The point return rate is always 1.0%, but can increase to up to 10% when used at designated stores. In addition, by using the V Point Up Program, you can increase your point return rate by up to 7% when using at designated convenience stores and restaurants. It is an integrated cash card, and you can also use a dedicated app to switch between debit and points payments. The card is numberless, with all the information necessary for card use, such as the card number and expiration date, as well as the account number hidden.