The point return rate will be 3% for one year from the date of application. *From the following year, 2% of card usage will be earned as FX points, and the points earned can be used for Gaitame.com’s “Rakutsumu Foreign Currency Savings” investment plan. In addition, there is no annual fee, Pocket Card’s unique services are available, and the card comes with loss and theft insurance, which fully compensates for losses caused by unauthorized use in the event of loss or theft. *Until the end of the same month in the following year after application. In addition, 1% return will be given for monthly usage of over 1 million yen.