You will always receive 1% World Present points when using the card, and up to 5% when using Visa touch payments at certain affiliated stores. In addition, you will receive bonus points for every 50,000 yen you spend each month. You can enjoy the benefits that only a gold card can offer, such as free use of domestic airport lounges, overseas travel insurance up to 20 million yen, and shopping insurance up to 3 million yen. The first year’s annual fee is free, and if you spend more than 1 million yen in a year, the annual fee for the following year will also be free.