This card has no annual fee. When using at Yume Town and Yume Mart, you can accumulate 1 yen discount for every 100 yen you spend, and a discount voucher of the same amount will be issued every 500 yen you spend. When paying by credit card at JCB or VISA member stores, you can accumulate 0.5 points for every 100 yen you spend, and once you have accumulated a certain number of points, you can transfer them to discount savings or exchange them for gift certificates.