If you have mastered the basics of Poi-Katsu and want to push your monthly earnings toward 30,000 日圓, these intermediate techniques will get you there. They build on the fundamentals and require more planning, but the payoff is substantial.

Credit Card Applications at Scale

Credit card sign-ups remain the highest-paying opportunity, offering 5,000 to 10,000 日圓 in 積分 per application. Aim for 1-2 applications per month and always go through point portals. Time your applications with bonus campaigns. Start with easier-to-approve cards and work up to premium cards with higher rewards.

Start Investment-Based Point Activities

Investment-related point activities are a natural next step. Opening a securities account, setting up a NISA account, or starting a mutual fund recurring purchase can all yield significant point bonuses. In 2026, brokerages are running aggressive campaigns tied to the new NISA scheme. Many offers only require account opening with no investment required.

Level Up Your Point Site Rank

Major point portals like Hapitas and Moppy have membership tiers. Higher tiers unlock better payouts per offer. 專注 your activity on one or two sites to climb the ranks faster. Watch for time-sale bonuses and double-dip 活動 periods within the site.

Optimize Point Exchanges

Where you convert your 積分 matters. 現金 or universal gift cards are the safest option. But watch for exchange campaigns — converting to ANA or JAL miles during bonus periods can significantly increase the effective value of your 積分.

Plan an Annual Schedule

Consistent 30,000 日圓/month earnings require planning. Map out the year: 故鄉稅 季節, anniversary campaigns on point sites, and credit card offer spikes. Knowing when each opportunity peaks lets you allocate your applications and spending effectively.

With discipline and strategy, 30,000 日圓 per month is an achievable Poi-Katsu goal.