A Step-by-Step Online Guide to Apply for the Orico Card

Welcome to our step-by-step guide on how to apply for the Orico Card online! 

This comprehensive guide will walk you through the application process, from understanding the card’s benefits to submitting your application. 


Whether you are new to credit cards or a seasoned applicant, this guide will provide all the information you need. Let’s get started!

Understanding the Orico Card

The Orico Card is a credit card that offers a range of benefits, including cashback rewards, travel perks, and fraud protection. 

It is designed to give users a convenient and secure way to purchase online and in stores.


A Step-by-Step Online Guide to Apply for the Orico Card

Benefits of Owning an Orico Card

Orico Card is your gateway to a world of exclusive benefits and rewards. Here are some of the benefits of owning the card:

  • Cashback rewards on eligible purchases
  • Travel perks such as airport lounge access and travel insurance
  • Fraud protection for peace of mind
  • Flexible payment options with low-interest rates
  • Access to exclusive offers and discounts
  • Online account management for easy tracking of expenses
  • Compatibility with major payment systems for convenience
  • Dedicated customer support for any assistance needed

Eligibility Criteria for Applying

Before applying for an Orico Card, it’s essential to ensure you meet the eligibility criteria. Here are the necessary requirements:

  • Minimum age of 18 years old
  • Valid government-issued ID
  • Proof of income or employment
  • Good credit history
  • Residency in the card’s eligible country
  • Compliance with any additional criteria set by the card issuer

Preparing to Apply

Preparing to apply for an Orico Card involves several essential steps. Here’s a detailed guide:

  • Check Eligibility: Ensure you meet the age, income, and residency requirements.
  • Gather Documents: Collect your ID, proof of income, and other required documents.
  • Check Credit Report: Review your credit report for accuracy.
  • Create an Online Account: Sign up on the Orico Card website.
  • Complete the Application Form: Fill out the form accurately.
  • Upload Documents: Scan and upload your ID and proof of income.
  • Submit Application: Review and submit your application.

Step-by-Step Guide to Applying

Applying for an Orico Card online is a simple process that can be completed in just a few steps:

  1. Log into Your Account: Visit the Orico Card website and log in or create an account.
  2. Navigate to the Application Page: Find the application page on the website.
  3. Fill Out the Application Form: Provide personal and financial details accurately.
  4. Upload Required Documents: Scan and upload your ID and proof of income.
  5. Review Your Application: Double-check all information for accuracy.
  6. Agree to Terms and Conditions: Read and agree to the card’s terms.
  7. Submit Your Application: Click the submit button to send your application.

A Step-by-Step Online Guide to Apply for the Orico Card

After Applying

After applying for an Orico Card, it’s crucial to stay informed:

  • Confirmation of Application Submission: You should receive a confirmation email or message.
  • Waiting Period for Application Approval: The card issuer will review your application, which may take several days to weeks.
  • Receiving Your Orico Card: You’ll receive your card by mail if approved. Activate it following the instructions provided.
  • Review Terms and Conditions: Familiarize yourself with the card’s terms and fees.
  • Set Up Online Account: Register for online account management for easy access.

Common Reasons for Rejection

To avoid rejection when applying for an Orico Card, one must be aware of common reasons applications are denied. 

Here are some common reasons:

  • Insufficient Income: Your income may need to meet the minimum requirements for the card.
  • Poor Credit History: A history of missed payments or high debt can negatively impact your application.
  • Incomplete or Inaccurate Information: Missing or incorrect information on your application can lead to rejection.
  • Multiple Recent Applications: Applying for numerous credit cards quickly can raise concerns about your financial stability.
  • Bankruptcy or Legal Issues: Past bankruptcy or ongoing legal issues can affect your application.
  • Errors on Credit Report: Mistakes on your credit report, such as incorrect account statuses or balances, can lead to rejection.
  • High Debt-to-Income Ratio: A high debt relative to income can be a red flag for lenders.
  • Recent Job Change: Lenders may view recent job changes as unstable income.
  • No Credit History: No credit history can make it difficult for lenders to assess your creditworthiness.
  • Living in a Different Country: Some credit card issuers may require you to be a resident of the country where the card is issued.

Tips for a Successful Application

To increase your chances of a successful application for an Orico Card, consider these tips:

  • Double-check Information: Ensure all details are accurate.
  • Contact Customer Support if Needed: Reach out for assistance.
  • Follow Up on Your Application: Monitor its status and inquire if needed.
  • Maintain a Good Credit History: Manage your finances responsibly.
  • Review Terms and Conditions: Understand fees and rates.
  • Keep Contact Information Updated: Ensure the accuracy of communication.
  • Consider Adding a Supplementary Cardholder: Meet income requirements if allowed.

Interest Rates and Fees

Before applying for the Orico Card, it’s essential to understand its interest rates and associated fees. Here’s a breakdown in Japanese yen:

  • Annual Fee: ¥5,000
  • Purchase APR: 15.99% – 24.99% variable, depending on creditworthiness
  • Balance Transfer APR: 0% intro APR for 12 months, then 15.99% – 24.99% variable
  • Cash Advance APR: 25.24% – 27.24% variable
  • Foreign Transaction Fee: 3% of each transaction in yen
  • Late Payment Fee: Up to ¥4,000
  • Returned Payment Fee: Up to ¥4,000

Contact Details

For inquiries or assistance regarding the Orico Card application process, you can contact the Orico Telephone Service. 

Please note the following contact details:

Orico Telephone Service [Automated voice]:

  • From a landline: 0120-911-004 (available 7 days a week)
  • From a mobile phone: 03-5877-5555 (charged, available 7 days a week)

Orico Card Center (Business hours: 9:30 AM to 5:30 PM, 7 days a week)

  • Sapporo: 011-261-6002
  • Sendai: 022-215-2655
  • Tokyo: 049-271-3330
  • Nagoya: 052-735-3525
  • Osaka: 06-6821-3860
  • Hiroshima: 082-225-5360
  • Fukuoka: 092-722-5477

To Conclude

Applying for an Orico Card online is a straightforward process that can be completed in simple steps. 

By following this guide, you can ensure that your application is accurate and meets all requirements. Before submitting, double-check all information. 

The Orico Card is valuable, with cashback rewards and travel perks. Could you apply now to enjoy its benefits?


The information provided in this guide is for informational purposes only and should not be considered financial advice. 

Please consult a financial advisor or the card issuer for specific details about the Orico Card and its application process.