JCB GOLD vs Mitsui Sumitomo Card Gold (NL)
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, JCB GOLD comes out ahead on estimated net value — about ￥1,700/yr more than the Mitsui Sumitomo Card Gold (NL). Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | JCB GOLD Best valuePopular | Mitsui Sumitomo Card Gold (NL) |
|---|---|---|
| Issuer | JCB | SMBC |
| Annual fee | ￥11,000 / year | ￥5,500 / year |
| Welcome bonus | Up to 10,000 Oki Doki Points in first 3 months | — |
| Min. income (monthly) | JPY 3,600,000 | JPY 3,000,000 |
| Reward type | points | points |
| Headline rate | — | — |
| Bonus categories | travel, shopping, partner_stores | seminas, everyday |
| Lounge access | Yes | Yes |
| Foreign tx fee | 1.6% | 2.2% |
| Est. net value / yr | ￥38,680 | ￥36,980 |
| Apply | Apply |
Frequently asked questions
- JCB GOLD vs Mitsui Sumitomo Card Gold (NL): which is better?
- On our reference spend profile the JCB GOLD delivers higher estimated net value than the Mitsui Sumitomo Card Gold (NL) in Japan, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between JCB GOLD and Mitsui Sumitomo Card Gold (NL)?
- JCB GOLD: ￥11,000 / year. Mitsui Sumitomo Card Gold (NL): ￥5,500 / year.
- Which earns more rewards, JCB GOLD or Mitsui Sumitomo Card Gold (NL)?
- JCB GOLD earns points; Mitsui Sumitomo Card Gold (NL) earns points. We rank by net value after fees, not headline rate alone.