Japanese consumer surveys highlight preference for low annual fees on credit and ETC cards

Surveys conducted by Zero Axel via the Cocomoola website reveal key consumer preferences regarding credit cards and ETC cards in Japan.

A survey of 100 individuals who used same-day issued credit cards found that 74% were motivated by attractive campaign benefits. When selecting these cards, 54% prioritized low or no annual fees. The most popular cards for same-day issuance were PayPay Card and Rakuten Card, both tied at 29%, followed by Epos Card and Mitsui Sumitomo Card (NL) at 23%.

In a separate survey of 300 ETC card users, 56.67% identified the absence of annual fees and issuance fees as their primary deciding factor. Rakuten Card was the most widely used ETC card at 30.33%, significantly outpacing Mitsui Sumitomo Card (NL) at 8.33% and d Card at 6.67%. While many users simply require the card to function, Mitsui Sumitomo Card (NL) users reported higher satisfaction with specific features such as immediate gasoline discounts, real-time app updates, and free roadside assistance.