SMBC Card × Apple Pay Online: 10,000 V Points Draw + 100 Guaranteed

Based on SMBC Card’s official campaign page, checked 2 September 2026. Terms can change without notice — always confirm on the official page before joining.

What the campaign actually gives you

The official name is a mouthful — 「Apple Payのオンライン決済を利用すると 抽選で10,000ポイントが当たる！さらに5,000円（税込）以上利用で必ず100ポイントプレゼント！」 — but it is only two things: a prize draw and a guaranteed 100 points. SMBC Card runs it themselves.

Dates and registration

The period is 1 September (Tue) to 30 September (Wed) 2026. You have to log in to Vpass and register with an eligible card. Two rules work in your favour here:

• SMBC states that spending from before you registered still counts, provided it happened inside the campaign period. If you have already used the card this month, registering now still picks it up.
• If you hold several eligible cards, registering with any one of them is enough — SMBC aggregates eligible spending across all of them. You do not need to register card by card.

How draw entries are counted (this decides your strategy)

SMBC’s wording is unambiguous: entries are awarded one per eligible transaction, regardless of the amount. So:

• ¥1,500 × 1 payment = 1 entry
• ¥1,500 × 3 payments (¥4,500 total) = 3 entries, but you are still ¥500 short of condition 2
• ¥5,000 × 1 payment = 1 entry (condition 2 cleared, but only one shot at the draw)

Which means: for the same ¥5,000, splitting beats a single payment. Something like ¥1,500 + ¥1,500 + ¥2,000 gets you three entries and the guaranteed 100 points at once. The one limit is that each primary cardholder can win only once, so extra entries raise your odds of winning, not the size of the prize — the ceiling stays at 10,000 points.

Eligible cards — and the Olive trap

The official definition: personal credit cards issued by SMBC Card that earn V Points and can be added to Apple Pay. The published list runs to more than 300 card types, from the current flagship products down to old co-branded and university cards. If your card is issued by SMBC Card, earns V Points, and can be added to Apple Pay, assume it qualifies.

The cards most readers will have

Cards that do not support Apple Pay are out, and the official list does not include standalone debit cards or prepaid cards such as Visa Prepaid. If you want to know what your single card can actually do, start with our SMBC Card (NL) guide; if you want the bank account and Olive picture as well, the SMBC + Olive overview is the better starting point.

What “Apple Pay online payment” really means

This is the section that decides whether you get paid. Most people who miss out read “Apple Pay online payment” as “paying with my iPhone”. SMBC’s own definition is narrower:

Eligible vs. not eligible

How to tell whether a site supports it

• Open the site in Safari on your iPhone and look for the black ” Apple Pay” button at checkout. No button means no support, and typing your card number there will not count.
• On a Mac, tap the Apple Pay button in Safari and a code appears; scan it with your iPhone to authenticate. Non-Safari browsers work too, but need iOS 18 or later.
• Apple’s own list of supported services in Japan includes Uber, Uber Eats, Wolt, Demae-can (出前館), TOHO Cinemas, Jalan, Booking.com, agoda, airbnb, Yamato Transport, Yamada Web.com, minne, BASE, Niconico, Comic Seymour, ChargeSPOT, Coke ON, Pizza Hut and Tabelog Takeout. The UNIQLO and GU online stores support it as well.

While we’re here: iD vs. Visa contactless on Apple Pay

Once an SMBC card is in Apple Pay, in-store you actually have two routes: Visa / Mastercard contactless and the e-money network iD. Both are face-to-face, so neither counts for this campaign — but the difference matters elsewhere:

• The rewards are not the same. At the eligible convenience stores and restaurants, the 7% (8% on Olive credit mode) applies only to phone-based Visa / Mastercard contactless and mobile order. SMBC states plainly that physical-card contactless, iD, chip insertion and magnetic-stripe transactions are excluded — so paying with iD forfeits the 7%.
• Coverage differs. SMBC’s phrasing: Visa contactless works worldwide including public transport, while iD covers a wide range of domestic shops.
• You have to say which one. At the till it’s “Visa de” or “iD de” — say the wrong one and the payment goes down the other rail.

Three steps: register, pay, wait

1. Add an eligible card to Apple Pay (the Wallet app). The quickest path is the Vpass app: tap 「Apple Payをはじめる」 (start Apple Pay) → 「Apple Payを設定」 (set up Apple Pay) → enter the phone number registered to your card, then follow the prompts through verification and the terms. SMBC also notes that setup may require a call to their call centre, and warns that they will not extend the campaign period for anyone whose setup ran late. Do this early rather than on the 30th.
2. Register in Vpass. Log in and press 「キャンペーンにエントリーする」 on the campaign page. To check it worked: in the Vpass app go to 「キャンペーン」 → 「すべて表示」 next to 「おすすめキャンペーン」 → 「エントリー履歴」 (entry history); on the Vpass website it is 「キャンペーン」 → 「エントリー履歴」.
3. Make an Apple Pay online payment of ¥1,500 or more. Check on the payment sheet that the card selected is an eligible one — if you keep several cards in Wallet, the default may not be the one you want. That clears condition 1 and earns your first draw entry.
4. Push your period total past ¥5,000. That clears condition 2 and locks in the 100 points. If you want more draw entries, split that ¥5,000 into several payments of ¥1,500 or more.
5. Wait for the award around the end of December 2026. Winners are not contacted individually — SMBC says the announcement is made by awarding the points. In your points history the entries appear as 「9月オンライン決済CP（抽選当選分）」 (draw prize) and 「9月オンライン決済CP（条件達成分）」 (conditions met), so search for those.

Four realistic ways to clear the conditions

¥5,000 of Apple Pay online payments sounds trivial until you count how rarely you actually pay that way. Here are four routes, ordered from least wasteful to most. Pick whichever one already fits your spending — buying things you didn’t need in order to earn 100 points defeats the purpose.

The four routes side by side

What it’s actually worth

Set the draw aside for a moment and look at the part you can count on.

• The guaranteed part: 100 points ÷ ¥5,000 = 2.0%. V Points are worth ¥1 each across most redemption routes, so that is ¥100.
• Route A (transit top-ups): 2.0%, since top-ups earn no ordinary 0.5%.
• Route D (ordinary online shops): 2.0% + 0.5% = about 2.5%.
• Route B (mobile order): 2.0% + 7% = about 9%, or about 10% on Olive credit mode. This is the only combination here that deserves the word “high”.

As for the draw, the pool is 10,000 points × 100 winners = one million points. SMBC does not publish participant numbers, so nobody can calculate the real odds — treat any “your chance is X%” claim as invented. What is knowable is mechanical: entries scale with the number of payments, so splitting increases them linearly, and since you can only win once, the ceiling stays at 10,000 points.

What stacks and what doesn’t

One caveat from the terms: SMBC reserves the right not to award benefits from multiple simultaneous campaigns where regulation or other reasons prevent it. The table above reads each campaign’s published conditions as they stand; what actually lands in your account is the final answer.

Ten ways people lose the points

1. Not registering. You can do it late in the period, but it must happen by 30 September.
2. Typing the card number. Same website, different method — only the Apple Pay button counts.
3. In-store contactless and iD. Online only, no exceptions.
4. Olive in the wrong mode. Debit mode, points-payment mode, and iD through an added payment mode are all out.
5. Not checking which card is selected. SMBC explicitly asks you to select the eligible card at the Apple Pay sheet.
6. Returns are deducted from the total. If you stop at exactly ¥5,000, one return drops you back below condition 2.
7. Late sales slips. SMBC reserves the right to exclude transactions whose slips arrive late — so don’t leave the whole ¥5,000 to 29–30 September.
8. Closing or switching an Olive account. Conditions are not carried over to the new account, so plan the order if you’re changing anything in September.
9. Expecting a winner’s notification. There isn’t one; the award around the end of December is the announcement, and you can only win once.
10. Expecting ordinary points on Suica or PASMO top-ups. They count for the campaign but earn no 0.5%.

How to spend the V Points you earn

The good thing about V Points is how many exits are worth exactly ¥1 per point, so there is no redemption puzzle to solve. SMBC does warn that some redemption routes are worth less than ¥1 per point, so the list below sticks to the ones that aren’t.

If you want the whole V Point pipeline to produce more, the fund-accumulation-then-sell approach is an order of magnitude bigger than any single campaign — SBI Securities and V Points are directly connected. New to points in Japan generally? Start with our introduction to poikatsu.

If you don’t have an SMBC card yet

Honestly, 100 guaranteed points is not a reason to apply for a card. What makes the timing interesting is that SMBC’s new-cardholder campaign also runs until 30 September:

• SMBC Card (NL): applications from 23 July to 30 September 2026, up to ¥29,000 in value for signing up and clearing all the conditions. No annual fee, ever.
• SMBC Card Gold (NL): same window, up to ¥31,000 in value. Spend ¥1 million in a year and the annual fee is waived permanently, plus airport lounge access.
• SMBC notes that some plans and campaigns require separate registration. The conditions are considerably heavier than this campaign’s ¥5,000, so read the official page line by line.

If you’d rather come through a referral, the link is below. Please read the note about exclusivity above first.

FAQ

Q. Does spending from before I registered count?

Yes. SMBC states that usage during the campaign period counts even if it happened before you registered. Anything between 1 and 30 September 2026 is picked up when you register later. But if you never register during September, you get nothing.

Q. What exactly is an “Apple Pay online payment”?

A payment where you choose Apple Pay at checkout in an app or website that supports it and confirm with Face ID or Touch ID. Typing your card number into a website, iD payments, Visa or Mastercard contactless at a till, and any other face-to-face payment are all excluded.

Q. Do Suica and PASMO top-ups really count? Do they earn ordinary V Points?

They count for the campaign — SMBC states that transit IC top-ups made through Apple Pay are eligible. They do not earn ordinary V Points, however: SMBC lists e-money top-ups among the transactions that earn nothing, and states that Mobile Suica, Mobile PASMO and PiTaPa usage does not earn V Points. A ¥5,000 top-up therefore returns only this campaign’s 100 points.

Q. Do I get more draw entries by spending more?

Entries are counted per transaction, not per yen. SMBC awards one entry per eligible payment regardless of the amount. So ¥5,000 in one payment is one entry, while ¥1,500 + ¥1,500 + ¥2,000 is three.

Q. Can I win more than once?

No. Each primary cardholder can win at most once, so the maximum is 10,000 points per person.

Q. When do the points arrive, and how do I check?

Around the end of December 2026. There is no individual notification — SMBC says the award of the points serves as the announcement. In your points history they appear as 「9月オンライン決済CP（抽選当選分）」 for the draw prize and 「9月オンライン決済CP（条件達成分）」 for the guaranteed portion.

Q. Can I check midway whether my payments are being counted?

There is no progress tracker for this campaign. All you can verify now is that your registration went through, via 「エントリー履歴」 in Vpass, and that the payment appears on your statement. Whether it was classified as an Apple Pay online payment only becomes visible when the points land around the end of December. As a precaution, screenshot the payment sheet showing Apple Pay and the eligible card selected.

Q. I hold several SMBC cards. Do I have to register each one?

No. SMBC aggregates eligible usage across all your eligible cards as long as you register with any one of them.

Q. What should Olive holders watch out for?

Only credit mode is eligible. Debit mode and points-payment mode are excluded, and using iD through a payment mode added to Olive is processed as debit mode and also excluded. Separately, if you close your Olive account or switch accounts through a bank-account or card-type change during September, your progress is not carried over.

Q. Can I take part on Android?

No. This campaign covers Apple Pay only; Google Pay and Samsung Pay are excluded.

Q. Does spending on a family card count?

The official campaign page says nothing specific about family cards, and the phrasing that a win is limited to one per primary cardholder suggests aggregation happens at the primary-member level. If you need certainty about your own supplementary card, ask Vpass or the card desk rather than assuming.

Q. Do purchases on Amazon or Rakuten count?

Apple Pay does not appear on Amazon.co.jp’s published list of payment methods, so purchases there do not count. Rakuten Ichiba supports Apple Pay in some shops only: the button appears at checkout when both the item and the shop support it and you are ordering from Safari on an iPhone, and never for pre-orders, subscriptions or teiki-bin. Check the payment screen before ordering.

Sources and disclaimer