しずぎんカード (Shizugin Card / Shizuoka Bank Card)

Wiki route

This entry sits under the card-issuers INDEX as the FG-subsidiary credit-card operating-company anchor for the Shizuoka FG group (parent: Shizuoka Bank). Read it against the parent operating bank Shizuoka Bank and sibling subsidiaries Shizugin TM Securities / Shizugin Lease / Shizugin Capital / Shizugin Credit Guarantee. Peer comparison: regional-bank-affiliated credit-card companies (Mebuki Card / Chibagin Card / UCS Card (UCS) (former Meitetsu affiliate) / Yokohama Bank’s Hamagin Finance, etc.) and major card issuers SMBC Card / Credit Saison / Rakuten Card / Seven Card Service / PayPay Card / EPOS Card / Life Card / Aplus / Pocket Card. For the broader system route see regional-bank consolidation pattern, regional-bank API/digital partnership route and banking index. Investable-universe context: Japan listed financial groups investable universe.

TL;DR

Shizugin Card Co., Ltd. (Shizuoka Bank Card) is the credit-card subsidiary of the Shizuoka FG group. Against the retail / corporate customer base of its core subsidiary Shizuoka Bank (Shizuoka Prefecture share No. 1 / main bank of a manufacturing cluster), it provides a bank-originated credit card based in Shizuoka Prefecture (JCB / VISA / Master brands), loans, cashing, collection agency, electronic money, and QR-payment-related services. As a typical regional-bank-affiliated card-company model, it carries the functions of bank-account linkage, a regional merchant network, and settlement within the regional economic zone. shizuoka-fg 2022-10-03 After the move to a holding-company structure, it was repositioned as one of the parallel subsidiaries within the group.

1. Company overview

Item	Notes
Formal name	Shizugin Card Co., Ltd. (株式会社しずぎんカード)
English name	Shizuoka Bank Card Co., Ltd. (Shizugin Card)
Parent	[[regional-banks/shizuoka-fg
Established	1983-04-01 (established as a [[regional-banks/shizuoka-bank
Main businesses	Credit-card issuance / shopping credit / card loans / cashing / collection agency / electronic money / QR-payment related
Regulation	Installment Sales Act / Money Lending Business Act / Payment Services Act (as applicable to the relevant business)
Listing category	Unlisted (shizuoka-fg group)
Wiki role	Anchor for the Shizuoka-FG-affiliated credit-card subsidiary

Holding tree (simplified diagram of the Shizuoka FG group)

[[regional-banks/shizuoka-fg|しずおか FG]] (holding company, listed 5831, established 2022-10-03)
  ├── [[regional-banks/shizuoka-bank|静岡銀行]] (100%) ── core subsidiary, Shizuoka Prefecture share No. 1, main bank of a manufacturing cluster
  │     └── main bank for automobiles (Suzuki, Yamaha Motor) / musical instruments (Yamaha, Roland) / food and tea
  ├── Shizugin TM Securities (100%) ── group securities
  ├── Shizugin Lease (100%) ── group leasing
  ├── Shizugin Card (100%, this page) ── group credit card
  │     ├── Shizuoka-based bank-originated credit card (JCB / VISA / Master)
  │     ├── Shizuoka Bank account-linked card
  │     └── regional merchant network (small / mid-size retail within Shizuoka Prefecture)
  ├── Shizugin Capital (100%) ── venture investment
  ├── Shizugin Credit Guarantee (100%) ── credit guarantee
  ├── overseas local subsidiary, Mongolia MFG Bank (affiliate)
  └── Shizugin Management Consulting and other systems / consulting subsidiaries

Main business lines

Segment	Characteristics
Shopping credit	Shopping credit via merchants (installment / revolving)
Card loan	Unsecured personal card loans (including bank card-loan agency)
Cashing	Cashing attached to credit cards

In-group cross-links

Group company	Linkage content
[[regional-banks/shizuoka-bank	静岡銀行]]

Peer comparison of regional-bank-affiliated credit-card companies

Credit-card subsidiary	Parent bank / FG	Parent-company model	Base	Listing
Shizugin Card (this page)	[[regional-banks/shizuoka-fg	しずおか FG]]	sibling company under a holding company (2022-10-)	Shizuoka Prefecture
Hamagin Finance (card / credit guarantee)	yokohama-bank / concordia-fg	bank consolidated subsidiary	Kanagawa / Tokyo metropolitan area	Parent 7186

Competition with major card issuers

Distribution-affiliated: Credit Saison / EPOS Card / Seven Card Service / UCS Card (UCS) / Aeon Financial Service - advantage in issuance volume through co-location with retail
Major bank-affiliated: SMBC Card / MUFG NICOS / Mizuho Credit - nationwide coverage with a nationwide megabank parent
Tech / mail-order affiliated: Rakuten Card / PayPay Card / au PAY Card / American Express International Japan - rapid growth via economic-zone / code-payment co-location
Consumer-finance affiliated: Aplus / Pocket Card / Life Card / Acom Co., Ltd. - centered on high-interest cashing / loans
In-prefecture competitors: Suruga Bank-affiliated cards / Shimizu Bank-affiliated cards / local distribution-affiliated cards (Shizutetsu group, etc.)

Strengths / weaknesses

Strengths: Shizuoka Bank Shizuoka Prefecture share No. 1 + deposit customer base + linkage to manufacturing-employee payroll accounts + regional merchant network + the affluent owner / executive class of the manufacturing cluster (Suzuki / Yamaha, etc.)

Regulatory framework

Lead authorities: Ministry of Economy, Trade and Industry (jurisdiction over the Installment Sales Act) and the Financial Services Agency (FSA, jurisdiction over the Money Lending Business Act and the Payment Services Act)
Legal basis:
- Installment Sales Act: the core regulation for credit-card issuance and shopping-credit business (registration as a comprehensive credit-purchase intermediary)
- Money Lending Business Act: cashing / card-loan business (money-lending registration)
- Payment Services Act: electronic money / prepaid card / QR-payment-related business
- Act on the Protection of Personal Information / My Number Act: management of cardholder information
Parent FG governance: as a consolidated subsidiary of shizuoka-fg, positioned under holding-company governance and subject to non-banking-subsidiary regulation (core business / ancillary business / scope-of-business restrictions)

Regulatory issues

Installment Sales Act amendment (2018-): strengthened obligations for merchant-contracting parties (acquirers), security-measure obligations (PCI DSS compliance)
Amended Installment Sales Act (2020-): strengthened user protection (credit screening / usage-limit management / complaint-handling structure)
Act on the Protection of Personal Information (2022- amendment): cross-border transfer / proper-acquisition obligations for cardholder information
Cashless promotion: under METI’s Cashless Vision 2025 and the target of a “2025 年 cashless ratio of 40%,” there is debate over the level of merchant fees
AML measures / anti-social-forces checks: jointly implemented with the shizuoka-fg group
EDINET / securities reports: Shizugin Card on a standalone basis is unlisted with limited disclosure; indirectly disclosed via shizuoka-fg consolidated segment information

Accounting treatment

Standalone financial KPIs: partially disclosed in the parent shizuoka-fg securities-report notes / segment information (capital 5,000 万円 / employees 81 名 = Shizugin Card official company profile)

shizuoka-fg · shizuoka-bank · suruga-bank · shimizu-bank · shizuoka-chuo-bank
mebuki-fg · concordia-fg · yokohama-bank · chiba-bank · iyogin-hd · fukuoka-fg · yamaguchi-fg
chibagin-securities · chibagin-leasing · mebuki-securities · mebuki-lease · ffg-securities · yokohama-bank-leasing · yamaguchi-leasing · iyogin-leasing
smbc-card · credit-saison · rakuten-card · paypay-card · epos-card · seven-card-service · ucs-card · aeon-financial-service · aplus · pocket-card · life-card · american-express-international-japan · mastercard-japan
bnpl-landscape · atone · acom · aiful
regional-bank-consolidation-pattern · regional-bank-api-digital-partnership-route · INDEX
japan-listed-financial-groups-investable-universe · INDEX
card-issuers INDEX

Sources

Shizugin Card Co., Ltd. official site — company profile (https://shizugin-card.shizuokabank.co.jp/company/, established 1983-04-01 / capital 5,000 万円 / employees 81 名 / head office Kusanagi, Shimizu-ku, Shizuoka City)
Wikipedia: Shizugin Card (https://ja.wikipedia.org/wiki/静銀カード, 1983-04 establishment history / 2006-03 Shizugin joyca / 2022-10 parent change / 2023-08-01 name change to the current company name)
Shizuoka Bank official site (https://www.shizuokabank.co.jp/, group company information)
Shizuoka FG official IR (https://www.shizuokafg.co.jp/)
EDINET securities reports (Shizuoka FG consolidated / segment information) (https://disclosure.edinet-fsa.go.jp/)
Japan Consumer Credit Association (https://www.j-credit.or.jp/, register of member businesses)
Wikipedia: Shizugin Card / Shizuoka Bank / Shizuoka Financial Group (2026-05-25 extracted)

[!info] Verification status confidence: likely (FG credit-card-subsidiary anchor created 2026-05-25). The shizuoka-fg page covers the holding-company holding strategy (move to a 2022-10 HD), while this page covers the credit-card-subsidiary operating boundary. The year of establishment (1983-04-01), the parent change (2022-10 Shizuoka FG), and the name change to the current “Shizugin Card” (2023-08-01) have been confirmed in Shizugin Card’s official company profile (sources below). Brand evolution: DC franchisee → 2006-03 “Shizugin joyca” credit guarantee → 2023 start of JCB merchant-related / corporate-card handling. Precise figures for card-issuance volume and transaction value are not disclosed on a standalone basis, so refer to the parent shizuoka-fg securities-report segment information.