This card has an auto-charge function for PASMO and is a combination of credit, PASMO, and commuter pass. By using the card, you can earn not only Keio points but also V points, which can be exchanged for Keio points. The annual fee is free for the first year, but if you use the auto-charge function once a year, the annual fee for the following year will be free, and it also comes with overseas travel insurance of up to 20 million yen.