There is no annual fee. There are various benefits such as mobile phone insurance of up to 10,000 yen per year and a free ETC card for the first year. Points are earned as d points, which is 1% of 100 yen (tax included) spent on regular shopping, and up to 2% is returned when you pay with d card. You can shop at Matsumotokiyoshi, Starbucks, and other places at great prices. With ahamo, you can get an additional 1GB/month of bonus packets.