This card has no annual fee and comes with a long-term free warranty for up to 10 years on home appliances. In addition to free interest on bonus payments and installment payments, it also comes with other benefits such as free repair agency fees in the event of a recall. Joshin points can be earned not only at Joshin stores but also on everyday shopping, and can be used at Joshin stores and on Joshin web as 1 point = 1 yen.