This gold card can be applied for from age 18, and comes with mobile phone insurance of up to 100,000 yen, which is applicable for three years from the date of purchase. For every 1,000 yen (excluding tax) spent on Docomo mobile phones and Docomo Hikari, you can earn 10% of the tax-excluded amount as d points. It is also a great card for ahamo. For every 100 yen (including tax) spent on regular shopping, you can earn 1% d points, and if you are a d-payment user, you can earn up to 2% back when paying with a d-card. The first family card is free, so your family can earn d points together. You can also use the lounges at major airports in Japan and Hawaii for free.