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株式会社JALカード (JAL Card)

Confidence: Likely Updated 2026-05-25 Review by 2026-11-25 Sources 4 Machine-translated Original (JA)
#JapanFG#payments#credit-card#affinity-card#airline#JAL-group
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This entry sits under card-issuers INDEX. Read it against JR East Financial Group (JR-East Financial Subsidiaries) for peer / contrast context and credit purchase / card operators index for the broader regulatory / registry boundary.

TL;DR

JAL Card Co., Ltd. (trade name: 株式会社ジャルカード) is a corporate- and individual-facing card company that issues and operates Japan Airlines’ (JAL) mileage-earning credit cards. Established 1984年10月, head office in Higashi-Shinagawa, Shinagawa-ku, Tokyo. A JAL 100% subsidiary, capital 3 億 6,000 万円. The cards it issues span all 5 international brands — VISA / Mastercard / JCB / American Express / Diners Club — and it is one of the largest issuers of “frequent-flyer-only” affinity cards co-branded with partner card companies (JCB, SMBC Card, Mitsubishi UFJ NICOS, etc.). Together with the ANA Card it forms the core of Japan’s airline industry and mileage economy; competitors are transport- and retail-affiliated affinity cards such as View Card, Credit Saison, and EPOS Card.

1. Corporate entity / shareholders

  • Trade name: 株式会社JALカード (English: JAL Card Co., Ltd. / corporate registration name: 株式会社ジャルカード)
  • Established: 1984年10月30日
  • Head office location: 〒140-0002 Nomura Real Estate Tennozu Building, 東京都品川区東品川2-4-11
  • Capital: 3 億 6,000 万円
  • Corporate number: 2010701013124
  • Parent company: Japan Airlines Co., Ltd. (JAL, TSE PRIME 9201), a consolidated subsidiary 100% owned
  • Representative: Representative Director and President (joint structure: Tomohiro Nishihata and Osamu Takakura)
  • Number of employees: 271 名 (as of 2024 年)

2. License / registration

  • Installment Sales Act (割賦販売法): METI-registered as a comprehensive credit-purchase intermediary / individual credit-purchase intermediary
  • Business operator concluding credit-card-number-handling contracts: METI-registered (issuer / outsourced operations)
  • Industry bodies: JCB Co., Ltd. (JCB) (JCA) member, Japan Credit Card Association (JCCA) member
  • No separate moneylending registration: the cashing function is operated by partner card companies (JCB / SMBC Card / MUFG NICOS, etc.) as the moneylending principal
  • Cooperative operators: partnered with all 5 international brands (VISA, Mastercard, JCB, American Express, Diners Club)

3. Product line

  • JAL Card Ordinary Card (annual fee 2,200 円) — basic tier
  • JAL Card CLUB-A (annual fee 11,000 円) — bonus miles + premium-member benefits
  • JAL Card CLUB-A Gold (annual fee 17,600 円) — gold tier
  • JAL Card Platinum (annual fee 34,100 円) — American Express-partnered high-end tier
  • JAL American Express Card CLUB-A Gold — Amex partnership
  • JAL JCB Card Navi (students only)
  • JMB JAL Card Suica — JAL miles + JR East Suica integrated card (an important transport-linkage card with JR East Financial Group (JR-East Financial Subsidiaries) / Seven Bank, etc.)
  • JAL Pay — prepaid app payment that can be topped up with JAL miles (2024- expanding)

4. Key KPIs (disclosed basis)

  • Membership: approximately 360 万 people (as of FY2024 年, official IR basis)
  • Share of JAL Card members among JAL Mileage Bank members (MILE members): the core of the top-tier customer base
  • Transaction volume: undisclosed (no standalone disclosure as it is included in parent JAL’s consolidated figures)
  • Mile issuance / redemption scale: the core of the “mileage business” within JAL’s consolidated segment disclosure

5. Industry position

  • As an airline-affiliated affinity card, forms a 2 -strong structure with the ANA Card (All Nippon Airways group)
  • Reputed to weight JCB more heavily than the ANA Card, but differentiates as an issuer through 5 -brand coverage
  • Holds a strong loyalty customer base in JAL frequent flyers, characterized by high spend per transaction
  • With the launch of JAL Pay, a strategy to consolidate real-world payment + mile earning + prepaid + top-up functions into 1 app
  • Competitors: ANA Card (airline), View Card (rail), Credit Saison / EPOS Card (retail)

6. History

DateEvent
1984-10-30株式会社ジャルカード established, a Japan Airlines 100% subsidiary
1985JAL Card VISA / Mastercard partner issuance began
1996JAL Card JCB partner issuance began
2004-04American Express-partnered JAL Card issuance began
2010-08JAL management collapse → Corporate Reorganization Act applied (parent company); JAL Card maintained consolidation
2012-09JAL relisted; JAL Card also restored to financial health
2017-04JAL Suica / JCB partnership (strengthened linkage with [[card-issuers/jr-east-financial
2024-04JAL Pay launched — integration of JAL miles ↔ prepaid ↔ merchant payment
2026Re-certified as a DX-certified business operator (press release)

7. Affiliated companies / counterparties

  • International-brand partner card companies: SMBC Card (VISA, Mastercard), JCB, Mitsubishi UFJ NICOS (VISA, Mastercard), American Express, Diners Club
  • Cashing-function outsourcees: each of the above card companies
  • Parent company of the airline mileage business: Japan Airlines (JAL)
  • JAL Pay merchant network: QR / NFC payment merchants (an airline-mileage economic sphere alongside PayPay / Merpay)

8. Why this is needed as a standalone page

JAL Card does not appear in parent JAL’s segment disclosure, but it has its own distinct regulatory / business boundary spanning card issuance, the Installment Sales Act, the mileage economy, and the merchant network. It should not be confused with JAL’s airline-business page; it requires a standalone comparison benchmark as an “affinity-card issuer” alongside JR East Financial and Credit Saison.

Sources

[!info] Verification status confidence: likely (consistent with the publicly available company outline, history, GbizInfo corporate-number information, and parent JAL’s consolidated-subsidiary disclosure). Annual fees and membership are official figures (as of FY2024 年). Annual results are included in parent JAL’s consolidated figures, so standalone P/L disclosure is limited.