Learn How to Apply for Epos Gold Credit Card

In this guide, you'll explore how to apply for the Epos Gold Credit Card, a versatile financial tool with a range of benefits and rewards.

Whether you seek cashback, travel perks, or a reliable credit card, knowing the application process can help you secure this valuable asset.

Eligibility Criteria

To qualify for the Epos Gold Credit Card, you must meet specific eligibility criteria. These are the requirements:

  • Being at least 18 years old.
  • Having a minimum income requirement.
  • Having a good credit score.
  • Being a resident of the country where the card is issued.
  • Meeting any other requirements set by the card issuer.

Required Documents

When applying for the Epos Gold Credit Card, you'll need to provide several documents to support your application.


Check the list below:

  • Proof of identity (e.g., passport, driver's license)
  • Proof of address (e.g., utility bill, bank statement)
  • Proof of income (e.g., pay stubs, tax returns)
  • Employment details (e.g., employer's contact information)
  • Any other documents requested by the card issuer

Application Process

The Epos Gold Credit Card application process can be completed either online or in person, offering flexibility to applicants. Here's a step-by-step guide for both methods:

Online Application

  1. Visit the Epos website or the designated application portal.
  2. Fill out the online application form with your personal and financial details.
  3. Upload the required documents, such as proof of identity and income.
  4. Review the application carefully and submit it for processing.
  5. Wait for the approval decision, which may take a few days.

In-Person Application

  1. Visit a local Epos branch or authorized agent.
  2. Request an application form from the staff.
  3. Fill out the form with your details, ensuring accuracy.
  4. Submit the completed form along with the required documents.
  5. Wait for the staff to process your application and provide further instructions.

Approval Process

The approval process begins after you've applied for the Epos Gold Credit Card.


Here are the five steps involved:

  1. Application Review: The card issuer reviews your application, verifying your details and creditworthiness.
  2. Credit Check: A credit check assesses your credit history and score.
  3. Income Verification: The issuer may verify your income to ensure you meet the minimum requirement.
  4. Decision Making: Based on the review and verification, the issuer approves or rejects your application.
  5. Notification: You will be notified of the decision, typically by mail or email, along with any further instructions if approved.

Possible Reasons for Rejection

While applying for the Epos Gold Credit Card, it's essential to be aware of potential reasons why your application may be rejected, including:

  • Insufficient Income: If your income does not meet the card issuer's minimum requirement.
  • Poor Credit History: A history of missed payments or high debt can lead to rejection.
  • Inaccurate Information: Providing incorrect or incomplete information on your application.
  • Employment Status: Unemployment or unstable employment history may impact your application.
  • Existing Credit Accounts: Having too many existing credit accounts or loans.

Card Benefits and Features

The Epos Gold Credit Card offers a variety of benefits and features that cater to different financial needs.


Here's a list of key benefits:

  • Rewards Program: Earn points or cashback on your purchases.
  • Travel Perks: Access to travel insurance, airport lounge access, or travel discounts.
  • Low Fees: Minimal annual fees and competitive interest rates.
  • Flexible Payment Options: Choose from various payment plans and methods.
  • Security Features: Enhanced security measures such as fraud protection and purchase protection.

Online Banking Features and Mobile App

The Epos Gold Credit Card offers convenient online banking features and a mobile app to manage your account.

Here are some key features and benefits:

  • Account Management: View your balance, transactions, and statements online.
  • Bill Payment: Pay bills online or set up automatic payments.
  • Transfer Funds: Transfer money between accounts or to other individuals.
  • Alerts and Notifications: Receive alerts for transactions, due dates, and account updates.
  • Security Features: Enable features like two-factor authentication and fraud detection for added security.

Fees and Conditions

Before applying for the Epos Gold Credit Card, it's essential to understand the fees and conditions associated with the card. Here's a detailed list:

  • Annual Fee: ¥5,000 per year.
  • Interest Rate: 15.0% per annum on purchases and cash advances.
  • Late Payment Fee: ¥2,000 for each late payment.
  • Cash Advance Fee: 3% of the transaction amount for cash advances, with a minimum fee of ¥500.

How to Increase Your Credit Limit

Increasing your Epos Gold Credit Card's credit limit can provide greater financial flexibility. Here's how you can request a credit limit increase:

  • Contact Customer Service: Call the customer service number on the back of your card or visit the issuer's website.
  • Request an Increase: Request a credit limit increase by providing any required information, such as income details or updated contact information.
  • Wait for Approval: The issuer will review your request and notify you of their decision. If approved, your account's credit limit will be updated.

Tips for Managing Your Epos Gold Credit Card Account Efficiently

Managing your Epos Gold Credit Card account efficiently can help you stay on top of your finances and maximize your card's benefits.

Here are seven tips to help you manage your account effectively:

  • Set Up Account Alerts: Stay informed about your account activity by setting up alerts for purchases, payments, and account changes.
  • Monitor Your Spending: Regularly review your transactions to track your spending and identify unauthorized charges.
  • Pay Your Bills on Time: Avoid late fees and interest charges by paying your credit card bill on or before the due date.
  • Use Online Banking: Use online banking to manage your account, view statements, and make payments conveniently.
  • Opt for Paperless Statements: Reduce clutter and environmental impact by sending paperless statements to your email.
  • Review Your Rewards: Regularly check your rewards balance and take advantage of any offers or promotions.
  • Update Your Contact Information: Keep your contact information updated to receive important notifications and alerts about your account.

Contact Details

For inquiries or assistance regarding the Epos Gold Credit Card, contact the customer center at the following address and phone number.

The customer center operates during the specified hours.

  • Address: 1 Chome-22-6 Jinnan, Shibuya City, Tokyo 150-0041, Japan
  • Customer Center Hours: 9:30 AM - 6:00 PM
  • Tokyo: 03-3383-0101

The Bottomline

In conclusion, applying for the Epos Gold Credit Card is straightforward and offers valuable financial benefits.

Understanding the eligibility criteria, required documents, and application process can help you successfully obtain this card.

Review the fees and conditions and consider how the card aligns with your financial goals before applying.


The information provided in this guide is for informational purposes only and should not be considered financial advice.

Terms and conditions for the Epos Gold Credit Card may vary and are subject to change.

Please consult with the card issuer or financial advisor for personalized guidance.