SuMi TRUST CLUB Card
Service Guide
Card Line-up
With global service and rock-solid reliability, SuMi TRUST CLUB Card has issued top of the class cards in the world.
Annual Fees (Excluding tax)
Principal Member
Family Member
SuMi TRUST CLUB Platinum Card
35,000 yen
Free
SuMi TRUST CLUB Gold Card
12,000 yen
Free
SuMi TRUST CLUB Rewards World Card
12,000 yen
Free
SuMi TRUST CLUB Rewards Card
3,000 yen
Free
SuMi TRUST CLUB Elite Card
3,000 yen
Free
SuMi TRUST CLUB Cash Back Card
3,000 yen
500 yen
【Delta Airlines-Alliance Cards】
Principal Member
Family Member
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
40,000 yen
Free
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
18,000 yen
9,000 yen
Principal Member
Family Member
SMBC TB Platinum Card
35,000 yen
Free
SMBC TB Delta SkyMiles Platinum VISA Card
40,000 yen
Free
SMBC TB Gold Card
12,000 yen
Free
SMBC TB Delta SkyMiles Gold VISA Card
18,000 yen
9,000 yen
$40.00 USD
Free
【SMBC Trust Bank-Alliance Cards】
SMBC TB Dollar Card
*Where any amount is shown as a pre-tax price (excluding tax), the amount will be billed together with an amount based on the applicable tax rate. For specific sums billed, please refer to
the statement.
1
SuMi TRUST CLUB Card Service Guide
When you enjoy daily shopping, have an exciting time at an event, relax on your holidays, explore unknown world abroad, or even in unexpected
emergencies, SuMi TRUST CLUB Card credit card is there for you in every aspect of your life. This Service Guide introduces the wide range of
services available to card members and helps you make the most out of your card for your ultimate enjoyment.
CONTENTS
For more Information
SuMi TRUST CLUB Card Official Website
Call Center
List of Card Services
Travel Services
Travel Desk
Airport Lounge Service
Airport Taxi Service
Visa Special Offer Information
MasterCard Special Offer Information
THE WORLD “OTOKU” SHOPS GUIDE
Other Services
Alert Service
Overseas Medical Consultation Service
Hertz Rent-a-Car
World Souvenir Delivery Service
Flower Service
SuMi TRUST CLUB VISA Platinum Card Special Offers
Rewards Programs
SuMi TRUST CLUB Rewards Program
Bonus Rewards Program
SuMi TRUST CLUB Cash Back Program
Insurance Services
2
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3
Insurance Services
10
Financial Services
13
14
Cash Advance & Card Loan
Installment Loan
5
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How to Use Your Card
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First Sign the Back of Your Card
How to Use Your Card at Merchants
Closing Date and Payment Date
Total Credit Line
Method of Payment
Revolving Payment
Payment In Installments
Safety Tips
If Your Card Is Lost Or Stolen
Managing Your PIN
7
7
7
7
7
7
Options
18
18
18
Family Member
SuMi TRUST CLUB ETC Card
e-Statement (Online Billing Statement)
8
9
10
For more Information
SuMi TRUST CLUB Card Official Website
●SuMi TRUST CLUB Card E-Magazine
E-Magazine with information on great benefits and more will be
delivered to your email inbox. Please register your email address on
Club Online.
On our website, you can find money-saving promotions, check your
account activities or reward point (or cash-back) balances, register for
marketing campaigns, request a variety of materials, and much more.
* Please note that the SuMi TRUST CLUB Card E-Magazine may not be compatible with mobile
phone email addresses.
http://www.sumitclub.jp/en/
Call Center
●Club Online
[Registration and Sign-on]
Our call center provides customer support 24 hours a day, 365 days
a year. Call for emergencies such as a lost or stolen card, or to
inquire about any of our services.
Once you register, you just need to enter your ID and password to
sign on!
*When registering for the first time, you will be required to enter your card number, date of
birth, security code (see Page 14), and the last 4 digits of the Telephone number at your
registered home address.
0120-003-081 24 hours a day/365 days a year
[Useful Services Available on Club Online]
If using a mobile phone call
Register for promotions
● Check or change your registered account information
● Check or increase your total credit line
● Check your monthly billing statement
● Cash advance & card loan
● Check your point balance* or exchange points for rewards
● Apply for ”Switch to Revolving Payment”
●
045-330-6900
From overseas, call
81-45-330-6900
*Please feel free to call collect.
*Be sure to have your 16-digit card number and 4-digit T-PIN ready when calling. To check
your T-PIN, use the Interactive Voice Response system to connect to an operator. You will
receive your T-PIN in writing at a later date.
*This service requires a touch-tone phone.
*For mileage balances, you need to access the website of your airliner.
*SuMi TRUST CLUB Cash Back Card Members can view their cash back balance instead of
point balance.
*Please note that Club Online may not be available during certain times of day due to
maintenance.
Club Online
2
List of Card Services
Club Online
Call Center
SuMi TRUST CLUB
Platinum
Card
SMBC TB
Platinum
Card
SuMi TRUST CLUB
Gold Card
SMBC TB
Gold Card
Delta SkyMiles
SuMi TRUST CLUB
Platinum
VISA Card
SMBC TB
Delta SkyMiles
Platinum
VISA Card
P2
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<Travel Services>
Travel Desk (Overseas)
P5
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Travel Desk (Domestic)
P5
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Airport Lounge Service
P5
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Airport Taxi Service
P6
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Visa Special Offer Information
P6
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MasterCard Special Offer Information
P6
THE WORLD “OTOKU” SHOPS GUIDE
P6
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(MasterCard Only)
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<Other Services>
Alert Service
P7
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Overseas emergency assistance Service
P7
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Hertz Rent-a-Car
P7
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World Souvenir Delivery Service
P7
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Flower Service
P7
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SuMi TRUST CLUB VISA Platinum Card Special Offers(*1) P7
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<Rewards Programs>
SuMi TRUST CLUB Rewards Program P8
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Bonus Rewards Program
P9
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SuMi TRUST CLUB Cash Back Program
P10
<Insurance Services>
Travel Insurance
P10
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Buyer’s Protection
P12
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Cancel Protection
P13
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<Financial Services>
Cash Advance & Card Loan (*2)
P13
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Installment Loan
P14
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Revolving Payment
P15
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Payment In Installments
P16
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Family Member
P18
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SuMi TRUST CLUB ETC Card
P18
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e-Statement
P18
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<Method of Payment>
<Options>
* 1 : SuMi TRUST CLUB VISA Platinum Card means SuMi TRUST CLUB/SMBC TB Platinum Card and Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card/SMBC TB Delta SkyMiles Platinum
VISA Card in this guide.
*2: Application form for Cash Advance/Card Loan Credit Line increase is required in advance.
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List of Card Services
Delta SkyMiles SMBC TB Delta
SuMi TRUST CLUB
SkyMiles
SuMi TRUST CLUB
SuMi TRUST CLUB SuMi TRUST CLUB SuMi TRUST CLUB
Rewards World
Gold VISA
Gold VISA
Rewards Card
Elite Card
Cash Back Card
Card
Card
Card
Club Online
Call Center
SMBC TB
Dollar Card
P2
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P2
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<Travel Services>
Travel Desk (Overseas)
P5
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Travel Desk (Domestic)
P5
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Airport Lounge Service
P5
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Airport Taxi Service
P6
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Visa Special Offer Information
P6
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MasterCard Special Offer Information
P6
THE WORLD “OTOKU” SHOPS GUIDE
P6
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<Other Services>
Alert Service
P7
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Overseas emergency assistance Service
P7
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Hertz Rent-a-Car
P7
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World Souvenir Delivery Service
P7
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Flower Service
P7
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SuMi TRUST CLUB Rewards Program P8
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Bonus Rewards Program
P9
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SuMi TRUST CLUB Cash Back Program
P10
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SuMi TRUST CLUB VISA Platinum Card Special Offers (*1) P7
<Rewards Programs>
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<Insurance Services>
Travel Insurance
P10
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Buyer’s Protection
P12
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Cancel Protection
P13
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<Financial Services>
Cash Advance & Card Loan (*2)
P13
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Installment Loan
P14
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<Method of Payment>
Revolving Payment
P15
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Payment In Installments
P16
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Family Member
P18
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SuMi TRUST CLUB ETC Card
P18
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e-Statement
P18
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<Options>
*1 : Application form for Cash Advance/Card Loan Credit Line increase is required in advance.
*2: The SMBC TB Dollar Card does not include Domestic Travel Accident Insurance.
*3: The SMBC TB Dollar Card can only be used overseas.
4
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Travel Services
Travel Desk
Domestic
Provides a variety of convenient services to make your domestic
travel more enjoyable. Will also respond to various requests to help
you make the most of your time.
Overseas
Our Travel Desk offers help and consultation services when you
travel abroad.
Information in Japan
Get information about areas throughout Japan including events,
festivals, and flower blossoms or snowfalls. Also search for and
reserve transportation in domestic travel, lodging and package tours
– all with a single phone call.
● Before Your Departure
Individual Overseas Travel Management Service
Our Travel Desk can make reservations on your behalf at famous
hotels in your destinations or air tickets including regular discount
tickets to locations throughout the world. Also ask our Travel Desk
for information on or booking at restaurants, optional tours, shows,
sporting events and much more.
Accommodations
Select from around 4,500 hotels and inns around Japan. Find a plan
that fits your tastes, whether it is a stay at a charming inn, a room
with a beautiful night view, or in a suite room. If there is a vacancy, a
reservation on the same day is possible.
Overseas Package Tour Discount Service
*If there are vacancies available, you can even make a reservation on the day you plan to stay.
Get a 3% to 5% off the basic prices of overseas package tours from
our affiliated travel agencies.
Public Transportation
*Please make reservations at least 10 days before departure. Note that if there are less than
10 days until departure, depending on the situation it may not be possible to accommodate
your requests.
*The discount service can only be used through the Travel Desk. (Please note that discounts
of some products may not be available for certain destinations.)
*These services are not available for SMBC TB Dollar Card Members.
For information and reservations for all kinds of domestic transportation, including JR, limousines, rental cards, ships, and air flights.
*Some products such as certain kinds of JR tickets may not be available.
Domestic Package Tour Discount Service
● After Your Departure
Overseas Assistance Desk
Get a 3% to 5% discount on domestic package tours from partner
travel agencies.
Information/Arrangement Assistance Services
*Limited to products with a basic cost of at least 50,000 yen per person.
*Please make a reservation at least 10 days before departure. Note that if there are less than
10 days until departure, depending on the situation it may not be possible to accommodate your requests.
*The discount service can only be used through the Travel Desk.
(Note that some products may not be eligible for discounts or may not be available
depending on the point of departure.)
There are over 80 assistance desks around the world for various
information, reservation services, and emergency support or consultations.
For information on the city highlights, tourist destinations, public
transport, flight information, hotels, information on sporting, entertainment events, concerts, resort sports facilities, optional tours and other
local timely information.
*These services are not available for SMBC TB Dollar Card Members.
*Depending on the service, you may need to pay some actual costs and/or service fees.
*Please have your SuMi TRUST CLUB Card credit card ready when you contact the Travel
Desk (Domestic) as your card number and the expiration date are necessary.
Please direct any inquiries to Travel Desk (Domestic)
Please direct any inquiries to Travel Desk (Overseas)
●For SuMi TRUST CLUB VISA Platinum Card Members
●For SuMi TRUST CLUB VISA Platinum Card Members
Overseas travel : 0800-100-5972
Domestic travel : 0800-100-5971
（Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4）
（Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4）
●For Other Card Members
●For Other Card Members
Overseas travel : 0800-222-5972
Domestic travel : 0800-222-5971
（Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4）
（Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4）
*This service is provided by H.I.S. CO.,LTD. (Registered Travel Agency No. 724 approved by the
commissioner of Japan Tourism Agency).
*This service is provided by H.I.S. CO.,LTD. (Registered Travel Agency No. 724 approved by the
commissioner of Japan Tourism Agency).
● Primary Overseas Desks
Airport Lounge Service
As of December. 2015
North America
New York, San Francisco, Los Angeles, Las Vegas,
Orlando, Vancouver, Toronto, Honolulu
Use our airport lounge service to relax as you wait to board your
flight. Lounges are available to eligible members at no charge.
Europe
London, Paris, Rome, Frankfurt, Vienna, Madrid, Barcelona
● To Use an Airport Lounge
Asia/Pacific
Hong Kong, Singapore, Seoul, Bangkok, Beijing, Shanghai, Taipei,
Siem Reap, Bali, Saipan, Guam, Gold Coast, Sydney, Auckland
Present your eligible credit card and boarding pass at the lounge
entrance.
*If using an online check-in service, please present a confirmation screen on your mobile
phone or a printout of the screen from your PC so that your boarding status may be
confirmed.
*SuMi TRUST CLUB Elite Card and SuMi TRUST CLUB Rewards Card may not be used at
some lounges.
*This service is not available for SMBC TB Dollar Card or SuMi TRUST CLUB Cash Back Card
Members.
*The location, contact information, and dates or hours of operation for overseas desks in
each country may change without notice, so please check the SuMi TRUST CLUB Card
official website before departure.
*Only available to a Member and those accompanying them.
Please access the SuMi TRUST CLUB Card official website for details
about the Airport Lounge Service (Japanese only).
Please see here
5
Airport Taxi Service
THE WORLD “OTOKU” SHOPS GUIDE
The Travel Desk (Overseas) provides a preferential taxi service to
people reserving an overseas travel package or overseas flight ticket
departing from Japan, provided they meet the minimum purchase
price below.
Provides a variety of online coupons for use in locations around the
world, including Hawaii, South Korea, Italy and Australia.
Also includes city maps and information about merchants. Just select
your travel destination.
● Available Locations
● Customer with a purchase price of at least 500,000 yen (*1) is
eligible for a free (*2) or partially paid (*3) one-way taxi ride.
● The trip shall be from a location in the eligible areas (*3) to an
eligible airport.
●Hawaii ●Guam/Saipan ●London/Paris ●South Korea ●Shanghai/Beijing
●Hong Kong/Taiwan/Macao ●Thailand/Singapore ●New York ●Los Angeles/San Francisco ●Italy ●Spain ●Germany/Austria
*Featured countries/regions are subject to change.
*This service is provided by the VJA Group.
● Eligible Airports
Please access the SuMi TRUST CLUB Card official website for details
about THE WORLD “OTOKU” SHOPS GUIDE (Japanese only).
● Narita Airport (Terminals 1 & 2) ● Kansai International Airport
● Chubu International Airport
● Haneda Airport International Terminal
Please see here
*1: Fuel surcharges, Japanese airport usage charges and destination airport usage charges
are not included in the purchase price.
*2: TRUST CLUB will pay for the cost on behalf of the customer for a taxi ride from a certain
location in the eligible areas to an eligible airport.
*3: The areas eligible for this service are limited.
*This service is not available for SMBC TB Dollar Card, SuMi TRUST CLUB Rewards Card or
SuMi TRUST CLUB Cash Back Card Members.
Please access the SuMi TRUST CLUB Card official website for details
about Airport Taxi Service (Japanese only).
Please see here
Special Offer Information
Download coupons for shopping or dining overseas or get information about great prizes that you can win.
● Visa Passport
Use with your Visa Card to enjoy discounted overseas travel. Download in PDF format from the site below.
Visa Card Members Site (Japanese only)
www.visa-news.jp
*Services provided to Visa Gold Members apply to the SuMi TRUST CLUB Cash Back Card as well.
*Site information is provided by Visa Worldwide.
Special Offer Information
A site with special offers for MasterCard members. Includes information about various MasterCard promotions.
● MasterCard Taste of Premium™
Provides a variety of services, including discounts for luxury inns and
restaurants, and other travel-related services.
*This service is only available for SuMi TRUST CLUB Rewards World Card and SuMi TRUST
CLUB Rewards Card.
MasterCard member site (Japanese only)
www.mastercard.com/jp
*Site information is provided by MasterCard.
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Other Services
World Souvenir Delivery Service
Alert Service
Send souvenirs from around the world directly to addresses you
specify. Take your time choosing your souvenirs at home or at your
destination. Orders can be placed online.
Get timely email updates about your registered SuMi TRUST CLUB Card credit card.
●Billing Amount Alert
This service notifies you of your card's billing amount by email. If you
register for this service by end of month, the notice will be delivered to
you via email from the following deduction month.
●Available Regions
*This service is not the same as the e-Statement service.
●Direct Debit Result Alert
●Advantages of the World Souvenir Delivery Service
This service will automatically notify you by email when a payment has
been deducted from your registered financial institution. (The notification day will depend on the registered financial institution.) If you
register for this service at least 2 business days before your monthly
payment is deducted, the notice for current month will be delivered to
you via email.
5% discount
Easy online ordering
Enjoy your trip without
having to carry
souvenirs with you
To request a catalog or make an inquiry (Japanese only)
RH Traveler Corp
4 Advantages of the Alert Service
0120-336-316 (9:30 am to 6:00 pm, closed January 1-2)
*This service is provided by RH Traveler Corp.
*This service is not available for SMBC TB Dollar Card Members.
● Get notifications at the email address you specify, including mobile
phone addresses.
● Helps prevent trouble related to the deduction of payments.
● Helps prevent unauthorized use of your account.
● Lets you manage your household finances more easily.
Flower Service
Order fresh flowers easily by phone or online. Perfect for birthdays
or anniversaries, or when visiting a sick friend or family member.
Please register from Club Online
Club Online
Delivery Date
Flowers will be delivered 3-4 days after ordering. If you wish to
specify a certain date, please order at least 5 days before the
desired date.
Overseas emergency assistance Service
Message
A message of up to 35 characters can be included.
A Japanese language emergency assistance service that provides
telephone support to a Member encountering illness or injury during
overseas travel, no matter where they are in the world.
Doctors are available 24 hours a day to receive medical inquiries
from overseas.
*Delivery may not be available for some remote islands.
Contact the World Flower Service for more information or to place an order
0120-363-087 (Japanese only)
(10:00 am to 5:00 pm, closed Sundays and holidays, can be used from mobile phones/PHS)
● Service Content
From overseas, call
1. Emergency medical consultation with a Japanese physician
2. Interpreting with foreign doctors
3. Introduction of doctors and hospitals
4. Transmission of emergency medical messages to the member’s
home while absent.
5. Various advice related to medical matters
Flower Service website (You can choice English)
*This service is provided by World Flower Service.
*This service is not available for SMBC TB Dollar Card Members.
SuMi TRUST CLUB VISA Platinum Card Special Offers
SuMi TRUST CLUB Card offer special services for SuMi TRUST
CLUB/SMBC TB Platinum Card and Delta SkyMiles SuMi TRUST CLUB
Gold VISA Card/SMBC TB Delta SkyMiles Gold VISA Card.
To use the service, call the Tokio Marine & Nichido Overseas Service Desk
When calling, please state that you are a SuMi TRUST CLUB Card member.
81-3-6758-2460
81-426-32-8746
Orders can also be placed online.
*This service is included with overseas travel insurance (see Page 10).
*This service is for use by people calling from overseas.
Direct examinations are not possible, so it is not possible to provide diagnoses or
instructions for medical care over the phone.
*This service is not available for SuMi TRUST CLUB Cash Back Card Members.
From overseas, call
(as of December 2015)
●United States (and Canada, Brazil, Mexico, etc.) ●Hawaii ●Australia (and New
Zealand) ●Europe ●Guam (and Saipan, Fiji, Tahiti, New Caledonia, etc.)
●Southeast Asia ●China and Hong Kong ●South Korea ●Taiwan ●Japan
(Please collect call)
Please access the SuMi TRUST CLUB Card official website for details
about SuMi TRUST CLUB VISA Platinum Card Special Offers (Japanese only).
*For Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card / SMBC TB Delta SkyMiles Platinum VISA
Card / SuMi TRUST CLUB Platinum Card / SMBC TB Platinum Card member, 81-3-6758-2459
*This service is provided by Tokio Marine & Nichido Fire Insurance Co., Ltd.
●
Hertz Rent-a-Car
●
Get a special SuMi TRUST CLUB Card member discount from Hertz Rent-a-Car.
Get a special SuMi TRUST CLUB Card member discount of 5%
to 20% off or discounted member fees
*Applies to the least expensive applicable fees.
● Examples of regions eligible for discounts: United States (including Hawaii), Guam, Saipan,
Canada, Australia, New Zealand, etc.
Call the Hertz Rent-a-Car Reservation Center to apply
0120-489-882 (9:00 am to 6:00 pm, closed on weekends and holidays)
When making a reservation, be sure to mention your member discount number (CDP-55699)
and present your SuMi TRUST CLUB Card, Japanese drivers license and international drivers
license (if driving overseas) at the sales counter.
7
For SuMi TRUST CLUB/SMBC TB
Platinum Card Members
Please see here
For Delta SkyMiles SuMi TRUST CLUB
Gold VISA Card /SMBC TB Delta SkyMiles
Gold VISA Card Members
Please see here
Rewards Programs
●How to redeem points
SuMi TRUST CLUB Rewards Program
Earn SuMi TRUST CLUB Rewards Point for every 100 yen you spend
on your credit card. Use your points to get cash back, useful coupons,
specially selected rewards or to pay for annual membership fees. You
can exchange points for rewards on the SuMi TRUST CLUB Rewards
Program website. SuMi TRUST CLUB Rewards Point never expire, so
take your time and save up your points.
SuMi TRUST CLUB/SMBC TB Platinum Card
100yen=4 Points
100yen=5 Points
SuMi TRUST CLUB/SMBC TB Gold Card
100yen=3 Points
100yen=4 Points
SuMi TRUST CLUB Rewards World Card
100yen=3 Points
100yen=4 Points
SuMi TRUST CLUB Elite Card
100yen=2 Points
100yen=3 Points
SuMi TRUST CLUB Rewards Card
100yen=2 Points*3
100yen=3 Points
SMBC TB Dollar Card
Step2
Use the SuMi TRUST CLUB Rewards Program website
to redeem your points for rewards.
Step3 Order
Redeem points via the SuMi TRUST CLUB Rewards
Program website, or by telephone using the Interactive
Voice Response systems.
*Only the principal member can redeem SuMi TRUST CLUB Rewards Point.
*Once made, orders cannot be cancelled. Also note that depending on stock status, the
shipping of certain popular products may take some time.
*The rewards that you can select will vary depending on the card you have. We appreciate
your understanding.
*The following items are not eligible for points: annual membership fees, revolving payments,
installment payment fees, or finance-related items such as cash advance, card loan, or
installment loan.
*Points earned by family member will be applied to the principal member’s balance.
*The SuMi TRUST CLUB Rewards Program does not apply to the SuMi TRUST CLUB Cash Back
Card, Delta SkyMiles SuMi TRUST CLUB Gold VISA Card／SMBC TB Delta SkyMiles Gold
VISA Card, Delta SkyMiles SMi TRUST CLUB Platinum VISA Card／SMBC TB Delta SkyMiles
Platinum VISA Card.
Revolving shopping*2
Check your usable points on Club Online or on your
monthly billing statement.
Select your desired reward
●Earn SuMi TRUST CLUB Rewards Point for every 100 yen you spend shopping, etc.
during the month (or for every US dollar in the case of the SMBC TB Dollar Card).
Normal shopping*1
Step 1
Check your point balance
●Easily search and order for the reward of
your choice
Find rewards that fit your lifestyle by choosing at the SuMi TRUST
CLUB Rewards program website from categories like travel, dining,
gift cards and more. Searching by point value or category is simple,
allowing you to quickly redeem your points.
●｢Point + Pay｣Combined Card Payment Service
If you don’t have enough points for the reward you want, you can
pay the remainder with your credit card. This service was created
with the needs of our customers.
*The「Point + Pay」Combined Card Payment Service is managed and operated by our affiliate
Pinpoint pty Ltd.
*The service is not available for SMBC TB Dollar Card Members.
1 US dollar=1Points
*1: Normal shopping covers one lump-sum payment, payment in two installments, one
lump-sum payment at bonus time, and payment in installments.
*2: Spending switched to revolving payment using ‘Switch to revolving payment’ and ETC
Card spending when registered for ‘All revolving’ will earn points at the same rate as
normal shopping.
●Limited Time Offers and Limited Edition Items
We always have limited rewards that can only be ordered via our
website.
●Use Points to Purchase H.I.S.
Overseas Package Tours
Now you can use points to purchase overseas package tours and
search for the package tour you want right on our website. If you
don’t have enough points, use the ｢Point + Pay｣ Combined Card
Payment Service to pay the remainder with your credit card.
*The service is not available for SMBC TB Dollar Card Members.
Visit the SuMi TRUST CLUB Rewards Program website (Japanese only).
Please see here
8
Bonus Rewards Program
[Notes on the Bonus Rewards Program]
●To qualify for the Bonus Rewards Program, your annual spending for the
calculation period must reach the minimum amount stipulated for this
program, and you must pay the annual fees for the following year.
●If you withdraw from your card program or switch to another type of card,
you forfeit any unredeemed bonus points as of the date of withdrawal or
switching.
●Your annual spending total does not include spending from other cards, or
prior to switching to your current card type.
●Your annual spending total is the total amount spent during the calculation
period, and only includes purchases for which the card usage slip is received
by us during the calculation period. Note that, depending on when the card
usage slip arrives, it is possible that a purchase may not be included in the
year’s total, even though the actual card usage date was within the calculation period.
●Calculation and awarding of Bonus Rewards Program points is separate
from normal points. If you have Bonus Rewards Program points, you can
confirm their points on the monthly billing statement delivered in the month
after the month in which your annual fees are deducted.
●This program may be discontinued or changed at any time without advance
notice to members. Note that no points will be awarded after the program
is discontinued in this case.
Only applies to the following Cards: SuMi TRUST CLUB/SMBC TB
Platinum Card, SuMi TRUST CLUB/SMBC TB Gold Card, SuMi TRUST
CLUB Rewards World Card, SuMi TRUST CLUB Elite Card, SuMi
TRUST CLUB Rewards Card
●Earn bonus points according to your annual
spending
Bonus points are awarded in the month following the month in
which the next year’s annual fees are deducted.
Yearly usage of 500,000 yen or more:
Provision of 2,500 Points
Yearly usage of 1 million yen or more:
Provision of 6,000 Points
● Yearly usage of 1.5 million yen or more:
Provision of 10,000 Points
●
SuMi TRUST CLUB/SMBC TB
Platinum Card
SuMi TRUST CLUB/SMBC TB
Gold Card
●
●
Yearly usage of 500,000 yen or more:
Provision of 2,500 Points
Yearly usage of 1 million yen or more:
Provision of 6,000 Points
Yearly usage of 500,000 yen or more:
Provision of 2,500 Points
● Yearly usage of 1 million yen or more:
Provision of 6,000 Points
●
SuMi TRUST CLUB
Rewards World Card
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB
Rewards Card
●
●
●
Yearly usage of 500,000yen or more:
Provision of 2,500 Points
Yearly usage of 500,000yen or more:
Provision of 2,500 Points
●Bonus Rewards Program Calculation Period
Enrollment Month
Annual Card Spending Calculation Period
January
From March payment date to February payment date
of the following year.
February
From April payment date to March payment date of
the following year.
March
From May payment date to April payment date of
the following year.
April
From June payment date to May payment date of
the following year.
May
From July payment date to June payment date of
the following year.
June
From August payment date to July payment date of
the following year.
July
From September payment date to August payment
date of the following year.
August
From October payment date to September payment
date of the following year.
September
From November payment date to October payment
date of the following year.
October
From December payment date to November payment
date of the following year.
November
From January payment date of the following year to
December payment date of the following year.
December
From February payment date of the following year to
January payment date of the year after that.
9
<Table A>
SuMi TRUST CLUB Cash Back Program
Enrollment Month
December
January
February
March
April
May
June
July
August
September
October
November
This program applies only to the SuMi TRUST CLUB Cash Back Card.
A program that allows you to easily get cash back.
●Cash back rate of up to 3%*
Your cash back rate will vary depending on how much you spend
each month.
Monthly cash back
For example,
get 1,500 yen
cash back
for spending
150,000 yen
For example,
get 100 yen
cash back
for spending
40,000 yen
Monthly
Usage
Amount
Annual cash back
For example,
get 3,000 yen
cash back
for spending
200,000 yen
Total annual spending of
at least 500,000 yen
×1.0 %
×1.5 %
Under
50,000 yen
Monthly spending of
200,000 yen or more
×1.5 %
× 0.25%
<Caution>
*Please note that you may not use your SuMi TRUST CLUB Cash Back Card to pay insurance
premiums.
[Notes on the Cash Back Program]
*Cash back rate varies depending on the total card usage for each month.
*Only card usage slips (usage data) that we receive before the deadline each month are eligible.
In some cases, the arrival of card usage slips (usage data) may be delayed.
*Family member spending will be added to the principal member’s spending total.
*Cash back for monthly card usage will be automatically awarded in the month after the deduction
of the balance from your account, provided that you have earned at least 1,000 yen. If you have
earned less than 1,000 yen, the amount will be carried over to the following month until the total
reaches at least 1,000 yen.
*Any amounts equaling less than 1 yen after the cash back amount has been calculated will be rounded down.
*The terms “monthly” and “annual” as used here do not refer to calendar months or years, but
instead are based on card usage closing dates.
*For one lump-sum payments and revolving payment, the amount spent is used to calculate cash back.
*For payment in two installments or one lump-sum payment at bonus time, the amount at the time
of invoicing is used to calculate cash back. For payment in installments, the amount paid minus
any payment in installments fees is used to calculate cash back.
*Only shopping-related card usage is eligible for cash back. The following items are not eligible for
cash back: annual membership fees, revolving payment, fees for payments in installments, or
finance-related items such as cash advance, card loan, or installment loan. In addition, negative
transactions, including refunds due to product returns or tax refunds (including value-added tax)
are not eligible for points.
*If you use “Switch to Revolving Payment” to change from a one lump-sum payment to revolving
payment, you will be awarded cash back for the one lump-sum amount, but will not receive
points for the revolving payment amount.
*Early repayment in whole or in part of a balance that qualifies for cash back will make it not
eligible for cash back.
*Annual cash back is limited to a maximum of 30,000 yen, including annual bonus cash back. The
accumulated cash back amount resets annually. If the cash back amount exceeds 30,000 yen,
cash back will not be made thereafter.
*If you withdraw from SuMi TRUST CLUB Cash Back Card or switch to another type of card, you
forfeit any unawarded cash back as of the withdrawal/switching date.
*Anyone determined to be using this program wrongfully may be required to return any cash back
that they have been awarded.
[Notes on the Bonus Cash Back]
*Bonus cash back is calculated separately from normal cash back and is awarded as Table A.
*Annual bonus cash back is only awarded if the cash-back-eligible usage amount for the Annual
calculation period (determined by the month shown in Table A) totals 500,000 yen or more.
*Annual revolving payment bonus cash back is awarded based on the annual revolving payment
amount for the annual calculation period (determined by the month shown in Table A). Also note
that “Switch to Revolving Payment” usage is not eligible for annual revolving payment bonus
cash back.
Annual Revolving Payment
(Shopping)
Bonus Cash Back
Total annual revolving
payment spending
× 0.25 %
Between 50,000 yen
and 200,000 yen
×1.25%
200,000 yen
or more
Total annual spending of 500,000 yen
or more
× 0.25%
Month of Annual Bonus
Cash Back
January
February
March
April
May
June
July
August
September
October
November
December
■For your first year, calculation will start on the join date included with your card, regardless of
the calculation period shown above.
For example, if you joined on January 1, 2012:
Your card spending calculation for your first year … January 1, 2012 ∼January 17, 2013
Your card spending calculation for your second year …January 18, 2013 ∼January 17, 2014
Annual Bonus
Cash Back
Plus
Card Spending Calculation
Period
12/18 to 12/17 of the following year
1/18 to 1/17 of the following year
2/18 to 2/17 of the following year
3/18 to 3/17 of the following year
4/18 to 4/17 of the following year
5/18 to 5/17 of the following year
6/18 to 6/17 of the following year
7/18 to 7/17 of the following year
8/18 to 8/17 of the following year
9/18 to 9/17 of the following year
10/18 to 10/17 of the following year
11/18 to 11/17 of the following year
Annual revolving payment amount
×1.25%
Cash back rate of up to 3%*
*The maximum cash back per year is 30,000 yen.
●Automatic Cash Back
There’s no need to apply to get cash back – get it automatically the
month after you make your payment. All card usage (shopping)
qualifies for cash back. Cash back is awarded in 1-yen increments as
long as the total amount is 1,000 yen or more. If the total is less than
1,000 yen, it will be carried over to the following month.
●Example of annual bonus cash back
Bonus cash back is calculated separately from normal cash back.
Insurance Services
●Overseas Travel Insurance
This English version of the Announcement shall be for reference purpose only. The Japanese version shall prevail in case of any inconsistency.
○ Insurable cases
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
SMBC TB Delta SkyMiles Platinum VISA Card
You are insured as far as you depart from Japan while your membership is valid regardless of whether you have
paid with your card. *Partially with conditions of use.
SuMi TRUST CLUB/SMBC TB Platinum Card
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles Gold VISA Card
SuMi TRUST CLUB Rewards World Card
SMBC TB Dollar Card
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
The coverage is applicable only when you have paid public transportation※1 or a package tour※2 with your card in
advance.
○ Person Insured
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
SMBC TB Delta SkyMiles Platinum VISA Card
SuMi TRUST CLUB/SMBC TB Platinum Card
・The principal card member and family card member.
・Your non-card holding family member falling into either of the following categories is insured (family rider)
① Spouse of the card member, ② family card members who are sharing living expenses or ③ unmarried child who is
living separately but sharing living expenses with the card member. Family rider covers up to 10 million yen as death /
residual disability benefit.
The other coverage is the same as the ones for the principal card member.
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles Gold VISA Card
SuMi TRUST CLUB Rewards World Card
SMBC TB Dollar Card
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
The principal card member and family card member
※ 1 Public transportation fees: fees and fares for using public transportation operated by applicable organizations based on the Aviation Law, the Railroad Business Law, the Maritime Transport
Law, the Road Transport Law, such as airplanes, trains, ships, buses, and taxis (only used during the trip).
【The following fees are Exception】
Fees related to privately owned cars etc. high-way toll, airport parking fee, airport fee, air ticket issuing fee, car rental fee, airplane charter fee, private shuttle bus operated by multiple hotels
as part of their service, fee for limousine hires based on a blanket contract for a certain period, re-fill of e-money etc.
※2 Package Tour: A tour mapped out by a travel agency who determines a travel destination, schedule, and fees of transportation/accommodation that are provided for a traveler including its cost
that should be paid by a traveler to a travel agency, all of which are planned and advertised in advance, as stipulated in Paragraph 1 of Article 2 of the Section on Package Tour for Subscription per
the Standard Tour Agreement based on Article 12-3 of the Travel Agency Law
10
○Insured period
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
SMBC TB Delta SkyMiles Platinum VISA Card
Automatic addition : Traveling period up to 3months after departing from Japan.
Conditions of use : When you make the payment before starting the trip, the period starts from the time you
leave your home for the overseas travel. On the other hand, when the payment is made after leaving home, the
period starts at the time the payment is made.In either case, the coverage period will end at 12PM (24o'clock) of
the next day of the entry to Japan, but up to 3 months from the date of leaving Japan.
When you make the payment before starting the trip, the period starts from the time you leave your home for
the overseas travel. On the other hand, when the payment is made after leaving home, the period starts at the
time the payment is made.
SuMi TRUST CLUB/SMBC TB Platinum Card
In either case, the coverage period will end at 12PM (24o'clock) of the next day of the entry to Japan, but up to
3 months from the date of leaving Japan. (If you make the payment after leaving Japan, the coverage period will
end 3 months after the payment.)
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles Gold VISA Card
SuMi TRUST CLUB Rewards World Card
SMBC TB Dollar Card
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
When you make the payment before starting the trip, the period starts from the time you leave your home for the
overseas travel. On the other hand, when the payment is made after leaving home, the period starts at the time
the payment is made.
In either case, the coverage period will end at 12PM (24o'clock) of the next day of the entry to Japan, but up to 2
months from the date of leaving Japan. (If you make the payment after leaving Japan, the coverage period will end
2 months after the payment.)
○Coverage
Injury Death
Delta SkyMiles SuMi TRUST CLUB
Platinum VISA Card
SMBC TB Delta SkyMiles
Platinum VISA Card
Residual Disability
Injury / Sickness Medical
Expenses
Personal Liability
Baggage
Rescuer's Cost
100 million yen
(including the followings)
.Automatic addition:
50 million yen
.Conditions of use:
50 million yen
Up to 100 million yen
(including the followings)
.Automatic addition:
up to 50 million yen
.Conditions of use:
up to 50 million yen
Up to 5 million yen
(Automatic addition)
Up to 50 million yen
(Automatic addition)
Up to 1 million yen
(Automatic addition)
Up to 5 million yen
(Automatic addition)
100 million yen
Up to 100 million yen
Up to 5 million yen
Up to 50 million yen
Up to 1 million yen
Up to 5 million yen
70 million yen
Up to 70 million yen
Up to 2 million yen
Up to 30 million yen
Up to 300,000 yen ※1
Up to 1 million yen
30 million yen
Up to 30 million yen
Up to 1.5 million yen
-
Up to 300,000 yen ※1
Up to 500,000 yen
SuMi TRUST CLUB/SMBC TB
Platinum Card
(Conditions of use)
SuMi TRUST CLUB/SMBC TB
Gold Card
Delta SkyMiles
SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles
Gold VISA Card
SuMi TRUST CLUB
Rewards World Card
SMBC TB Dollar Card
(Conditions of use)
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
(Conditions of use)
*The service is not available for SuMi TRUST CLUB Cash Back Card members．
*Your legal heir is the beneficiary in case of death. In other cases, you are the beneficiary on the insurance plan.
※1 Deductible 3,000 yen per accident
●Domestic Travel Accident Insurance
○Insurable cases
Regardless of whether you paid with your card or not, the event falling into the either of the following categories is insured:
*Partially with conditions of use.
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
SMBC TB Delta SkyMiles Platinum VISA Card
Attributed to injury due to accident while traveling on the
public transportation
Attributed to injury due to fire, blowout, explosion while
staying at accommodation
Attributed to injury due to accident while participating
in the prearranged tour accompanying accommodation
Attributed to injury due to accident while traveling on
the public transportation which has been paid with your
card in advance
SuMi TRUST CLUB/SMBC TB Platinum Card
Attributed to injury due to fire, blowout, explosion while
staying at accommodation which has been paid with your
card in advance
Attributed to injury due to accident while participating
in the prearranged tour accompanying accommodation
which has been paid with your card in advance
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles Gold VISA Card
SuMi TRUST CLUB Rewards World Card
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
① Death within 180 days from the date of accident
② Residual disabilities caused within 180 days from
the date of accident
③ Hospitalization as per doctor’s instruction
④ Hospitalization and specific surgery for treatment
of the injury
⑤ Outpatient visit for medical treatment
① Death within 180 days from the date of accident.
② Residual disabilities caused within 180 days from
the date of accident
③ Hospitalization as per doctor’s instruction
④ Hospitalization and specific surgery for treatment
of the injury
⑤ Outpatient visit for medical treatment
Attributed to injury due to accident while traveling on
the public transportation which has been paid with your
card in advance
Attributed to injury due to fire, blowout, explosion
while staying at accommodation which has been paid
with your card in advance
Attributed to injury due to accident while participating
in the prearranged tour accompanying accommodation
which has been paid with your card in advance
11
① Death within 180 days from the date of accident
② Residual disabilities caused within 180 days from
the date of accident
○Person Insured:
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
SMBC TB Delta SkyMiles Platinum VISA Card
SuMi TRUST CLUB/SMBC TB Platinum Card
・The principal card member and family card member.
・Your non-card holding family member falling into either of the following categories is insured (family rider)
① Spouse of the card member, ② family card members who are sharing living expenses or ③ unmarried child who is
living separately but sharing living expenses with the card member. Family rider covers up to 10 million yen as death /
residual disability benefit.
The other coverage is the same as the ones for the principal card member.
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles Gold VISA Card
SuMi TRUST CLUB Rewards World Card
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
・The principal card member and family card member.
・Your non-card holding family member falling into either of the following categories is insured (family rider)
① Spouse of the card member, ② family card members who are sharing living expenses or ③ unmarried child who is
living separately but sharing living expenses with the card member. Family rider covers up to 10 million yen as death /
residual disability benefit.
○Coverage
Injury Death
Residual Disability
Daily hospitalization
benefit ※1
Delta SkyMiles
SuMi TRUST CLUB
Platinum VISA Card
SMBC TB Delta SkyMiles
Platinum VISA Card
100 million yen
(including the followings)
.Automatic addition:
50 million yen
.Conditions of use:
up to 50 million yen
Up to 100 million yen
(including the followings)
.Automatic addition:
up to 50 million yen
.Conditions of use:
up to 50 million yen
5,000 yen
(Automatic addition)
SuMi TRUST CLUB/SMBC TB
Platinum Card
(Conditions of use)
100 million yen
Up to 100 million yen
5,000 yen
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB
Gold VISA Card
SMBC TB Delta SkyMiles
Gold VISA Card
SuMi TRUST CLUB Rewards World Card
(Conditions of use)
70 million yen
Up to 70 million yen
SuMi TRUST CLUB Elite Card
SuMi TRUST CLUB Rewards Card
(Conditions of use)
30 million yen
Up to 30 million yen
Surgery benefit ※2
Predetermined multiplier
(10 times, 20 times, 40 times)
X Daily hospitalization benefit
(Automatic addition)
Daily outpatient visit
benefit ※3
3,000 yen
(Automatic addition)
Predetermined multiplier
(10 times, 20 times, 40 times)
3,000 yen
-
-
-
-
-
-
X Daily hospitalization benefit
*The service is not available for SMBC TB Dollar Card and SuMi TRUST CLUB Cash Back Card members.
*Your legal heir is the beneficiary in case of death. In other cases, you are the beneficiary on the insurance plan.
※1 The insurance benefit covers from day one if the insured remain hospitalized seven days after the accident (for 180 days at maximum provided that the hospitalization falls within 180 days from
the date of accident)
※2 The benefit is payable only to one surgery for one accident.
※3 The insurance benefit covers from day one if the insured continues outpatient visit seven days after the occurrence of the accident (for 90 days at maximum provided that outpatient visit falls
within 180 days from the date of accident)
●Buyer’s Protection
SuMi TRUST CLUB Card offers compensation for damaged or stolen products, which you have paid for with SuMi TRUST CLUB Card. You do not
have to complete any procedures in advance, or pay any premiums. This service covers item purchased in Japan or overseas, and even gifts.
Family card members are also eligible for the same compensation.
○Person Insured: The principal card member, family card member or those who received the product as a gift from these card members.
○Period Covered: The insurance covers damage to the purchase by SuMi TRUST CLUB Card caused by breakage, theft, fire etc within 90 days
from the date of purchase (date of arrival if the item should be delivered)
○Items Covered: Items purchased in Japan and overseas (only overseas for SMBC TB Dollar Card)
Maximum Compensation (per year)
Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card
SMBC TB Delta SkyMiles Platinum VISA Card
SuMi TRUST CLUB/SMBC TB Platinum Card
SuMi TRUST CLUB/SMBC TB Gold Card
Delta SkyMiles SuMi TRUST CLUB Gold VISA Card
SMBC TB Delta SkyMiles Gold VISA Card
SuMi TRUST CLUB Rewards World Card
SMBC TB Dollar Card
5 million yen
SuMi TRUST CLUB Elite Card
2 million yen
SuMi TRUST CLUB Rewards Card
SuMi TRUST CLUB Cash Back Card
500,000 yen
Deductible (per accident)
10,000 yen
*The amount of paid as compensation is computed by deducting 10,000 yen from the amount paid with your SuMi TRUST CLUB Card (or the cost of repair if the item can be repaired).
*A copy of the receipt issued at the time of the purchase of the item with your SuMi TRUST CLUB Card is required when you submit a compensation request.
*Damage to goods incurred while in transit is not covered
Where to call for coverage/details (24 hours a day, 365 days a year)
Where to call after accident (24 hours a day, 365 days a year)
Please contact Call Center
Please contact Tokio Marine Nichido Fire Accident Desk
0120-003-081
045-330-6900
■If you are calling from overseas ...........
81-45-330-6900
■If
you are calling from a mobile phone ......
045-330-6881 (not toll free)
81-45-330-6881 (not toll free)
■If
you are calling from a mobile phone .......
■If
you are calling from overseas ............
0120-828-929
collect call +81-3-6758-2460
(not toll free)
For Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card / SMBC TB Delta SkyMiles Platinum VISA Card /
SuMi TRUST CLUB Platinum Card / SMBC TB Platinum Card member,
0120-508-008
Toll Free
From Overseas (For Overseas Travel Insurance)
Tokio Marine Nichido Overseas General Support Desk (Tokyo)
(not toll free)
For Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card / SMBC TB Delta SkyMiles Platinum VISA Card /
SuMi TRUST CLUB Platinum Card / SMBC TB Platinum Card member, 0120-562-522
(From overseas : 81-3-6758-2459)
*Please be reminded that when accepting an accident report call we cannot tell if the insurance will be paid.
*Please contact us within 30 days from the date of occurrence of the accident. We will advise necessary
documents for your claim.
*Please be reminded that their services are available in Japanese only.
*Please have your credit card number and Telephone PIN ready.
*The above is the summary of the coverage and details of the insurability of each claim shall be based on the terms and conditions of the general
insurance policy and the rider.
12
●Cancel Protection
Cancellation Fee Limits
Pay for a trip, concert or other event with your following card and receive
compensation if the event is cancelled for one of the reasons below.
Eligible cancellation fees are limited to costs related to the provision
of a service to the card member. However, the card member is
unable to receive the service and the card member’s spouse and/or
children are also unable to receive the service, the costs for providing the service to the spouse and/or children will be included.
*This service only applies to the Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card / SMBC TB
Delta SkyMiles Platinum VISA Card / SuMi TRUST CLUB Platinum Card / SMBC TB Platinum Card
/ SuMi TRUST CLUB Rewards World Card.
Compensation
Reason for Cancellation
1
The death of card member,
the card member’s spouse,
or a first-degree relative of
the card member
Delta SkyMiles SuMi TRUST
CLUB Platinum VISA Card /
SMBC TB Delta SkyMiles SuMi TRUST
Platinum VISA Card /
CLUB Rewards
World Card
SuMi TRUST CLUB
Platinum Card /
SMBC TB Platinum Card
Period of Service Provision and
Responsibility for Payment
(Compensation will be paid for
services that are started during the
following time periods, provided that
a cancellation fee must be paid.)
Compensation Limits (*1)
(Per year)
31 days from the day of death,
including that day.
However, in the case of the death of
the principal member, it is not limited to this.
Hospitalization due to Illness or
injury of the card member,
31 days from the day of hospitalization,
including that day.
or a first-degree relative of the
card member
2 the card member’s spouse,
Injury requiring outpatient
3 treatment of the card member, 7 days from the start of outpatient
the card member’s spouse,
or the card member’s child
For more details, please see the SuMi TRUST CLUB Card official
website or check the Insurance Service Guide(Japanese only).
care, including that day.
200,000
yen
100,000
yen
60,000
yen
30,000
yen
Reception desk for cancel protection inquiries or to report an accident
<Hours of Operation>
▪Inquiries about coverage: 24 hours a day, 365 days a year
▪To report an accident: 10:00 am to 5:00 pm weekdays, closed weekends and holidays (Japanese only)
Please contact Call Center
0120-003-081
045-330-6900 (not toll free)
81-45-330-6900 (not toll free)
■If
you are calling from a mobile phone ......
■If
you are calling from overseas ...........
For Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card / SMBC TB Delta SkyMiles Platinum VISA Card /
SuMi TRUST CLUB Platinum Card / SMBC TB Platinum Card member,
*1: However, the total compensation provided for reasons 1-3 above during a single year shall not
exceed 200,000 yen for Delta SkyMiles SuMi TRUST CLUB Platinum VISA Card / SMBC TB Delta
SkyMiles Platinum VISA Card / SuMi TRUST CLUB Platinum Card / SMBC TB Platinum Card
100,000 yen for SuMi TRUST CLUB Rewards World Card.
*Deductible (per incident): 1,000 yen or 10% of the cancellation fee, whichever is higher. If any
compensation from a third party is given for the cancellation fee, that amount will be deducted
from the amount of damages suffered by a card member.
*The recipient of the compensation is a card member.
0120-508-008
045-330-6881 (not toll free)
81-45-330-6881 (not toll free)
■If
you are calling from a mobile phone .......
■If
you are calling from overseas ............
*Be sure to have your card number and T-PIN ready when calling.
*Please note that questions about whether or not it will be possible to pay compensation
cannot be answered by the accident reception desk.
Events and Services Eligible for Compensation
▪ Services based on travel reservations in Japan or international
travel reservations
▪ Provision of lodging at inns, hotels or other facilities, and any
incidental services
▪ Transportation of travelers via airplane, ship, train, automobile, etc.
▪ Provision of facilities for banquets or parties, and any incidental services
▪ Teaching or instruction in exercise or cultural activities (including
attendance thereof) or the provision of a facility for the same
▪ Performance, screening, exhibition or showing of a play, musical
performance, artwork, film, etc.
*Compensation cannot be provided if an eligible event or service is related to the performance of
a card member’s job.
*The above is the summary of the coverage and details of the insurability of each claim shall be
based on the terms and conditions of the general insurance policy and the rider.
Financial Services
Cash Advance & Card Loan
Applying by telephone
Interactive Voice Response System : 0120-003-081
Cash advance:
Make one principal payment and two interest payments, making it
convenient for short-term borrowing.
Card loan:
Revolving payment within your total credit line. Use it responsible
when you need a large amount of money at once.
*Be sure to have your card number and T-PIN ready when calling.
*Only the card member can apply by phone or online. Family card member cannot apply. Also
note that this service cannot be used if your card payment account is a Japan Post Bank account
or a securities account.
*If you apply by phone or online, you cannot use cash advance or card loan via an ATM until the
deposit is complete.
Using your card at an affiliated ATM
●Use in Japan
It’s easy to use your card at an affiliated financial institution’s ATM.
To get a cash advance, press the “Cash advance” button. To use a
card loan, press a button labeled “Card loan” “Installment” or
“Revolving Payment.”
Use your card at ATMs located at affiliated financial institutions,
Japan Post Bank locations, major department stores, shopping
centers, supermarkets, and convenience stores, or apply Club Online
or over the phone. Funds will be transferred to your SuMi TRUST
CLUB Card payment account.
* When using a CD/ATM terminal, Card Members shall incur the applicable handling charge
specified by TRUST CLUB which shall not exceed the maximum rate as defined in Article 2 of the
Interest Rate Restriction Act Enforcement Ordinance.
*Depending on the day of the week, time of day, type of ATM and type of store, there may be
additional fees such as an after-hours fee, it may not be possible to perform a transaction, or
there may be limits to the amount that can be withdrawn (SMBC Trust Bank ATMs can only be
used for cash advance).
* ATMs at certain financial institutions may not offer cash advance and card loan, or may only offer
one or the other.
*Convenience store ATMs may not be available in all regions or in all stores.
* Please be reminded that Seven Bank temporarily suspended ATM service of some overseas
issued cards (Master Card, Maestro Cirrus) effective on April 19. 2013.
Online/phone usage times and date of transfer
Application Time
Transfer Date
Weekdays from 12:00 am to 5:59 pm
Next business day
Weekdays from 6:00 pm to 11:59 pm,
and during weekends and holidays
Two business days later
● Use overseas (Cash Advance Only)
Applying online
▪Use at an affiliated ATM with one of the following logos.
Club Online
Visa card
member
Sign on > Cashing & Loan > Follow the prompts to apply
On the SuMi TRUST CLUB Card official website you can simulate
your monthly payment amount and number of payments.
*Simulation results are for reference purposes only. Actual repayment dates may differ due
to holidays, etc., so please use it only as a guide.
13
MasterCard
member
●Terms of use
Loan Increase
Rate (Actual
Annual Rate)
Total credit line
for cash advance
and card loan
Payment Plan
Repayment
Period/Number
of Payments
Cash Advance
Card Loan
15.0% ~ 20.0%
(not exceeding the limit
of interest prescribed
under the Interest Rate
Restriction Law)
15.0% ~ 18.0%
(not exceeding the limit of interest prescribed
under the Interest Rate Restriction Law)
*Cash advance and card loan use the same credit Line. Family card member can use cash advance
and card loan within the card member’s credit Line.
*Cash advance/card loan credit Line are set based on the requirements of the Money Lending
Business Law, but may require the submission of documents proving income, etc. You can check
your cash advance/card loan credit Line on the documentation that was sent to you when you
card was issued, or on your monthly card billing statement.
*Use must be in 10,000-yen increments. Increments for cash advance made overseas will depend
on the local ATM or financial institution.
*See the Terms and Conditions for monthly payment amounts for the Variable
Amount Plan.
*If you select the Fixed Amount Course, you cannot switch to the Variable Amount Plan. We advise
members who have selected the Variable Amount Plan switch to a Fixed Amount Plan that will
reduce the number of payments.
*Cash advance, card loan, telephone cash advance or card loan, or online cash advance or card
loan are not available for SMBC TB Dollar Card Members.
Amount, not exceeding 3,000,000 yen as examined and
determinated by TRUST CLUB
Principal payable in one
lump-sum and interest
payable in two
installments
50 - 87 days
(Depending on the
calendar year) /
2 payments
Delinquency Charge
(Actual Annual Rate)
●Fixed Amount Plan
Installment Loan
(Fixed amount of principal payment, or fixed amount of
principal payment concurrent with payment at bonus time)
●Variable amount plan (Amount of principal
Relaxed, unsecured loans created especially for SuMi TRUST CLUB
Card members
depends on balance)
The payment period and number of payments vary
depending on the Loan Balance and type of payment
until the principal and interest are fully paid.
●Fixed amount of principal: Amount of Loan:¥100,000
Fixed amount of monthly principal payment:¥20,000
Six payments over 6 months period
●Fixed amount of principal concurrent with payment at
bonus time: Amount of Loan:¥500,000 Fixed amount of
monthly principal payment:¥20,000 Additional principal
payment at bonus time: ¥10,000 24 payments over
24 months period
●Variable amount of principal depending on the Loan
Balance: Amount of Loan:¥50,000 35 payments over
35 months (amount of principal depends on balance)
● SuMi
TRUST CLUB/SMBC TB
Gold Card
TRUST CLUB
Rewards World Card
Education Loan
● SuMi
TRUST CLUB Rewards Card
Multipurpose Loan
●SuMi
TRUST CLUB Elite Card
Education Loan
● SuMi TRUST CLUB Cash Back Card
Actual Annual Rate of 8.1%
Actual Annual Rate of 6.6%
Actual Annual Rate of 9.9%
Actual Annual Rate of 8.1%
*This service is not available for SMBC TB Dollar Card Members.
*See the SuMi TRUST CLUB Card official website for details.
Sumitomo Mitsui Trust Club Co., Ltd., Kanto Local Finance Bureau (4) No. 01376
Japan Financial Services Association Member No. 003077
Annual rate of 14.6％
Collateral/Guarantor
Multipurpose Loan
● SuMi
Please contact the following for dispute resolution in relation to money lending
businesses (the designated organization for dispute resolution with which TRUST
CLUB contracts.)Japan Financial Services Association, Money Lending Business
Consultation and Dispute Resolution Center
3-19-15 Takanawa, Minato-ku, Tokyo, 108-0074 Japan Tel: 03-5739-3861
Not required
How to Use Your Card
First Sign the Back of Your Card
●E-commerce Merchants
When making a purchase via E-commerce Merchants, carefully check
the purchase amount, shipping, etc. before using the method specified
by the merchants to complete your purchase.
Please check if all the information on your card is correct, and sign the
back of your card.
●Be sure to enter the correct expiration date
*Please note that you shall be liable for fraud usage of the card if your signature was not on the
back of the card.
*The magnetic stripe on the card contains necessary information. Do not place your card near
televisions or other strongly magnetized objects.
Carefully check your card and enter the correct expiration date. Your
expiration date will change each time you are issued a new card. If
you have stored your card information on a website, you should
periodically check to make sure that the stored expiration date is the
current one.
▪Magnetic tape that stores card information Be careful not
to bend your card or expose it to magnetic fields.
▪A Member must sign the card here.
*Pay attention the month and year of the expiration date.
*If you do not enter the expiration date or you enter an incorrect date, the credit card company
may not approve your purchase.
Japan Consumer Credit Association
●In some cases, the security code
The back of the card must be signed.
will also be required.
■ Cards that are not signed by its Member cannot be used.
■ Only its Member may use the card.
When using your card to make purchases online or at E-commerce
Merchants, you may be required to supply a security code in addition
to your card number and expiration date.
●Storing/managing Your Card
Always exercise the utmost care when using and managing your
credit card.
What is a security code?
The security code is printed on the signature panel on the
back of your card. The last three digits of the number
printed in the signature panel is your security code.
●Annual membership fees
<Important> The annual membership fee already paid shall not be
refunded in principle on the ground of withdrawal or cancellation of
the Membership or for any other reasons whatsoever.
*If your card number or expiration date changes when updating or reissuing your card, your
security code will also change.
*Overseas merchants may refer to the security code as the CVC, CVV, CVV2, or card verification
number.
*Merchants that require a security code will send the code to the credit card company when
requesting a purchase authorization. If you do not enter the security code or enter an incorrect
code, the credit card company may not approve your purchase.
How to Use Your Card at Merchants
●Overseas Merchants
Your card can be used at Visa/MasterCard merchants in Japan and
overseas.
While the basic concept is the same as when using your credit card in
Japan, please note that in some cases the amount charged may be
different from the amount on your receipt, such as if you consume
items from the refrigerator in your hotel room or if you fail to fill up
the gas tank when returning a rental car.
*SMBC TB Dollar Card cannot be used at merchants in Japan.
●Domestic Merchants
*Note that gambling and the purchase of lottery tickets overseas is prohibited by law, and people
doing so may be punished.
*At merchants in some EC and Asian countries where IC card terminals are common, you may be
asked for a PIN to authenticate an IC card purchase. However, the cards issued by Sumitomo
Mitsui Trust Club use magnetic stripes rather than IC chips, so it is not necessary to enter a PIN.
Also note that a terminal that is compatible with magnetic cards is required to make a purchase
with a Sumitomo Mitsui Trust Club credit card.
To pay, present your card at the Visa/MasterCard merchants. You will be
given a slip that shows the usage date and amount, so check its
contents and sign it using the same signature you used on your card.
You will then be given a receipt. Please store the receipt in a safe place.
*In some cases, such as when using JR ticket vending machines, you may be required to enter a
PIN to verify your identity.
14
●Additional fees (surcharges)
●Requesting a Credit Line Increase
In some countries, merchants are allowed to add an additional fee (a
surcharge) to people paying by credit card. When making a purchase
in one of these countries, please check whether there are any
surcharges before signing. Note that after you have signed, we are
unable to refund any surcharges.
Applying Online
Club Online
Sign on > Account Settings / Check > Credit Line - Permanent Credit Limit Increase
●Charges in Japanese yen
Applying by Telephone
at overseas merchants
Interractive Voice Response System : 0120-003-081
If calling from a mobile phone call 045-330-6900
In some cases when shopping overseas, an amount in Japanese yen
calculated using the merchant’s own rate will be included on your
receipt in addition to the amount in the local currency. When this
occurs, if you do not tell the merchants that you do not want to pay
in yen, the charge data will be sent from the merchants to the
Visa/MasterCard payment center in yen, and currency conversion will
not occur at the payment center.
*Be sure to have your card number and T-PIN ready when calling.
*Please note that depending on the results of the review, it may not be possible to accommodate
your request.
Method of Payment
●One lump-sum payment
INFORMATION
This is the normal payment method, and will be used if you do not
specify another method when using your card at a merchants.
♦Authorization From Merchants
When using your card at a merchants, depending on the purchase amount and the
conditions when using your card (such if you have exceeded your credit Line), the
merchants may request an authorization from the credit card company, who will
then tell the merchants whether the card can be used or not.
●Payment in two installments*
The purchase amount will be divided in two, and you will pay one half
the month after the closing date and the other half the month after
that.
♦Yen Conversion for Overseas Spending
Overseas credit card spending does not use the conversion rate from the day
that the card was used. Instead, when the data arrives from the affiliated
international organization to the payment center, it will be converted to yen using
the rate specified by the affiliated international organization, plus a processing fee
of 2.0% to 2.5% (overseas cash advance do not include a processing fee).
●One lump-sum payment at bonus time*
With this method, you pay the entire amount at your bonus time.
*SuMi TRUST CLUB Cash Back Card: 2.5% *Other cards: 2.0%
*When using the SMBC TB Dollar Card to make purchases in currencies other than the
US dollar, the purchase amount will be converted to the US dollar with an added
processing fee of 1.63%.
Summer
Pay in August for purchases made from December 18 to June 17
Winter
Pay in January for purchases from July 18 to November 17
*There is no fee.
*May not be usable at all merchants. The usable time period and amount of money varies from
store to store, so please ask when making a purchase.
*This cannot be used overseas.
*Using the payment in two installments and one lump-sum payment at bonus time payment
methods requires a revolving shopping credit Line and any spending must be within this Line.
*This service is not available for SMBC TB Dollar Card Members.
Closing Date and Payment Date
●Closing date
Revolving Payment
This is the deadline for sales data from merchants to arrive at
Sumiromo Mitsui Trust Club.
With revolving payment, regardless of the amount or number of purchases,
your monthly payment will be about the same. Fees are charged based
on your balance of revolving payment. Spending must be within your
revolving shopping credit line.
*The closing date is the 17th of each month (or the closest preceding business day if the 17th falls
on a weekend or holiday).
●Payment date
(1) Who can use it
The payment date is the date by which a Member must pay their
outstanding balance of use. If the closing date falls on the 17th of the
month, the payment date will be the 10th of the following month
(depending on the financial institution, this may be the 8th). If the
payment date is not a business day for financial institutions, the next
business day will become the payment date. The closing date and
payment date cannot be specified or changed by a Member.
card member and family card member
*Revolving payment is not available for SMBC TB Dollar Card Members.
(2) How to use it
You must choose a revolving payment course when you become a
Member.
*You can check your closing date and payment date on the “SuMi TRUST CLUB Card carrier” sent
with your card or on your monthly billing statement.
*Please note that depending on your financial institution, another name may be used on your
monthly billing statement, such as “Mitsui Sumitomo Card” or “Cedyna.”
*If your monthly billing statement cannot be paid due to insufficient funds in your payment
account, you may be temporarily unable to use your card.
*Please note that charges may be delayed due to factors related to merchants processing of card
usage slips.
*If your payment account is a securities account, the closing date will be the 17th of each month.
Courses
Merchants in Japan
Merchants outside Japan
All Revolving (*1)
Revolving payment only
Revolving payment only
Select Revolving (*2)
(Type A)
Select Revolving
(Type B)
One lump-sum payment, one lump-sum
payment at bonus time, revolving payment, Revolving payment only
payment in two installments, and payment
in installments.
One lump-sum payment, one lump-sum
One
payment at bonus time, revolving payment,
payment in two installments, and payment lump-sum payment only
in installments.
*To a Member who does not select one of the above courses at the time of membership
application, "Select revolving (Type B)" shall be automatically assigned.
*A Member who have selected “All Revolving” cannot use payment in installments.
*1: If you have selected “All Revolving” your spending must be within your revolving shopping
credit line. If you have exceeded your revolving shopping credit line, or if your revolving
shopping credit line has been set to 0 yen due to your usage status, credit status or as the result
of an investigation during card renewal as mandated by the Installment Credit Sales Law, you
cannot use your card for “All Revolving”. If you set the “Select Revolving” payment course Club
Online or over the phone, you will be able to use your card starting on the following business day.
*2: Due to system-related limitations at overseas merchants and some domestic merchants, card
use in Japan may be recognized as “overseas use” on card use overseas may be recognized as
“domestic use.” If you want to change your payment method, please contact our call center.
Total Credit Line
Each member has a credit Line, which includes spending from any
family member. Your total unpaid card spending must be within your
credit Line. If you have multiple SuMi TRUST CLUB Card credit cards,
your card usage for all of them will be added together (with some
exceptions, such as Commercial Card). In addition, all card usage for
the payment in two installments, One lump-sum payment at bonus
time, revolving payment (including Switch to Revolving Payment), and
payment in installments payment methods must be within your revolving shopping credit line.
●Using Select Revolving
1. Specify at the store
At compatible stores in Japan, you can specify that you want to use
revolving payment.
2. “Switch to Revolving Payment”
Even after you have used your card with the one lump-sum payment
or one lump-sum payment at bonus time payment options, you can
go Club Online or call to switch to revolving payment.
15
(3) Payment Plans (Payment Date)
(7) “Switch to Revolving Payment” Application Deadline
The closing date is the 17th of each month (or if this is a weekend or
holiday, the first preceding business day). The payment date is the
10th of the following month (depending on the financial institution,
this may be the 8th, if this is a weekend or holiday, the first preceding business day). By this date, the amount of principal payable in
each month and fee accured must be paid by direct debit, along with
your normal card spending.
The deadline for applying for “Switch to Revolving Payment” is the
17th of each month. However, if either A or B below applies to you,
applications may be made until the deadlines below.
B
(4) Principal Payment
There are two courses that you can select depending on your needs:
a fixed amount plan where you make a set principal payment, and a
variable amount plan where of use the principal payment varies
depending on your balance of use.
Fixed amount plan
(fixed amount of monthly
principal payment)
¥50,000 or less Amount designated
by a Member in
¥100,000 or less advance between
¥250,000 or less ¥10,000 and
50,000 (in units of
¥350,000 or less ¥10,000)
¥500,000 or less The amount between
¥20,000 and 50,000
¥750,000 or less (in units of ¥10,000),
for Members with
¥1,000,000 or less revolving shopping
For every additional credit lines exceeding
¥500,000
¥1,000,000 thereafter
Fixed rate plan
(fixed rate on
principal)
5% of the
Balance of Use.
(Or ¥10,000,
if the Balance
of Use is less
than ¥10,000)
Variable Amount Plan
(Amount of principal
depends on balance)
¥1,500
¥2,500
¥5,000
¥10,000
¥15,000
¥20,000
Additional
¥20,000
<Notes on the Using “Switch to Revolving Payment”>
*If the merchants cancels or adjusts the amount of a transaction after it has been switched to
revolving payment, or if a transaction that has been canceled or adjusted by merchants is
switched to revolving payment, the revolving payment for that transaction will not reflect the
cancellation or adjustment. If this applies to you, please contact our call center immediately.
*If the usage data for a transaction that is sent from merchants to the credit card company has not
yet arrived at Sumitomo Mitsui Trust Club, it is not possible to switch it to revolving payment. It
can be switched once the usage data has arrived.
*Items for which revolving payment cannot be used (cash advance, card loan, insurance charges
and annual membership fees) and purchases at certain merchants where revolving payment
cannot be used (such as beauty salons, computer schools, and language schools) cannot be
switched to revolving payment.
To change your revolving payment plan, your principal payment amount,
or to switch to the variable amount plan, contact our call center.
0120-003-081 (24 hours a day, 365 days a year)
If using a mobile phone call
Payment in installments
With this payment method, you can pay in a number of installments
you specify, within your revolving shopping credit line. It’s a convenient option when making large purchases. To use it, simply mention
that you want to pay in installments at merchants.
Number of payments
(6) Payment examples
Choose from 3, 5, 6, 10, 12, 15, 18, 20, 24, 30 or 36 payments.
If you spend 60,000 yen with revolving payment (shopping) on June 2:
Payment course: Fixed amount plan (Fixed amount of principal), 20,000 yen
(fixed) monthly principal payment Revolving payment fee rate (Actual
Annual Rate): 15.0% /Payment date: 10th
Fee
Fees depend on the number of installments. Please refer to the chart
below.
Verify the information below.
7/10 Payment date
8/10 Payment date
9/10 Payment date
10/10 Payment date
First payment
Second payment
Third payment
Fourth payment
(principal payment only)
yen
yen
(fee
only) 189 yen
20,673
20,443
20,000 yen
6/17 Closing date
7/17 Closing date
8/17 Closing date
9/17 Closing date
6/2
6/5
Spend
Sale
60,000 yen received
Blance of Revolving Blance of Revolving
Payment
Payment Blance of Revolving Blance of Revolving
Payment
Payment
40,000 yen
40,000 yen
20,000 yen
20,000 yen
(calculation period for
second payment fees)
Second Payment
Monthly
Payment Principal
Date
Payment
August
10
20,000 yen
7/18~8/9
8/10~
8/17
(calculation period for
third payment fees)
Fee
Number of
Payment
3
5
6
10
12
15
18
20
24
30
36
Payment Period
(months)
3
5
6
10
12
15
18
20
24
30
36
Actual
Annual Rate (%) 10.77 11.92 12.24 12.88 13.03 13.16 13.23 13.25 13.27 13.24 13.17
8/18~9/9
(calculation period for
fourth payment fees)
Fee Calculation
045-330-6900
*Be sure to have your card number and T-PIN ready when calling.
*There is no fee due for the period between when we receive your usage data and the first closing
date.
*If the closing date falls on a weekend or holiday, the closing date will become the closest
preceding business day. However, fees must be paid for the period up until the day before the
next business day after the closing date.
7/10~
7/17
8 business days before the
payment date/before 18:00
<Notes on the Revolving Payment>
*In some cases you may not be able to use revolving payment, such as if your revolving shopping
credit line has changed due to your usage status, credit status or as the result of an investigation
during card renewal, as mandated by the Installment Credit Sales Law.
*Revolving payment may not be available depending on your card usage status, etc.
*Revolving payment cannot be used for cash advance or card loan, interest, monthly revolving
payment, annual membership fees, or insurance charges.
*Revolving payment may not be used at some merchants such as beauty salons, computer
schools, or language schools.
*If a revolving payment transaction exceeds your revolving shopping credit line at the time it is
processed, the entire amount will become a one lump-sum payment.
¥7,500
Payment Date: Revolving payment spending closes on the closing date each
month, after which the fee on the balance of use for the period starting on the
business day immediately after the closing date and ending on the following
month’s closing date is calculated using a daily rate based on 365 days a year
(or 366 days for a leap year) and then added to the principal payment, the total
of which is due on the next payment date.
6/18~7/9
Tokyo Mitsubishi UFJ Bank, Mitsui Sumitomo Bank,
Mizuho Bank,Risona Bank,Saitama Risona Bank,
Japan Post Bank Company, Shinsei Bank,
Bank of Yokohama and Tokyo Star Bank
●
Fee Rate (Actual Annual Rate)
・SuMi TRUST CLUB Platinum Card, SuMi TRUST CLUB/SMBC TB
Gold Card, SuMi TRUST CLUB Rewards World Card−12.0％∼18.0％
・SuMi TRUST CLUB Elite Card, SuMi TRUST CLUB Rewards Card, SuMi
TRUST CLUB Cash Back Card−13.2%~18.0%
<Important>TRUST CLUB may change the Standard Rates on the
ground of changes in the financial climate or any other circumstances.
After the notification by TRUST CLUB to Members of the change of
Standard Rates, the new Standard Rates shall apply to the Balance of
Use of revolving payments and installment payments, or the Loan
Balance of lending under Financial Services (collectively, the
"Balance") as at the time of the said notification, which Members
accept without objection.
Fee
Calculation
4 business days before the
payment date/before 18:00
●
(5) Fees
Balance
of use
SMBC Trust Bank
*If the application deadline falls on a weekend or holiday, the application deadline will be the
closest preceding business day.
*Applications made on or after the closing date (the 17th) will not be reflected in the monthly
billing statement issued at the end of the month. Also note that the transaction will be charged
as revolving payment starting on the payment date in the month after the next.
●How to use “Switch to Revolving Payment”
Apply via Club Online
Apply via our Interactive Voice Response system
You can use either method to switch eligible card transactions to revolving payment. Use the
“Revo Number” displayed on your monthly billing statement to switch the desired transaction
to revolving payment.
*For the fixed amount plan and the variable amount plan, if the above stated principal amount is
less than 1% of the Balance of Use, 1% of the Balance of Use shall be the principal amount
payable. (Example: If the Balance of Use under the fixed payment plan with the monthly
principal payment of ¥20,000 is ¥3,000,000,the amount of principal payable shall be ¥30,000
that is 1% of ¥3,000,000.)
*If the principal amount falls below the amount designated by a Member, the principal amount
payable shall be the whole of the Balance of Use.
*A new use of the fixed rate plan or a switch from any other plan to the fixed rate plan shall not
be permitted
Blance of Revolving Blance of Revolving
Payment
Payment
60,000 yen
60,000 yen
Application Deadline
A
*You can also make payments at any time separately from your monthly payment on the 10th of
each month. You can also make an increased payment at your bonus time. Please contact our
call center for details.
Balance of Use as
at the Closing Date
Financial Instifutions
Amount(¥)of
fee per cash
price(amount
of use)of ¥100
Payment
6 /18 to 7/ 9
(Principal of 60,000 yen x
15.0% x 22 days÷365 days)
20,673 yen
673 yen 7/10 to 7/17
(Principal of 40,000 yen x
15.0% x 8 days÷365 days)
1.8
3.0
3.6
6.0
7.2
9.0 10.8 12.0 14.4 18.0 21.6
*In the case of installment payment concurrent with payment at bonus time, the actual annual rate
may vary.
*Members who select "All Revolving" payment plan shall not be entitled to pay in installments.
16
Managing Your PIN
Increased payment at bonus time
In addition to your monthly payments, make an increased payment
at your bonus time.
A bonus time payment months are as follows:
January/July
January/August
Each card has two identification numbers set for it: a PIN and T-PIN
●Terms of use
February/August
Payment example
Purchase of a computer costing 300,000 yen over 10 installments
Cash Price (usage amount)
Installment fee
Payment amount
Installment payment
(monthly payment)
300,000 yen
18,000 yen (300,000 yen x 6.00 yen÷100 yen)
318,000 yen
Your PIN is used to when using cash advance or card loan at
financial institution or ATMs, when making credit card calls
(unless placed through an operator), for automated ticket
vending machines, and more.
T-PIN
A T-PIN is required for using our call center’s Interactive Voice
Response system.
*For your protection these numbers are set by Sumitomo Mitsui Trust Club Japan and sent to you
separately from your credit card. Please note that these numbers cannot be given out over the
phone, and neither will anyone from Sumitomo Mitsui Trust Club ask for them over the phone.
31,800 yen (318,000÷10 payments)
●Use care when managing your PINs
*Due to rounding, the Actual Annual Rate may be different from the above.
*Installment payments round down any amounts under 1 yen, and these are included in the first
payment.
*Options may differ depending on the merchant. Please check when making a purchase. In
addition, paying in installment may not be available at some merchants.
*The fee rate (Actual Annual Rate) is subject to change due to financial conditions and other
reasons.
*Payment in installments is not available for SMBC TB Dollar Card Members and Members who
have selected “All Revolving”.
You shall not set your PIN or T-PIN that could easily detected, such as
the date of birth or telephone number. Please note that if a third
party should discover your PIN through loss or theft you will be liable
for any damages caused by unauthorized use of your card.
●Changing your PIN or T-PIN
Safety Tips
Online
Club Online
Always be sure to check your monthly billing statement against the
receipts for your purchases. If you notice a charge on your monthly
billing statement that you do not recognize, inform our call center
immediately. We will promptly investigate the matter.
Also be sure to read the Terms and Conditions. It contains important
information about using your card, making payments, what to do if
your card is lost or stolen, how to reissue a card, registering with
and using consumer credit information agencies and more.
<Important: Responsibility of the Card User> If TRUST CLUB
suspects an unauthorized use by a third party or possibility thereof
with respect to any Card, TRUST CLUB may cancel the Card and
issue a replacement. Even if the card or card information is used
against the Terms and Conditions, a Member will be responsible for
paying for any damages caused. Even in the case of counterfeit
cards, if a Member is at fault through either their intention or error,
a Member will be liable for paying for any damages caused.
<Important> If a Member uses the card after Sumitomo Mitsui Trust
Club has made a public announcement of changes to the Terms and
Conditions, the use of the card signifies acceptance of those
changes.
Interactive Voice Response System
0120-003-081(9:00 am to 10:00 pm, 365 days a year)
If using a mobile phone call
045-330-6900
*Be sure to have your card number and T-PIN ready when calling.
*You cannot set both your PIN and T-PIN to the same number. In addition, for your safety it is
not possible to select the kinds of numbers described below.
1. Your birthday 2. The same numbers as in your home or work telephone number
3. Repeated numbers such as 0000 or 9999
*You can also change your PIN and T-PIN using the Club Online.
●If you forget your PIN or T-PIN
To request your PIN and T-PIN, a Member must call our Call Center
and use the Interactive Voice Response System. Once the call center
staff has received the request, you will be notified by mail at a later
date.
Online
Club Online
If Your Card Is Lost Or Stolen
If your card should be lost or stolen, promptly contact our call center
and report to the police.
Interactive Voice Response System
0120-003-081(24 hours a day, 365 days a year)
If using a mobile phone call
1. Promptly contact our call center (open 24 hours a day, 365
days a year)
2. Report it to the nearest police station (or local police station,
if outside Japan)
3. After processing, you will be sent a new card
*If you are overseas and wish to receive an emergency card in the country where you are staying,
please should indicate this when notifying the call center.
*Depending on the card’s usage status and the region where you are, it may not be possible to
issue an emergency card.
*You shall be liable for fraudulent usage of the card if your signature was not on the back of the
card. Please be careful to protect your card and your PIN. You are liable for all damages caused
by transaction with input of PIN.
Contact our call center to report lost or stolen cards
<In Japan>
PIN
0120-003-081(open 24 hours a day, 365 days a year)
If calling from a mobile phone call 045-330-6900
(only for reporting lost or stolen cards)
<When placing a collect call with an operator from overseas> 81-45-330-6901
(only for reporting lost or stolen cards)
17
045-330-6900
Options
Family Card Member
e-Statement (Online Billing Statement)
Supports family card member with the same services provided to the
principal member.
After your monthly billing statement has been prepared, we will send
an email to your registered e-mail address saying that it is ready for
viewing. You can view your monthly billing statement after signing in
to Club Online.
● How to Apply
Applying Online
3 Advantages of e-Statement
● Save them all in one place on your computer, making it easier to
manage your expenses.
● Check your monthly billing statement faster than if it were sent
by postal mail.
● Help the environment by going paperless.
Club Online
Sign on > Service Requests > Document request > Follow the instructions to apply
Applying by Telephone
Call center 0120-003-081
How to Register
If using a mobile phone call 045-330-6900
*Be sure to have your card number and T-PIN ready when calling.
Club Online
*Please note that depending on screening results , it may not be possible to accommodate your
request.
Sign on > Account Settings > e-Statement Enrollment
*Before registering, you must read and agree to the Terms of Use of e-Statement Service found on
the SuMi TRUST CLUB Card official website.
SuMi TRUST CLUB ETC Card
ETC Cards with IC chips help you to use toll roads more smoothly,
helping you enjoy life with your car.
SuMi TRUST CLUB Card
official website
*An ETC Card and in-vehicle device are required to use ETC.
*In-vehicle devices may be purchased at stores such as car accessory shops or car dealerships.
*Some types of vehicles may not be compatible with in-vehicle devices, so be sure to ask at your
dealer.
*Only the principal member may register for e-Statement.
*Monthly billing statements may still be sent by postal mail if it is deemed necessary.
Terms and Conditions
(at left of the screen)
Terms of Use of
e-Statement Services
SuMi TRUST CLUB ETC Card: Free
*An ETC Card cannot be added to the SMBC TB Dollar Card.
*A simple screening process is required to issue a SuMi TRUST CLUB ETC Card.
*Your SuMi TRUST CLUB ETC Card will arrive approximately 10 days after you apply. However,
during time periods such as the Japanese New Year holidays, Golden Week, and the Obon
holidays, it may take up to 3 weeks for your card to arrive.
*Only one SuMi TRUST CLUB ETC Card may be issued per SuMi TRUST CLUB Card.
*ETC Card usage will be paid for using your SuMi TRUST CLUB Card.
After you have applied, your SuMi TRUST CLUB ETC Card will be sent
to your registered mailing address.
Applying Online
Club Online
Sign on > Service Requests > Campaign Registration > SuMi TRUST CLUB ETC Card
Use our Interactive Voice Response System to apply
0120-003-081 (24 hours a day, 365 days a year)
If using a mobile phone call
045-330-6900
*Be sure to have your card number and T-PIN ready when calling.
Registration: Kanto Local Financial Bureau (4) No.01376
日本貸金業協会会員 第003077号
A member of the Japan Financial Services Association (No.003077)
SUMITOMO MITSUI TRUST CLUB CO., LTD.
Triton Square Tower X, 8 -10 Harumi 1- chome, Chuo-ku, Tokyo 104-6036, Japan
18
15C-2719-201512