If you use credit card payment even once, the ATM out-of-hours fee will be free for the following month, so you can use ATMs without worrying about the time of use. The card is integrated with the electronic money “iD” that does not require charging, so you can make payments without signing. In addition, you can choose from seven additional insurance plans, including the “Travel Security Plan” which provides overseas and domestic travel accident insurance of up to 20 million yen.