balance in full each month.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

28 Degrees - travel credit card for Europe

• There are no annual fees
• No overseas purchase fee or currency conversion fee
• You get 55 days interest free on purchases
• Access to free 24/7 concierge service
• Emergency card replacement worldwide

The 28 Degrees Platinum Mastercard has additional benefits including shoppers and repayments benefits cover.

• Can have 9 additional cardholders
• No overseas purchase fee, or currency conversion fee
• No foreign transaction fee
• Free Replacement Card
• High interest rates after the initial 55 days
• Minimum credit limit is $6,000
• No introductory offers or rewards

Need to know more about travelling to Japan?

Passports, Visas and Vaccinations

How Much Things Cost in Japan

Currency in Japan

Banks, ATMs & Currency Exchange

The Best Cards to Use in Japan

7 Common Travel Money Traps to Avoid in Japan

• United States
• United Kingdom

Travel Money Guide: Japan

Credit, debit or cash avoid unnecessary fees and find the best way to use your money in japan..

In this guide

Compare your travel money options for Japan

What is the best travel money card to take to japan, how the different travel money products work in japan, japanese yen: exchange rate history, a guide to the japanese yen, how much ¥en do i need to bring.

Travel Money Cards

Compare your travel money options, read our guide on Japanese yen and figure out how much you'll need to budget for those ramen lunches and karaoke nights.

Our top tip? Most ATMs in Japan don't accept international cards so you'll need to keep an eye out for ATMs inside Japanese Post Bank and Seven Bank.

Cash is still king in Japan, especially due to the difficulty of ATM access for visitors form overseas. You've also got the choice of prepaid travel cards and debit or credit cards for larger purchases.

• Prepaid Travel Money Cards
• Travel Credit Cards
• Travel Debit Cards

Best is a subjective term — it means something different for everyone. At the very least, a travel product should have one of these features:

• No currency conversion fee
• Either no international or local ATM operator fee
• Travel extras: insurance, airport lounges, worldwide concierge service, etc

Next, you need to have an idea about how you plan on transacting in Japan. While Japan is very much a cash society, there are times when you'll need to use your card. Hotel and travel bookings as well as big ticket items should be purchased on your credit card if possible to make the most of your card's interest-free days feature.

But, if you plan on indulging in Japanese culture — think tea ceremonies, guided tours in Sakura season, entry the Emperor's Palace and small cafeterias and eateries — you'll need cash. The cost of withdrawing from an ATM should be a factor in your comparison of travel money products.

A product which doesn't charge for currency conversion or to use the ATM is ideal. Some ATMs in Japan (mainly in 7/11 stores and post offices) don't charge a local ATM operator fee. Pick the right product and it could be cheaper to withdraw your money in Japan than it is at home.

A quick summary of travel money options for Japan

Japan is a cash society; however, credit and debit cards are accepted in most places in Japanese cities. Establishments such local restaurants, markets and rural inns (ryokans) are cash only. In the places where you can use your card, you may have issues if you're using a travel card at the point of sale. Some merchants may reject this card because it doesn't have your name on the front.

Using a prepaid travel card

A travel card like Wise lets you load Australian Dollars and convert the funds to Yen (along with a number of other currencies). The main advantage to these cards are they allow you to spend without paying extra for currency conversion. Other benefits for travellers include:

• A dual card account. You get a backup in case your first card is lost or stolen.
• Security. Travel cards are CHIP and PIN protected.
• Prepaid accounts. Stick to your budget and top up your travel card when you need more money.

These products require a little more management than debit and credit cards, as you're responsible for ensuring you top up the card before you run out of money. Remember it can take up to 3 business days for funds clear, and even longer if there's a public holiday or weekend in Australia.

• Travel card considerations

Travel cards do have benefits from international travellers; however, all that glitters is not gold. Be wary of travel card fees (initial load, reload fees and ATM fees), and if you're a rate hunter, you may want to compare the exchange rate on offer from your travel card issuer. Travel card foreign exchange rates are different to the rate your bank gives you when you send money online or when you buy foreign cash.

Using a credit card

All credit cards allow you to spend in a foreign currency. Some cards are cheaper to use than others. You can compare credit cards which do not charge a fee for currency conversion in the above table. This is an additional charge of roughly 3% when you use your card outside of Australia.

• International ATM fees. The majority of credit card issuers on the market will charge a fee to use an international ATM. Some credit card issuers, such as Bankwest, waive the international ATM fee.
• Cash advance fees. Withdrawing cash on credit is one of the most expensive ways to get money. Cash advance fees and interest charges apply to this type of transaction, and you're not eligible for interest free days either. Some issuers waive the cash advance fee and rate of interest if you've preloaded a credit card with your own money. The rules are different for each credit card issuer; you can see which issuers let you do this in the FAQs section of our travel money page .

Using an Australian debit card

The majority of debit card issuers will charge you a fee when you make a purchase in a foreign currency. However, in the table above you can compare available transaction accounts that waive this fee when you meet certain requirements.

It's important to know that most ATMs in Japan do not accept international cards. Look for ATMs inside Japanese Post Bank and Seven Bank. Citibank have a presence in major cities and airports. Visa and Mastercard have ATM location tools on their website you can find the closest ATM. The post offices opening hours will vary with size. Some open from 7:00 to 23:00, others 8:00 to 20:00 and others from 9:00 to 16:00.

Taking a traveller's cheques to Japan

Although traveller's cheques are becoming an antiquated form of travel money, they are still used by people who are looking to take money to Japan. The safest way to carry your bulk of money to Japan is to use a traveller's cheque. The traveller's cheques widely accepted in Japan are Visa, American Express and Thomas Cook.

To buy American Express traveller's cheques in Australia, visit participating banks, selected Australia Post outlets, credit unions, American Express travel services and American Express foreign exchange offices. Fees charged to purchase traveller's cheques vary from one establishment to another. Some establishments will charge a nominal fee while others will offer traveller's cheques free of a charge as a service to customers.

After taking your traveller's cheques to Japan, you can redeem them at banks announcing 'authorised foreign exchange bank' outside the front door. You can also redeem your cheques at Japan's main post offices. In Japan, the traveller's cheques attract a relatively better exchange rate than bank notes. To get the best rates, redeem your cheques in banks and post offices. Redeeming the cheque at stores or hotels will attract fees and commissions.

*Exchange rates are accurate as of 1 January on each year listed above.

Today's exchange rate AUD to JPY

• 1,000 Yen note. This note has been in use since 1945 and it is currently the lowest value Yen banknote. The front side of the note bears the image of the legendary regent and politician under Empress Suiko, Prince Shōtoku. The reverse side bears a drawing of Mt. Fuji and cherry blossoms.
• 2,000 Yen note. This banknote was issued in July 19, 2000. The front side of the note bears a serial number and portrays Shureimon, a 16th-century gate at Shuri Castle in Naha, in Okinawa Prefecture, Japan. The reverse side portrays a scene from "The Tale of Genji'" and a portrait of Murasaki Shikibu, the noblewoman to whom this work of literature has been attributed.
• 5,000 Yen note. The front side of the 5,000 note has a portrait of Ichiyo Higuchi, a Meiji era writer and poet. The reverse side depicts "Kakitsubata Flowers", from a folding screen by Korin Ogata.
• 10,000 Yen note. The front side of this note has a portrait of Yukichi Fukuzawa, a Meiji era philosopher and founder of Keio University. The reverse side has a drawing of the hoo (Chinese phoenix) in the Hall of the Phoenix, Byodoin temple.

*Prices are approximate and are subject to change.

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Jacob Joseph

Jacob Joseph was a writer and video journalist for Finder.

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18 Responses

I have Australian citibank card. I realised that there are no citibank in japan anymore. When I withdraw cash from Smbc ATM, do I get charged?(withdrawal and conversion) Thanks

Thanks for your question.

The exact fees you’ll be charged will depend on the specific card you’re using. However, Citibank credit cards generally charge a currency conversion fee of 3.4% of transaction amount. If you’re using the credit card for ATM withdrawal fees, you’ll be charged a $5 cash advance fee and will accrue cash advance interest rates immediately. Local ATM fees may also apply.

For any more questions on what you’ll be charged for the specific card you’re using, you might want to contact Citibank on 13 24 84.

We are considering either the NAB or Travelex pre-paid travel money cards. My concern is around the delay in loading extra funds – 2-3 business days. Is there a way to avoid this delay in funds transfer?

Unfortunately, the only way you can avoid the funds transfer delay is loading funds on the card in-branch or in-store. This means that you can’t really avoid the funds transfer delay when you’re in Japan. Instead, you’ll just need to be wary of how much you’re spending and make sure you load funds on your card well before you run out of money on your card.

Since Citibank Japan is now SMBC Trust Bank, will I get ATM charge if I use my Citibank Plus debt card to withdraw money from a SMBC Trust Bank ATM machine?

Yes, you should still be able to withdraw funds from SMBC Trust Bank ATMs with your Citibank card in Japan.

I hope this has helped.

Another site suggests that cards with chips are not accepted at post office ATMs in Japan and that few other ATMs accept foreign issued cards to withdraw cash, especially outside major cities. Most cards now have chips of course. Is that advice accurate? If so it sounds much more difficult to get money out than you suggest. Do you think it would be sensible to take traveller’s cheques just in case?

From our experience, Australian chip-protected prepaid travel cards are generally accepted in most 7/11 convenient stores and post offices in Japan. However, you may have some difficulty withdrawing cash from ATMs in some smaller towns in Japan.

To prepare for such situations, we would recommend that you organise more than one source of funds at all times during your trip. For example, if you have a prepaid travel money card, you may also want to carry cash and a credit card to ensure that you’re prepared for any potential drawbacks.

Do they require a pin or signature on purchases made with the Credit Card in Japan?

Swipe and sign is generally accepted in Japan, though some retailers still accept chip and PIN.

Cheers, Shirley

Yes, a signature or PIN will be required to make credit card purchases in Japan.

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Money in Japan

The yen, ATMs, exchanging currencies, and etiquette

When traveling in Japan, visitors will need to use the Japanese currency. In our money guide, we outline the basics of using Japanese yen (¥, JPY), including denominations, exchange rates, and payment methods.

Japanese Yen

The official Japanese currency is the Japanese yen, represented by the currency code JPY and the currency symbol, ¥.

Locally in Japan, yen is pronounced “ en ” in Japanese and often accompanied by its kanji, 円, in everyday use.

The Japanese yen is available in 10 denominations, including six coins and four banknotes that you can read about in-depth in the denomination section.

As of 2024, the number of ways to pay in Japan has proliferated—though cash is arguably still king.

Despite the widening use of credit- and debit cards, Japan is still predominantly considered a cash-based society which especially holds true in rural areas or when visiting small, independent businesses.

It’s always a good idea to have small denominations (10 yen and 100 yen coins, as well as 1,000 yen notes) handy, as many ticket and vending machines will not accept larger denominations (especially 5,000 and 10,000 yen bills).

Having so much cash in your wallet may make you feel uneasy at first, but Japan does have one of the lowest crime rates in the world. While nothing beats being careful, chances are you’re more likely to lose money by dropping or leaving it, rather than it getting stolen.

• If you are holding too many coins, note that a lot of supermarkets or convenience stores (7-eleven, Family Mart, Lawson etc) have payment kiosks that let you use denominations down to 1 yen allowing you to quickly deposit them.

Credit/Debit Cards

Credit and debit cards are increasingly accepted across Japan, but always try to check in advance whether a place solely accepts credit cards (also often indicated near the shopfront for any business), as well as abide by these tips:

Even if you decide to mainly use a credit card, it is still recommended to carry or have access to sufficient cash.

Most credit card companies will charge a surcharge (usually 1–3%) for foreign-issued cards. A Wise card lets you avoid foreign transaction fees and convert at the real exchange rate, even when using local ATMs.

The most commonly accepted cards are MasterCard, Visa, and JCB, followed by American Express and Diner’s Club.

• Credit card readers typically support one of swipe, insert or tap/contactless (referred to as "touch" in Japan). In some cases, you may still asked to sign for payments but it is rare for the vendor to check the authenticity of this (often they'll have already returned the card).

Transit IC cards, such as Suica and PASMO , are commonplace in Japan's major cities. The 10 main IC operators across Japan also include Icoca, Pitapa, Toica, Manaca, Kitaca, Suogca, Nimoca and Hayakaken. They are all interoperable, meaning you can use one card of another IC card's network, but you cannot travel between IC card areas on a single card.

They are predominantly used for train and bus fares, but can also be used for payments in urban areas with good transportation links, including for use at vending machines, station kiosks, shops, cafes and restaurants.

Both iPhone and Android support digital versions of Suica and Pasmo via their official apps for easy contactless payment. Android devices need to support Osaifu-Keitai/FeliCa (only installed on phones sold within Japan) whereas Apple devices including iPhone 8 or later and Apple Watch Series 3 or later should work fine.

Digital Payments

If you have a Japanese phone number, a number of local apps are available to you. Digital payment apps can typically be topped up at ATMs or via connecting a bank account, credit card or mobile service provider. Payments can be made via contactless terminals or having a vendor scan your QR code. Services include:

• R (Rakuten) Pay

Getting Yen

Two common ways to withdraw yen are through Japan Post and 7-Eleven ATMs:

Japan Post ATMs are located at more than 26,000 locations nationwide (denoted with the “JP” logo); each post office will have at least one, while they can also be found at shopping malls and supermarkets. Service hours vary according to location; large post offices in major cities will have longer hours than small ones in rural areas. English services are also available

7-Eleven (Seven Bank) has over 20,000 ATMs across Japan, located at 7-Eleven convenience stores. Services are offered virtually 24/7 and currently available in 12 languages (Japanese, English, Korean, Simplified Chinese, Portuguese, Chinese traditional, Thai, Malay, Indonesian, Vietnamese, French, and German).

E-net ATMs in Family Mart can also offer a service to international cards including MasterCard.

Be aware of service charge fees that may also rise for transactions made outside traditional operating hours (usually 9am–5pm on weekdays):

MasterCard ATMs in Japan

Visa Card ATM Locator

Wise in Japan

If you need to transfer funds to a local account or to have convenient access to currency during your trip, Wise (formerly TransferWise) allows you to do so — economically, quickly and easily.

Together with the app, a Wise card can help give you more spending flexibility in Japan while always knowing you'll get competitive exchange rates and the ability to set currency alerts or auto-convert currency.

If you don't have an account, sign-up to Wise today to get a fee-free transfer of up to 75,000 JPY!

Exchanging Currencies

For a general idea of what current exchange rates are like, check out XE Currency Converter or Wise's own Currency Converter .

All places with an “Authorized Foreign Exchange” sign can exchange currencies; these places include banks and money changers (such as Travelex ), which can be located at airports and in major cities.

• Banks are usually open from 9am to 3pm on weekdays.

Hotels and large department stores may offer currency exchange services, although with extra fees and less favorable rates.

Traveler's Checks

Due to the relatively limited number of ATMs that support foreign-issued cards, traveler’s checks are more useful than you’d think in Japan.

Traveler's checks tend to carry more favorable rates than money changers and ATMs, and are accepted by leading banks, hotels, ryokan , and stores in major cities, but very few places elsewhere.

• Do not pay with a check drawn from a foreign bank; as many Japanese places will either charge large extra fees or not accept them at all.

Money Etiquette and Things to Know

Consider the following hints and tips when using money in Japan:

Tipping : Japan has a no-tip policy . Leaving a tip at a restaurant or a taxi driver will often result in them returning you the money (If you do want to leave a tip—such as for a maid at a ryokan or a tour guide—put the money in an envelope and give it to them in person).

Handling cash : Most restaurants, shops, and even taxis, will provide a small tray for you to put money on, instead of giving it directly to the cashier. This is also often used when receiving small change.

Consumption tax : When paying for goods in Japan, it is fairly common to see the pre-tax price advertised although, by law, the final price should always be indicated. Consumption tax is currently 10%, but for cafes, restaurants or other businesses serving food to take away the tax is 8%.

When to exchange : Although it depends on the currency, it is generally better to exchange yen in Japan than in your home country, due to a lower commission and better exchange rate. Similarly, you'll typically get better rates away from the major airports.

Denominations

Read more in detail about each of the Japanese yen's coins and bills.

1,000 yen ( sen-en )

The design is printed in blue.

The front of the current banknote features a portrait of Hideyo Noguchi, a bacteriologist famous for his groundbreaking research on syphilis and yellow fever.

The back of the current banknote features Mount Fuji and Lake Motosu , flanked with cherry blossoms.

2,000 yen ( nisen-en )

The design is printed in green.

It was issued in 2000 to commemorate the millennium, as well as the 26th G8 Summit, held in Okinawa.

The front of the banknote features the Shurei-mon, one of the main gates of the Okinawan castle Shuri-jyo .

The back features a scene from the Tale of Genji and a portrait of the author, Murasaki Shikibu.

Due to its limited number, 2,000 yen bills are considered a novelty in Japan.

5,000 yen ( gosen-en )

The design is printed in purple.

The current design of the front features Ichiyo Higuchi, the first prominent Japanese female author.

The current design of the back is the “Kakitsubata-zu,” a painting of irises by Ogata Korin.

10,000 yen ( ichiman-en )

The design is printed in brown.

The front of the current banknote features a portrait of Fukuzawa Yukichi, the founder of Keio University.

The back features the phoenix statue from Byodo-in .

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6 Best Travel Credit Cards to Use in Japan in 2024

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Just five years ago, I would have described Japan as a predominantly cash-based society, where transactions at restaurants, train stations, and retail stores almost exclusively required cash. However, the landscape has evolved tremendously in recent years. Nowadays, most of your transactions from shopping to dining to taxis to purchasing Shinkansen tickets at the counter can be effortlessly completed using credit and debit cards.

Even wireless functionality for tap-to-pay with your digital wallet is becoming more common in Japan. In addition to convenience, this change allows you to accumulate points and miles with your preferred card. While American Express cards are sometimes accepted, we generally recommend Visa and Mastercard due to their almost universal acceptance across Japan.

Despite this shift toward digital payments, you still need to have a cash card on hand for ATMs withdrawals. You will inevitably need cash for local transport, temples, shrines, vending machines, and mom and pop shops. In this guide, we explore the six best cards to use in Japan for travel, including credit cards for spending and travel debit cards like Revolut and Wise for cash withdrawals.

Revolut and Wise offer multi-currency accounts, allowing you to convert your USD balances to JPY at the mid-market rate. I have had no issue with either card at Japanese ATMs; the ATMs recognize the cards as "local", thus avoiding any additional fees:

• Revolut : Withdraw $400/mo, then a 2% fee applies (for Standard tier members);
• Wise : Withdraw $100/mo, then a $1.50 charge plus 2% fee applies.

6 Best Travel Credit Cards for Japan in 2024

• 01. Revolut Standard Card — Cheapest way to get cash and lounge access scroll down
• 02. Wise Multi-Currency Card — Best prepaid travel debit card scroll down
• 03. Chase Sapphire Preferred® Card — Best for dining and travel points scroll down
• 04. Capital One Venture Rewards Credit Card — Best intro offer scroll down
• 05. American Express® Gold Card — Best way to transfer points to ANA scroll down
• 06. Sumitomo Mitsui Card Gold (NL) — Best for residents of Japan scroll down

The Best Credit Cards for Japan in 2024

Explore the best cards for travel spending in Japan this vacation season. In addition to a credit card without foreign transaction fees that earns points on purchases, you are also going to need a debit card to take out cash cheaply from ATMs.

Data quoted 8 March 2024

Revolut Travel Multi-Currency Debit Card

Revolut is the best option to take out cash cheaply in Japan, thanks to its favorable ATM withdrawal policy that allows for $400 worth of free withdrawals each month. By converting your USD ($) deposits to JPY (¥) prior to your transaction (which you can do in the mobile app), the ATMs will recognize your Revolut card as local, bypassing the need for dynamic currency conversion . In my own experience, ATMs at 7-11 in Japan have not even imposed the standard ¥220 service fee on me when I use my Revolut multi-currency card.

Moreover, Revolut offers the added luxury of lounge access not only across major Japanese airports like NRT, HND, KIX but also worldwide, at a cost of $37 per person. This one-off cost certainly beats the high annual membership fees charged by lounge-access credit cards. If you are a paid member of Revolut's higher tiers, you'll receive discounts on lounge access and get a suite of travel insurance benefits.

While the paid tiers offer higher allowances and more perks, this is what you'll get under Revolut's Standard plan:

• No monthly fee for the Standard Plan;
• $400 of fee-free ATM withdrawals per month, then a 2% fee;
• Airport lounge passes for $37 per person;
• Supports 35 currency balances including JPY;
• No FX fee for the first $1,000 exchanged monthly;
• Revolut's FX rate is industry-low, usually ~0.5% ( check live here ).

Learn more: Read our in-depth Revolut review or watch our video review .

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4

Wise Multi-Currency Card

The Wise Multi-Currency Account is well-suited if you just need a small amount in cash in Japan, since Wise offers a $100 limit on fee-free withdrawals per month. Beyond this, withdrawals incur a $1.50 fee plus 2%.

If you are not going to take out cash, then card or digital wallet purchases with Wise are a great debit option because it applies the mid-market exchange rate on your purchases (Wise will instead charge an industry-low fee of around 0.5%).

However, just remember that Revolut offers a slightly better deal with $1,000 of fee-free exchanges per month, a feature that Wise does not match. As with the Revolut card, I've found that ATMs at 7-11 in Japan do not charge me the standard ¥220 fee when the Wise multi-currency account is topped up with JPY (also easily done within the app).

Here are benefits of the Wise multi-currency account at a glance:

• Opening an account costs $0;
• Offers $100 fee-free ATM withdrawals per month;
• Supports over 40 currencies, including JPY;
• Offers foreign bank details for 10 countries;
• Uses the mid-market rate ( check live here ), with a small fixed fee.

Learn more: Read our in-depth Wise review or watch our video review .

• Trust & Credibility 9.3
• Service & Quality 8.9
• Fees & Exchange Rates 7.6
• Customer Satisfaction 9.6

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is a staple in my Apple Wallet, serving as my go-to card for all card transactions. It recognizes extra point categories in various Japanese institutions, including Shinkansen rides, restaurants, and more. Back when I earned the bonus offer, I was able to pay for a round-trip flight from Japan to California, when redeemed through Chase Travel.

For the perks that Chase offers, the $95 annual fee is very reasonable. You'll pay 21.49%–28.49% variable APR on unpaid balances, so pay your monthly balance on time in full to avoid accumulating interest .

Here's a breakdown of the card's offerings:

• Earn 60,000 points after meeting a $4,000 spend in the first 3 months;
• Get $50 in credits each year for hotels through Chase Travel;
• 5x points on travel booked through Chase Travel;
• 2x on other travel purchases;
• 3x points on dining, online groceries , and select streaming services;
• 1x points on all other purchases;
• Each anniversary, get points equal to 10% of total yearly purchases;
• 1:1 point transfer to partners;
• Comprehensive travel and purchase coverage;
• Uses Visa network rate ( check live rate here );
• No foreign transaction fees .

Capital One Venture Rewards Credit Card

My brother chose this card for his trip to Japan last year, largely for its generous bonus offer and the simplicity of earning 2x miles on every purchase. He was confident he would meet the spending threshold to secure the bonus miles, which helped him cover the entire cost of a US to EU round trip this year. The next time I plan a big flight, this will be the first card I consider to help me with the cost.

The card carries a $95 annual fee, a great trade for the value it delivers, especially for avid travelers. The 19.99% - 29.99% variable APR is similar to that of Chase. It's wise to pay off your full balance monthly to avoid interest.

Here's what makes the Capital One Venture Card a great option for travelers to Japan:

• Earn 75,000 miles after meeting a $4,000 spend in the first 3 months;
• Unlimited 2x miles;
• Earn 5x miles on hotels and rental cars through Capital One Travel;
• Emergency replacement and cash advance if card is lost or stolen;
• Flexibility to transfer miles to over 15+ travel loyalty programs;
• Uses Visa ( check here ) or Mastercard network rate ( check here );

American Express® Gold Card

The American Express® Gold Card is an appealing option for those looking for a travel card from American Express, which is known for its points programs. This card is best for domestic spending within the USA. However, it does have a direct partnership with the ANA Mileage Club, allowing for 1:1 point transfers.

For your references as an All Nippon Airways traveler to Japan, economy tickets between Japan (Zone 1) and North America (Zone 6) in low season can be equivalent to about 40,000 points and around 55,000 in high season. If you earn the 60,000 bonus points offer, you could conceivably redeem them for an entire round-trip flight to Japan.

ANA Mileage Club: Miles required for routes between Japan and North America

Data quoted: 9 March 2024

With a $250 annual fee, the AMEX Gold Card is more expensive than the other cards on this list. But when compared to other AMEX cards, this one is fairly average in terms of price. It charges a variable APR of 21.24% to 29.24%.

Here are the benefits that come with this AMEX credit card:

• Earn 60,000 points after meeting a $6,000 spend in the first 6 months;
• 4x points at restaurants worldwide;
• 4x points for takeout and delivery in the US;
• 4x points at U.S. supermarkets (on up to $25,000 per year);
• 3x points on flights booked directly with airlines or on AMEX Travel;
• 1x points on other eligible purchases;
• $120 Dining Credit, up to $10 monthly at participating partners;
• $120 Uber Cash, get $10 each month for Uber;
• Receive $100 credit with a two-night minimum stay on AMEX Travel;
• Uses AMEX network rate ( check here );

Sumitomo Mitsui Card Gold (NL)

The Sumitomo Mitsui Card Gold Numberless (NL) card is exclusively available to Japanese citizens and residents , and is often considered the benchmark credit card in Japan. While some might argue the merits of the Amazon or Rakuten credit cards for their high cashback rates on platform-specific spending, these benefits cater to those platform-loyal customers. (And personally, I find Rakuten.com's interface cumbersome. If Rakuten physically came to life, I think it would look something like a Don Quijote store.)

Japanese credit cards are a bit different from American ones. In Japan, the default setting is to automatically pay the full balance each month, with the option to choose monthly installment payments instead (at the point of purchase machine). The fees for installments vary from 3 month installments up to 24 month installments.

SMBC charges a low annual fee of 5,500 yen (tax included), and even waives it permanently if you spend 1 million yen or more in one year. However, it has a 2.2% foreign transaction fee. You should only use this card within Japan.

Benefits of the Sumitomo Mitsui Card Gold include:

• 10,000 points annually for spending 1 million yen;
• Earn a minimum of 1 point per 200 yen spent, effectively 0.5% points;
• Physical card payments at convenience stores and restaurants earn 5% points per 200 yen spent, effectively 2.5% points;
• Smartphone touch payments at convenience stores and restaurants earn 7% points per 200 yen spent, effectively 3.5% points;
• Smartphone touch payments at Universal Studios Japan earn 7% points per 200 yen spent, effectively 3.5% points;
• Able to transfer points to partners;
• Access to lounges at domestic airports.

What Are the Best Credit Cards to Use in Japan For Travel in 2024?

Revolut stands out as the best option for withdrawing cash at ATMs in Japan, thanks to its generous $400 monthly fee-free withdrawal limit. If you exceed this limit, Wise is a reliable backup, also doubling as an excellent debit card for international spending .

When it comes to Chase and Capital One, it's a tough call for me; I'd use both if I wanted. The great AMEX rewards program pays for itself, but also seems like a good tool to use before heading to Japan — using your points for ANA flights.

For residents of Japan, the SMBC Gold card is a solid choice for accruing points.

Ultimately, your choice of card for your trip to Japan will likely hinge on a mix of cash withdrawal needs , earning points while on your trip, and using accumulated points to pay for your flights:

• Revolut Standard Card — Cheapest way to get cash and lounge access
• Wise Multi-Currency Card — Best prepaid travel debit card
• Chase Sapphire Preferred® Card — Best for dining and travel points
• Capital One Venture Rewards Credit Card — Best intro offer
• American Express® Gold Card — Best way to transfer points to ANA
• Sumitomo Mitsui Card Gold (NL) — Best for residents of Japan

Do not fall for the dynamic currency conversion trap.

When prompted by ATMs abroad to pay in either USD or the local currency, always choose the local currency. At ATMs in Japan , always choose to pay in JPY (¥).

Is Visa or Mastercard Accepted in Japan?

Yes, Visa and Mastercard are accepted in nearly all establishments that take cards, like hotels, most restaurants, taxis, and retail stores. However, Japan remains cash-based in some areas, including local transportation, temples, shrines, vending machines, local shops, some parking meters, and more.

What Credit Cards Are Accepted in Japan?

In Japan, most major credit cards are accepted, including Visa, Mastercard, American Express (AMEX), JCB (Japan Credit Bureau), and Union Pay.

What US Credit Cards Work in Japan?

Any US credit card bearing the Visa or Mastercard logo will generally work in Japan. American Express is also accepted in some places. Discover cards may be the least widely accepted. Just make sure your card does not charge foreign transaction fees , as these can accumulate quickly.

Is It Better to Use a Credit Card in Japan?

Using credit cards in Japan can be great for earning points while you spend on travels. Nonetheless, given Japan's common use of cash, it's a good idea to also prepare by withdrawing cheaply from ATMs with a Revolut or Wise card.

How To Pay For Local Transit With a Credit Card in Japan

If you have an iPhone, you can add a Japanese IC card to your digital wallet! Simply open your Apple Wallet, tap on the plus sign, and search for Japan. Then, add a Suica card to your smartphone. You can then top up your card using Apple Pay and tap your phone at turnstile readers and most buses.

Can I Use Credit Cards to Take Out Cash in Japan?

Using credit cards for cash withdrawals should be considered an emergency option only, as it triggers a cash advance with high APR charges from your bank. For cash withdrawals, we highly recommend you use debit cards , both in the US and abroad, to avoid these high fees.

References Used In This Guide

Revolut. Pricing Plans . Accessed 9 March 2024. Revolut. Standard Fees . Accessed 9 March 2024. Wise. Cost to Withdraw Cash . Accessed 9 March 2024. Chase. Sapphire Preferred Credit Card . Accessed 9 March 2024. Capital One. Venture Credit Card . Accessed 9 March 2024. American Express. Gold Credit Card . Accessed 9 March 2024. SMBC. Gold Numberless Credit Card . Accessed 9 March 2024. SMBC. Using Abroad . Accessed 9 March 2024. The Points Guy. Redeem ANA Miles for Max Value . Accessed 9 March 2024.

Other Guides on Travel Money and the Best Cards to Use Abroad

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Suica, Pasmo, Icoca and seven more of Japan's most popular IC cards were made compatible with each other in 2013, making it possible to travel on almost all trains , subways and buses in most of Japan's largest cities with just a single of these cards.

What is an IC card?

IC cards are rechargeable cards that can be used to conveniently pay fares on public transportation and to make payments at many vending machines , shops and restaurants by simply touching the card on a reader for about one second. Dozens of train and bus operators across Japan have started issuing their own IC cards since 2001.

Instead of physical IC cards, it is possible to use digital versions of some of the cards on mobile phones ; however, at present, oversea tourists can do this only if they own an Iphone .

What are the ten major IC cards?

The following ten major IC cards are compatible with each other:

What is covered and what is not?

The ten cards are valid on virtually all trains, subways and buses in most of Japan's major cities, including Tokyo , Osaka , Kyoto , Nagoya and Fukuoka . But there are a few issues to keep in mind:

It is not possible to travel outside IC card areas. Both, the origin and destination stations have to be located inside the IC card's coverage area. Furthermore, it is not possible to use an IC card to travel between disjoined IC card areas (except when using shinkansen trains; see details below). For example, you cannot use it to travel between Tokyo and Sendai .

IC cards can be used on selected shinkansen lines, but need some set-up before use. There are currently three different systems:

• On the Tokaido/Sanyo/Kyushu Shinkansen IC cards can be used on the Tokaido / Sanyo / Kyushu Shinkansen via the Tokaido Sanyo Kyushu Shinkansen Online Reservation Service . In order to do so, one or more IC cards and a credit card have to be registered on the website or app (note that the app is available only in a limited number of countries and known as smart EX). Afterwards, it is possible to purchase shinkansen tickets online and use the registered IC cards to pass through the shinkansen ticket gates. Fares are charged to the registered credit card rather than subtracted from the IC cards' balance.
• On shinkansen in eastern and northern Japan It is possible to use regular IC cards on all shinkansen trains in eastern and northern Japan by purchasing e-tickets through JR East's reservation website . Fares are charged to the registered credit card rather than subtracted from the IC cards' balance.
• On shinkansen operated by JR East Regular IC cards can be used on non-reserved seats along the Tohoku, Akita, Yamagata , Joetsu and Hokuriku Shinkansen trains (Hokuriku Shinkansen only between Tokyo and Joetsu-Myoko stations). Before you can use an IC card for this service, which is known as "Touch de Go", a one-time set-up procedure is required at a ticket machine. Fares will be subtracted from the IC card's balance.

When riding other trains that require a supplement fee, e.g. limited express trains, travelers can use the IC card to pay the base fare when passing through the ticket gates, but the supplement ticket needs to be purchased separately at a ticket machine, office or online.

Many highway buses cannot be paid by IC card.

The table below shows in more detail the coverage of the IC cards:

How to use IC cards?

When passing automatic ticket gates, touch the card onto the card reader for about one second (rather than inserting it into the ticket slot). The applicable fare will be automatically deducted when you exit through the ticket gate at your destination station. When riding buses , card readers are placed at the entrance and/or exit of the bus. A card cannot be shared by multiple travelers for the same ride. Each traveler needs a separate card.

Is there a discount over regular tickets?

IC cards generally do not provide any discounts over regular tickets. But in Greater Tokyo , Niigata and Sendai , train fares can differ by a few yen depending on whether an IC card or a paper ticket is used. This is because fares are rounded to the nearest ten yen in case of paper tickets, but not rounded in case of IC cards. Around central Tokyo, payment by IC card is always cheaper than payment by paper ticket (by up to nine yen), but outside of central Tokyo, either ticket type can be up to five yen cheaper than the other.

Where to get an IC card?

IC cards can be purchased at ticket machines and ticket counters of the issuing railway companies. The initial cost consists of a refundable deposit of 500 yen plus an initial amount (typically 1500 yen) to be charged onto the card. For a surcharge, Suica and Pasmo cards can also be purchased and sent to you before the start of your trip through Japan Experience . Last but not least, Iphone users can add Suica, Pasmo and Icoca cards to Apple Pay .

Are there digital versions of the IC cards?

Iphone 8 and later models can be set up to serve as Suica, Pasmo and Icoca cards by adding the cards to Apple Pay, but note that some credit cards issued outside of Japan cannot be used to charge your card.

Android phones can be used as IC cards through the "Mobile Suica", "Mobile Pasmo" and "Mobile Icoca" apps; however, the apps are targeted at residents of Japan and difficult or impossible to use for visitors to Japan. Specifically, they require Osaifu Keitai compatibility, which is not provided by most phones sold outside of Japan, come in Japanese only, and require an address in Japan and possibly a credit card that has been issued in Japan.

Which IC card shall I get?

The IC cards are virtually identical to each other in terms of coverage. The cards differ mainly on where they can be purchased and refunded. Therefore, most people will want to purchase the card available in the first city they visit, e.g. Suica or Pasmo in Tokyo or Icoca in Osaka . If you load a digital card onto your mobile phone , then you have the choice of Suica, Pasmo or Icoca regardless of your geographical location.

How to recharge IC cards?

IC cards can be recharged at ticket machines and special re-charging machines found in strategically meaningful locations. They can also be recharged at stations of companies other than the issuing company, e.g. Suica can also be recharged in Osaka . Furthermore, many convenience stores allow IC cards to be recharged at the cashier. The maximum amount to be charged onto a card is 20,000 yen.

How to check the current balance?

The current credit balance is shown on a small display whenever you pass a ticket gate or make a payment at a store. Furthermore, the balance can be checked at ticket machines together with a usage history.

How to get back the 500 yen refundable deposit?

Bring your card to the ticket counter of the issuing operator in order to get back your 500 yen deposit. Unused credit can also be refunded; however, most companies will subtract a 220 yen handling fee from the remaining balance. Note that IC cards can be returned only to the issuing company, e.g. it is not possible to return a Suica card in Osaka or an Icoca card in Tokyo .

Is there an expiry date?

Cards become invalid if they are not used for ten years.

Besides regular cards, there are personalized cards which can be replaced if lost (handling fee applies), commuter cards which also serve as a commuter pass, and cards for children.

Questions? Ask in our forum .

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The 5 Best Travel Cards for New Zealanders to use in Japan

Planning a trip to Japan? A travel card can make it easier and more convenient to spend internationally - and cut your costs, too. Pick the right travel card and you could get lower fees when you spend in a foreign currency, a better exchange rate, or rewards and benefits that help you do more.

Let’s dive into a deeper look at the best travel cards for New Zealanders to use in Japan.

• Wise - our pick for travel debit card for Japan 
• Travelex Money Card - prepaid card for Japan
• Cash Passport - prepaid card option for Japan

hotpoints® World Mastercard - travel rewards credit card for Japan

• American Express Airpoints Card - travel credit card option for Japan

Wise - our pick for travel debit card for Japan

If you’re thinking of a travel debit card to make spending in Japan easier, check out the Wise international debit card . You can open your Wise account online or with the Wise app , to hold and exchange 50+ currencies, including JPY easily and with the mid-market exchange rate.

There’s a one time fee of 14 NZD to get your Wise card , with no monthly charges, no inactivity fee and no minimum balance to worry about. Just top up in NZD, and either switch to JPY using the Wise app, or just let the card convert for you at the point of payment. In either case you’ll get the mid-market exchange rate and low fees from 0.43%.

Click here read more on how Wise works

Click here to see the full list of cards and how Wise compares

What are travel cards?

A travel money card is a card that’s been optimised for use when spending and making cash withdrawals while you’ve overseas.

Travel money cards include both debit cards or credit cards, with features and fees which can vary quite widely. If you’re in the market for a debit card for your next trip, you may benefit from a specialist card which lets you hold multiple currencies, with low fees and - often - no ongoing charges. If you’d like to spread the cost of your travel out over a few months you might prefer to get a travel credit card. In this case there may be fees or interest charges to pay, but some travel cards also offer opportunities to access rewards and travel perks like lounge access.

Whichever type of card suits your needs, you can use your travel card to tap and pay in stores when you’re overseas, and to make cash withdrawals in local currency wherever you are. Let’s look at some good cards to consider for your trip, next.

Related: Everything you need to know about International Debit Cards

4 travel money cards for Japan compared

To start off, let’s look at 4 different travel cards offered for New Zealanders, and some of the key fees you should know about. We’ll look at these cards in more detail later.

In general, travel debit cards can come with lower overall fees, while travel credit cards offer better reward earning opportunities. Which card is best for you will depend on your personal preferences and how you like to manage your money. We’ll walk through each of these cards in more detail in a moment, so you can see if any suit your needs.

What are the different types of travel cards?

The best choice for you depends on what you'll be using it for, whether that's taking out cash, making card purchases or transferring Japanese Yen to a local bank account.

Broadly speaking, you can split travel cards down into 3 different types - each of which have their own distinct features, advantages and drawbacks:

• Travel debit cards
• Prepaid travel cards
• Travel credit cards

Let's have a look at our top picks for the three best travel cards for New Zealanders heading to Japan.

Travel Debit Cards

Travel debit cards are generally offered through specialist online services, and linked to multi-currency accounts you can use to hold and exchange all the currencies you’ll need for your trip to Japan - and for future travel elsewhere, too. As a debit card you won’t need to worry about interest charges - just top up your account with the money you want to spend while you’re away, and use your card as you would at home, for convenient payments and withdrawals.

Debit cards offer the convenience of a credit card, but work differently. They draw money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make it easier to stick to your travel budget, because you can't overdraw money from your account. Some travel debit cards also let you buy the currency you need for travel in advance, so you can convert when the rates are good, and hold a balance until you travel.

Generally, it makes sense to have the combination of a travel debit and travel credit card for safety, flexibility and convenience on your trip. That way you should always have easy access to JPY to pay your way while you’re in Japan.

Wise - travel debit card for Japan

The Wise travel debit card is linked to a multi-currency Wise account which can hold 50+ currencies - making it a great pick for your travel to Japan, and wherever else you might venture. Ordering a Wise card is easy and you can set up an account, get verified and add a balance all using nothing more than your phone. You’ll have access to a virtual card for online and mobile payments as soon as you’ve ordered your physical card, and your physical card will arrive in the post soon after.

Wise uses the mid-market exchange rate for all currency conversion, with low fees from 0.43%. There’s no foreign transaction fee to pay, and it’s free to spend any currency you have in your account - plus you’ll get some fee free ATM withdrawals every month for those times only cash will do.

• Hold and exchange 50+ currencies with the mid-market exchange rate
• Convert currencies in advance of travel, or let the card convert at the point of payment
• Free to spend any currency you hold in your account
• No ongoing charges, inactivity fees or minimum balance requirements
• Low, transparent fees based on how you use your card
• Variable currency conversion fees apply
• Some ATM charges apply once you’ve exhausted your fee free limits

Read our full Wise review

Prepaid Travel Cards

For prepaid cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful. They can have numerous fees and charges, which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option.

Travelex Money card - prepaid card for Japan

The Travelex card can be used to hold, spend and withdraw 9 currencies, including JPY. That means you can top up your card in NZD and switch over to JPY easily before you travel. It’s useful to know that a conversion fee of 4% will apply if you don’t have the right balance to cover your spending while you’re in Japan.

The Travelex card has no ATM fee when you make a cash withdrawal, and it’s also handy because you can pick one up in minutes in a Travelex store. Just order online to get a travel card for next day collection, or call into a store with your ID and proof of address, to get one there and then.

• Supports 8 currencies you can manage and load online
• Order online or in person, or walk in and collect in a store 
• No Travelex international ATM fees and no transaction fees to spend currencies you hold
• Preferential foreign exchange fees when you convert currencies in your account 
• Fees apply if you reload the card in New Zealand dollars
• Inactivity fees apply
• 4% fee if you’re spending an unsupported currency, or if you don’t hold enough balance in the currency you’re using

Cash Passport - prepaid card for Japan

Order your Cash Passport before you travel, to hold, spend and withdraw 10 currencies, including JPY. Just add money to your card in NZD and switch over to JPY before you travel. If you don’t hold the balance you need for your overseas spending, a conversion fee of 5.95% will apply.

The Cash Passport is issued on the Mastercard network for global acceptance - and you can easily order your card online, or pick up in person through select retailers.

Pros and cons of using prepaid travel cards in Japan

• Order online or pick up in store, depending on your preference
• Add funds in NZD and convert to the currency you need in advance of travel
• Not linked to your normal NZD account, adding a layer of security
• You may be able to top up your account digitally while you’re away
• Multi-currency holding options
• Not all cards support all currencies - fees can apply when spending an unsupported currency
• Inactivity and top up fees can apply

How to choose the best travel prepaid card for Japan?

Travel prepaid cards can have foreign transaction fees when you spend in a currency you don’t hold in your account - either because your balance doesn’t cover the spending, or because the card can’t hold the specific currency. As these foreign transaction fees push up overall costs significantly, it’s useful to look for a prepaid travel card which can support JPY if you’re about to travel to Japan, to make your money go further when you’re there.

Is there a spending limit with a prepaid card in Japan?

Prepaid cards do typically have spending limits, which can vary depending on the provider and the types of spending. You may find you have a limit to the amount you can withdraw at an ATM for example, as well as a limit to the value of POS payments you can make daily. Check your preferred card’s terms and conditions to learn more.

Travel Credit Cards

Travel credit cards can give you longer to pay back what you've spent - but there will be interest to pay if you don’t clear your bill promptly.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. This can mean getting cashback, or using your points to offset fees and future purchases, or even to trade in for hotel rooms or flights.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

If you’re looking for a way to spread the cost of your trip over a few months, and don’t mind paying interest charges, a travel credit card could be the right pick for you. There are quite a few different travel optimised credit cards available for customers in New Zealand, which may offer opportunities to earn rewards when you spend and travel, or travel perks like free insurance or lounge access.

Features and fees do vary widely, and eligibility requirements are usually in place, including a credit check - so do compare a few before you pick one. We’ve got the lowdown on one popular travel credit card coming up, to kick off your research.

• Earn points as you spend on your card, which you can redeem later
• Get 120 days travel insurance, and some lounge access perks
• Spread the costs of your purchases and travel 
• 285 NZD annual fee plus variable interest if you don’t pay your bill in full
• 1.95% foreign transaction fee when you spend or withdraw in a foreign currency 
• Higher rates of interest for cash advance - including if you make an ATM withdrawal 

American Express Airpoints - travel credit card for Japan

Airpoints is the Air New Zealand loyalty and rewards programme - and includes ways to boost your points with credit card spending. The American Express Airpoints Card has no annual fee and allows you to earn one Airpoints dollar for every 100 NZD spend. You can then use your Airpoints dollars to fund your travel spending, or to shop online at the Airpoints store.

If you’d rather earn rewards faster, there are also different Airpoints cards which come with annual fees but which accrue points at a higher rate. Just bear in mind that overseas spending comes with a 2.5% foreign transaction fee, which can push up costs. Weigh up the benefits you’ll get against the potential fees before you sign up.

Pros and cons of using credit cards in Japan

• Convenient and easy to use
• Earn rewards as you spend, such as air miles and cash back
• Issued on globally accepted payment networks
• Variety of different cards available depending on your personal needs
• Safe to use, often with extra protections on spending
• Interest charges apply if you don’t repay your bill in full every period
• Other fees can apply including annual fees and foreign transaction fees

How to choose the best travel credit card for Japan?

Getting the best travel credit card for Japan will be a question of your personal preferences and needs. One thing to watch out for is the fees you’ll pay to unlock travel credit card benefits. Look at the annual fees, interest and any foreign transaction fees in particular, and weigh these costs against the reward earning opportunities to make sure you get the best balance for your spending.

Pros and cons of travel debit cards

Travel debit cards can certainly be a handy tool when you travel or shop internationally. But they’re not perfect and they’re not your only option. If you’re not sure what type of card will suit you, check out these pros and cons of travel debit cards to help you decide:

• Many travel debit cards come with lower overall foreign currency costs, or easy ways to earn rewards as you spend overseas
• Some cards have linked multi-currency accounts you can use to hold major currencies
• Easy to budget with a debit card - no late fees, penalties or overdraft charges, just spend to the card balance
• Most cards let you manage them on an app, convenient when you’re overseas
• Different cards have their own features, and some can come with quite high fees for certain transaction types
• Not all cards support all currencies - check the currencies you need are supported before you order
• You may pay an upfront fee to get your card
• Debit cards aren’t always accepted - if you’re paying a deposit for example, a credit card may be required

Dedicated travel cards are a good way to spend and make cash withdrawals in Japan. By picking a card on a globally recognised network you’ll be able to tap and pay - or make cash withdrawals in Japan - just as easily as you would at home. And, depending on which card you pick, you may get lower overall costs or options to earn rewards and air miles as you spend.

Compare a few travel cards for Japan before you pick the right one for you, including the Wise card if you’re thinking of a multi-currency debit card option, or the Travelex card if you need a prepaid card with no ATM fees to pay.

FAQ - The Best Travel Cards to Use in Japan

What currency do they use in Japan?

The official currency in Japan is Japanese Yen. Before you travel, plan how best to manage your travel money, which could be to hold a little cash, and have a travel debit card or credit card for spending and withdrawals once you arrive. 

What are the best travel cards to use in Japan?

There’s no single best travel card for Japan. Which works best for you will depend on whether you’re looking to hold a currency balance, cut your overall costs, earn more points, or access other account features like local currency receiving accounts. The good news is that there are plenty of options on the New Zealand market to pick from - use this guide as a starting point to find the right one for you.

Can I exchange cash at the airport?

It’s usually possible to exchange cash at the airport - but you might find you pay a higher overall fee, including a currency exchange markup, if you do. Passing trade and a captive market usually mean airport currency exchange kiosks have pretty poor rates compared to alternatives - you may find you’re better off withdrawing some cash in the airport you arrive into, or getting a travel debit card to see you through your travel.

Can you withdraw cash with a credit card in Japan?

You can generally withdraw cash with a credit card in Japan, at any ATM where your card’s network is accepted. However, bear in mind that fees may apply, including charges from your card issuer, and from the ATM operator. Using a travel debit card, such as the Wise card, which has some fee free ATM withdrawals every month, can often be cheaper than using a credit card as you’ll avoid cash advance and interest charges

Do I need a card for overseas trips?

It’s a good idea to have a card for overseas trips so you don’t need to carry a large amount of cash with you when you head overseas. Choosing a specialist travel debit card can also mean you cut the costs of currency exchange and pay less overall for your foreign currency spending.

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Welcome to japan.

Be bamboozled by a country that surpasses imagination. Sci-fi is the norm in Japan, yet it still remains deeply rooted in its deep and humble traditions. While neon rainbow cities host karaoke, charming sunset towns hold quiet tea ceremonies. And then there’s the stunning landscapes that glide past in super-fast trains. It’s just too much goodness.

5/5 stars – Thankfully, ‘convenience store’ takes on a whole new meaning in Japan, with thousands of stores all over the country providing ATMs. This means you’ll go further with your travel money.

It’s not customary to tip, just be polite instead.

Phone and Internet access

When Godzilla isn’t breaking things, it’s excellent.

You’ll always find cheap and convenient food and transport, just make sure you keep coins handy.

• Coffee:   AU$4.70 (regular cappuccino)
• Water:  AU$1.20 (500mL bottle)
• Beer :  AU$5.80 (draft beer)
• Food :  AU$8 (bowl of ramen)
• Taxi:   AU$44 (on a busy day)
• Big Mac:  AU$4.30 (known as biggu makku)

Daily budget

Budget:  Around AU$80/day = 2x cheap meals, supermarket snacks, train ticket and entry to a baseball game Moderate:  Around AU$150/day = 2x cheap meals, supermarket snacks and traditional Japanese costume hire Luxury:   Around AU$200/day = 2x restaurant meals, supermarket snacks and a Robot Cabaret Show

Safety rating

5/5 stars -  You’ll always feel safe in Japan, because, well it is safe. Just keep your belongings away from cheeky forest monkeys and stick to the neon slick streets in the cities, rather than dark alleyways.

Travel Money Trivia

Don’t be a square The word yen directly translates to ‘a round object’.

Paperclip coin  The coin for 1 yen weighs 1 gram, around the weight of a paperclip.

Donut yen Both the 5 and 50 yen coin have a hole in their centre.

On emperor’s time Unlike our coins, yen display the year of the current emperor’s reign.

Hey big trader  The Japanese yen is the third highest traded currency (after USD and the euro).

Let's talk money

To keep your costs in Japan cheap and efficient, you’ll want to keep plenty of cash in hand for your day-to-day purchases. In fact, coins are a gateway to so many necessities, with some restaurants requiring tickets for meals (purchased at coin vending machines).

• Tips are often refused, so tip by saying: “arigatou gozaimasu”
• Save with a Japan Rail Pass
• Choose a hotel with free Wi-Fi
• Be smart with ATM fees
• Convenience store  = cheap lunches!
• Most vending machines require coins, so keep yo’ yen handy for burgers and quirky knick-knacks

Cherry blossom chasing  When spring awakens Japan’s flowers, you’ll see the cherry blossom. Plan out when they bloom in each city and walk down aisles of silky pink.

Fushimi Inari-taisha Shrine   Walk through the rows of mesmerising sunset-orange torii gates. There are 10,000 all up, so you’ll have time to enjoy it.

Robot restaurant    Sit back with a beer and watch robot monsters dance, fight and inspire with this profound cabaret show in Tokyo.

Nara, my deer    Visit the quiet city of Nara to discover the insanely cute (and bizarrely polite) deer of Nara Park.

Late night Gion Kyoto is full of places to enjoy, like Gion. This famous geisha district is full of traditional buildings and lantern-lit paths that are truly enchanting.

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Travel Money Oz has sought to ensure that the information is true and correct at the time of publication. Prices, details and services are subject to change without notice, and Travel Money Oz accepts no responsibility or liability for any such changes, including any loss resulting from any action taken or reliance made by you on any information provided. Daily Cost: All prices are approximations. Your costs may differ depending on where you go, where you shop, and their individual factors. Daily Budget: Costs are estimated per person and do not include accommodation.

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• Cashless Payments in Japan
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Many stores and restaurants now accept cashless payments

Cashless transactions are becoming more common in Japan. Also, Electronic transactions have become widespread for shopping and public transportation payments.

Advancing towards a cashless society

In Japan, there are still many places where cash is required, however, in recent years, cashless shopping has become increasingly common. Cards and electronic money that can be used are indicated at the entrance of establishments and payment counters. However, please make sure beforehand whether credit cards can be used at the specific stores and restaurants you plan to visit. Also please be aware that many places, especially in rural areas, may still only accept cash, even hotels. When visiting the countryside, remote or off the beaten track areas to enjoy nature, please check with accommodations and facilities prior to traveling and prepare some cash.

Credit cards and contactless payments

As dealing with unfamiliar local currency while traveling overseas can be challenging, credit cards are the most convenient method of payment. Credit cards issued overseas can be used at affiliated stores, with the most widely accepted credit cards in Japan being Visa, JCB and Mastercard. Usually, these cards are accepted at major hotels, department stores, large-scale shopping centers and restaurants in urban areas.

Contactless payments are also being implemented more. Using RFID (Radio Frequency Identification) technology, they are secure payment methods using debit or credit cards, IC cards, or other payment devices. Stores that accept such payments have the appropriate logos displayed. Despite being in development stages, contactless payments can already be used at most major convenience stores, stores and other establishments. To be on the safe side, however, always have some cash on hand.

Payments using smartphones

Smartphone payment methods used overseas, such as ApplePay, GooglePay and AliPay sometimes cannot be used in Japan. The most commonly accepted contactless payment smartphone apps or QR code payment methods are PayPay, LinePay, Rpay (Rakuten Pay) and MerPay. Most stores also support credit cards such as Visa, JCB or Mastercard. Downloading these credit card attached apps beforehand will help you avoid tediousness and save time when needing to make payments. However, there may be locations where payment errors occur, so it's recommended for one to be prepared to pay with cash as an alternative to credit cards.

*Some mobile payment systems are not compatible to non-Japanese models of mobile phones or smartphones, so the mobile payment may not be accepted depending on mobile phone models.

IC travel cards

If one uses public transportation frequently, there are also IC travel cards available for tourists that do not require a deposit. The locations at which the IC travel cards can be purchased is limited, they have a limited period of use and any money charged onto the card is non-refundable, but using prepaid IC travel cards saves time as it eliminates the need to purchase tickets each time.

Any IC travel card compatible with the National Interoperable Transport System, such as the popular Suica and Pasmo cards, can be used on trains, buses and at stores nationwide displaying this logo.

There are also smartphone applications such as Mobile Suica and Mobile Pasmo that work in the same way as IC travel cards. These apps can be linked to credit cards too, making them even more convenient.

IC travel cards and smartphone apps can be used to make payments at many convenience stores, shops and vending machines.

Physical IC travel cards can be purchased at station ticket counters or at automatic ticket vending machines at most railway stations. Children's IC travel cards, however, are only sold at ticket counters and require a passport or other form of identification that shows their age. Please note, only cash can be used when purchasing from a ticket vending machine. A deposit is also required to buy an IC travel card. Though the fee may vary, most deposits are set at 500 yen. The deposit will be refunded once the card is returned.

NOTICE: Welcome Suica IC cards are sold only at Haneda Airport Terminal 3 Station as of December 2023 due to the global chip shortage.

• PASMO PASSPORT IC cards for short-term visitors to Japan will continue to be available at Narita Airport, Haneda Airport, and major stations in the Tokyo metropolitan area.
• Smartphone applications such as Mobile Suica and Mobile PASMO can continue to be used as usual through Apple Pay with iPhone 8 or later models, or Google Pay with some Android smartphones.
• Other IC cards being sold outside the Tokyo area such as ICOCA and TOICA will continue to be available in each region.
• Please refer to the official website for more information. https://www.jreast.co.jp/multi/en/welcomesuica/welcomesuica.html

Depending on the area and railroad company, the IC travel cards that can be used may vary. Be sure to purchase the appropriate card according to one's travel plans. When the card's balance runs low, it can be topped up at one of the many multi-function ticket vending machines at all train stations. Please note that credit cards are not accepted, and one must pay with cash.

For more information for purchasing and charging IC travel cards, please click on the links below.

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