It comes with a Promise loan function, and you can earn V points when you shop with the card or repay loans. In addition, you can earn up to 7% cashback by paying with Visa touch payment on your smartphone at participating convenience stores and restaurants. The points you earn can be exchanged for prizes, miles, points from other companies, and more. It is a numberless card with no credit card number printed on it, and there is no annual fee for life.