https://mlipay.jp/en/tags/students/Recent content in Students on MLI PayHugo -- gohugo.ioenMLI PaySat, 14 Feb 2026 13:15:00 +0900https://mlipay.jp/en/credit-card/first-credit-card-guide-students/Sat, 14 Feb 2026 13:15:00 +0900https://mlipay.jp/en/credit-card/first-credit-card-guide-students/<img src="https://mlipay.jp/img/thumbnail/first-credit-card-guide-students-en.png" alt="Featured image of post First Credit Card Guide for Students and Minors" /><p>For students and minors applying for their first credit card, selecting the right option can seem daunting. However, student cards often come with special, highly rewarding benefits that aren&rsquo;t available to the general public. In this guide, we explore how to choose your first card and highlight top student cards in Japan.</p> <h2 id="why-get-a-credit-card-as-a-student">Why Get a Credit Card as a Student? </h2><ol> <li><strong>Building Credit History</strong>: Paying bills on time early establishes a solid credit score for future auto or home loans.</li> <li><strong>Cashless Convenience</strong>: Streamlines payments for online learning, streaming subscriptions, and travel bookings.</li> <li><strong>Exclusive Student Rewards</strong>: Issuers often multiply reward points specifically for student demographics.</li> </ol> <h2 id="top-recommended-student-cards">Top Recommended Student Cards </h2><ul> <li><strong>Sumitomo Mitsui Card (NL) Student Points</strong>: Offers up to 10% back on popular subscriptions (Spotify, Prime, etc.).</li> <li><strong>Rakuten Card Academy</strong>: A student-specific Rakuten card granting extra points for books and travel.</li> <li><strong>JCB CARD W</strong>: Limited to users under 39, offering high return rates at Starbucks and Amazon.</li> </ul>