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GAICA Flex Prepaid Card

Features and Fees

Product details

  GAICA Flex Prepaid Card
Card issuer APLUS Co., Ltd.
Card type Visa prepaid card
How to apply By designated Internet page
Eligibility Eligible customers should be over 13 years old* and meet the conditions mentioned below.
  • We will also confirm the purpose of transaction and consent from the parental guardian when signing up a customer who is a minor.

GAICA Flex Prepaid Card

  1. Must be a resident of Japan
  2. Have a working email address
    (An email address will be required when signing up)

There are no restrictions in which email addresses to use, however the Member-Only Site will not allow access from feature phones. Please access the Member-Only Site from a smartphone or a PC.

  1. The customer signing up must have Shinsei Bank Power Flex account.
Term 5 years
Available currencies to load JPY, USD, EUR, GBP, AUD
Card Function/Services Standard service with Flex function

Fees

  Currency Fees Memo
Membership fee JPY Free  
Load/Reload fee JPY Free Load/Reload fee will refer to the fees loaded on the Load menu of the Member-Only Site. The currencies listed on the left will include the Load/Reload fee on to the loaded currency.

The fees will be deducted and reflected on the loaded amount.

USD 3.5℅ of the loaded amount
EUR
GBP
AUD
Foreign exchange fee JPY 4℅ of the used amount The fee will be applied when withdrawing in the local currency at overseas ATMs, or when using the card for card shopping at overseas Visa affiliated stores.
The foreign exchange fees listed on the left will only be applied when using the JPY balance and calculated from the used JPY amount for payment or withdrawal. This fee will be deducted from the card balance.
When using the card in Japan, only the JPY balance will be used for settlement and foreign exchange rate fee will not be applied.
USD Free
EUR
GBP
AUD
ATM withdrawal fee*1 JPY Free The fee will apply when withdrawing in the local currency.
The fee will be deducted from the card balance.
USD
EUR
GBP
AUD
Refund fee JPY Free The fee will be applied when the member makes a refund to the member's Shinsei PowerFlex account via the "Refund" menu on the Member-Only Site.

Refunds will not be applicable if the member has closed his/her Shinsei PowerFlex account. In that case, Aplus will make refunds to another bank account specified by the member. The refund fee will be JPY500 + tax per transaction (refund).

The fee will be deducted from the card balance.
USD
EUR
GBP
AUD
Card reissue fee JPY JPY 1,000 + tax / 1 time The fee will be applied when reissuing the card.
The card will be sent to the registered address.
The fee will be deducted from the card balance.
Issuance fee for card statement
(By request only)
JPY JPY 200 + tax / 1 time The fee will be applied when sending the card statement by postal mail.
The fee will be deducted from the card balance.
Reissue fee for PIN JPY JPY 200 + tax / 1 time The fee will be applied when reissuing a new PIN by postal mail.
The fee will be deducted from the card balance.

Your new PIN will be sent to your registered address.

Emergency card reissue fee JPY JPY 2,000 + tax / 1 time The fee will be applied when reissuing the card.
The card will be sent to the specified address made by the member.
The card may not be sent due to the circumstances of country and/or region.
The fee will be deducted from the card balance.
  1. *1As an ATM owner, financial institutions may also charge the fee (hereinafter "transaction fee/ATM usage fee"). The transaction fee/ATM usage fee will differ according to the financial institution in charge of the ATM.

Credit limit amount

  Credit limit amount Memo
Load JPY 1 million*2 Maximum amount which can be loaded per transaction.
  • The maximum amount to be loaded is JPY 2 million.
Overseas ATM JPY 150,000 per transaction*2 The maximum amount which can be used at an overseas ATM.
JPY 300,000 per day*2
JPY 300,000 per month*2*3
Overseas card shopping JPY 1 million per transaction*2 The maximum amount which can be used at overseas card shopping.
JPY 1 million per day*2
JPY 1 million per month*2*3
Domestic (in Japan) card shopping*4 JPY 1 million per transaction The maximum amount which can be used at domestic (Japan) card shopping.
JPY 1 million per day
JPY 1 million per month*3
  1. *2Refer to the total JPY amount calculated in Japanese Yen.
  2. *3One month refers to the 1st (0:00:00) day of the month to the last day of the month (23:59:59) in Japan Standard Time (JST).
  3. *4Customers who have issued their cards before June 25, 2017 will have their Domestic (in Japan) card shopping limit set at JPY 0.
    Please login to the Member-Only Site and change the credit limit.

How to Use

How to Load You can load funds to the card choosing the specific amount and currency at the Member-Only Site.
  • Will be loaded directly to the GAICA Flex through the Shinsei PowerFlex account and the Foreign Currency Savings account.
  • Available 24 hours a day, 365 days a year (excludes Shinsei Bank's system maintenance periods).
  • The load will be reflected on the card balance immediately.
How to use The services mentioned below can be used within the card balance;
  • Card Shopping at overseas/domestic (Japan) Visa affiliate stores (1 time payment option only).
  • Withdrawing amounts from overseas ATMs with "VISA" or "PLUS" logo (The maximum withdrawal amount will be the equivalent of JPY 300,000 per month regardless of the local currency).
  • 1 month refers to the 1st day (0:00:00) of the month to the last day of the month (23:59:59) in Japan Standard Time (JST)
  • Withdrawals will not be available at Japanese domestic ATMs.
  • The JPY conversion rate applied will be by the international brand Visa's JPY conversion rate.
  • Currencies loaded in USD/EUR/GBP/AUD cannot be used in another currency other than the loaded currency.
  • The currency to be withdrawn will differ according to the card balance and the amount used. Please click here for details.
Refunds Refunds will be available by selecting the currency and amount as specified on the Member-Only Site.
  • Will be loaded directly to the GAICA Flex through the Shinsei PowerFlex account and the Foreign Currency Savings account.
  • Available 24 hours a day, 365 days a year (excludes Shinsei Bank's system maintenance periods).
  • Refund fee will be free of charge.
Confirming account balance The balance and total usage (from 1 day to 1 month) can be confirmed from the card balance inquiry menu of the Member-Only Site.
Confirming account activity Account activity for the past 6 months can be confirmed from the account activity menu on the Member-Only Site.
Changing PIN We will reissue a new card when changing your PIN. Please contact GAICA Customer Service Desk for assistance.
  • Card reissuance fee will apply when reissuing a new card (please confirm fees on "Fees" section).
Suspending/Reactivating your card The "Suspend/Reactivate" function will be available on the Top menu of the Member-Only Site.
Canceling your card You can apply for cancellation of your card on the "Cancel" menu of the Member-Only Site.
  • Cancellation will not be available until the amount used is confirmed.
  • The remaining balance will transferred to the customer's Shinsei PowerFlex account.
  • If you have already closed your Shinsei PowerFlex account, please contact GAICA Customer Service Desk for assistance.

Designated dispute resolution body

Contact GAICA Customer Service desk
Phone number: 03-6757-3655 (Japanese only)
Business hours: 9:30 a.m. - 5:30 p.m. (excluding Sundays, national holidays and the year-end and New Year holidays)
Address: 4F Grace Rotary Building, 2-60-3 Ikebukuro, Toshima-ku Tokyo
Designated dispute resolution body In event in which transactions are in dispute, if you do not agree to the dispute resolution agreement proposed by APLUS, under the Certified Fund Settlement law you have the option of stating your case to the following third party dispute resolution organizations (stated below) commissioned by APLUS.

[Receipt of Complaints]

Japan Payment Service Association Phone number: 03-3556-6261

[Dispute resolution]

Tokyo Bar Association, ADR Center Phone number: 03-3581-0031
Dai-Ichi Tokyo Bar Association, Arbitration Center Phone number: 03-3595-8588
Dai-Ni Tokyo Bar Association, Arbitration Center Phone number: 03-3581-2249

Login to Shinsei PowerDirect and apply for the card.

For details on how to apply for a card, please check APLUS website.

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