AirWALLET currently has several offers running together: 300 Ponta points with a referral code, a ¥2,000 new-user top-up reward, 15% cashback on eligible COIN+ QR payments, and 20% on eligible first-time AirWALLET Visa use. Existing users may still qualify for the payment offers.
The rewards cannot simply be added into one headline total. In particular, MUFG bank customers should compare a separate first-top-up offer worth up to ¥5,000 before choosing a route. This guide checks the official terms as of October 25, 2026, explains the Japanese app labels, and separates guaranteed rewards from prize draws.
Identity verification must be approved by the deadline; submitting an application is not enough. Approval normally takes the same day to around a week and can take longer, so a new application now may not finish in time. The ¥2,000 top-up offer ends October 31, while the two payment cashback offers run through November 2.
Our referral code is ca4xwqe. When the applicable conditions are met, both the inviter and the person invited receive a benefit. This website may receive referral points when you use its code.
Check the official referral requirements →
Which offers could you qualify for?
| Offer | Main requirement | Reward | Deadline |
|---|---|---|---|
| New-user referral | Code, new identity approval, bank registration and ID linking | 300 Ponta points | October 26 |
| New-user top-up | Qualifying new identity verification and at least ¥15,000 in cumulative top-ups | ¥2,000 COIN+ balance | October 31 |
| COIN+ QR/barcode payments | Entry, ID linking and eligible payments using specified apps | 15%, capped at ¥500 | November 2 |
| First-time Visa use | No completed AirWALLET Visa payment before October 1 | 20%, capped at ¥1,000 | November 2 |
| MUFG first top-up | First-ever top-up from a MUFG account to COIN+, plus entry | Up to ¥5,000 | March 31, 2027 |
All dates above, except the MUFG deadline, are in 2026; deadlines are 23:59 Japan time. The referral and new-user top-up offers began September 29. The two payment offers began October 1.
AirWALLET, COIN+, Recruit ID and Ponta are different things
AirWALLET is the app. COIN+ is the balance/payment service used inside it. Your Recruit ID links your campaign entry to your COIN+ account, while your Ponta membership ID is needed for the referral points. Installing the app does not automatically complete every link.
These are Japanese domestic service offers: check whether your bank account and identity documents are supported before starting. Follow the app’s identity-verification instructions and use your own account details. Do not assume that an overseas card or a short visit to Japan makes you eligible.
The referral gives Ponta points, not withdrawable yen balance. The other offers discussed here credit COIN+ balance. Receiving ¥2,000 plus 300 points is not the same as a single ¥2,300 cash payment.
How to use referral code ca4xwqe
The current referral campaign runs from September 29 to October 26, 2026. A new user needs to enter a referral code and complete the required bank registration, identity application and approval, and Recruit ID linking within the campaign period.
- Download AirWALLET and create your COIN+ account.
- Enter ca4xwqe in the referral-code field, labelled 招待コード.
- Register your bank account and complete identity verification. Check for approval, not just submission.
- Link your Recruit ID to COIN+ and confirm that the same Recruit ID is linked to your Ponta membership ID.
The inviter must also enter this specific campaign. Completing the invitee steps alone does not guarantee the reward if the inviter has not entered. The 300 Ponta points are scheduled for late November 2026. The reward for being invited is available once per person.
If you completed identity verification before September 29 at 00:00, you are not eligible as a new invitee for this round. COIN+ accounts created through MUFG’s スマート口座開設 (smart account-opening) app are also excluded, including cases reached through another app.
Forgot the code during registration?
The official FAQ says you can still enter it during the campaign period. From the AirWALLET home screen, open 設定・アカウント (Settings/Account), then 友だち招待 (Invite friends) or 招待コード入力 (Enter referral code). This does not extend the identity-approval deadline.
The official page also advertises a prize draw for inviters who bring in multiple qualifying people. That is not a guaranteed new-user reward, so it is not included in the amounts calculated here. Read the official referral terms and FAQ.
Choose your top-up reward before adding money
Route A: ¥2,000 balance for at least ¥15,000 in qualifying top-ups
The Recruit new-user offer runs through October 31, 2026. During the campaign period, you must enter using the Recruit ID linked to COIN+, newly register a bank account, apply for and pass identity verification, complete the required ID link, and add a cumulative total of at least ¥15,000 through AirWALLET.
The reward is ¥2,000 in COIN+ balance, scheduled for late November. App download or account creation may have occurred before the campaign, provided the remaining eligibility conditions are met. The top-up requirement is cumulative: several qualifying top-ups can count toward ¥15,000. Spending all of that money is not a condition of this top-up reward.
Identity verification or top-ups completed in other COIN+-enabled apps, such as MUJI, may not qualify. Use AirWALLET for the relevant steps and retain your records. The official terms allow this offer to be combined with the referral program, but each program’s deadline and eligibility still apply separately.
If you entered the MUFG first-top-up campaign on or after August 25, 2026, you are excluded from this ¥2,000 offer. Other identity-verification rewards and certain account-opening routes also trigger exclusions. Check your previous participation before entering.
Check the ¥2,000 top-up offer and enter →
Route B: up to ¥5,000 for your first top-up from MUFG
MUFG’s separate campaign runs from June 1, 2026 to March 31, 2027. It is for people who have never topped up COIN+ from a MUFG bank account. Previous top-ups from a different bank do not, by themselves, disqualify you.
You need the required bank registration and identity approval, campaign entry, and your first MUFG-funded top-up through AirWALLET. Unlike Route A, this reward depends on the amount of your first transaction, not a cumulative total:
| First MUFG top-up | COIN+ balance reward |
|---|---|
| ¥5,000 to less than ¥10,000 | ¥1,000 |
| ¥10,000 to less than ¥30,000 | ¥2,000 |
| ¥30,000 or more | ¥5,000 |
For example, a first top-up of ¥5,000 followed by ¥25,000 does not qualify for the ¥30,000 tier. Entry and the first top-up can occur in either order within the campaign period, but the phone number used for entry must match your COIN+ registered number. The reward is scheduled for the end of the month after you meet all conditions.
Accounts created through MUFG’s smart account-opening route can qualify for this MUFG offer subject to its terms, even though that route is excluded from the referral and Recruit ¥2,000 offers. Do not add the ¥5,000 MUFG reward to the ¥2,000 Recruit reward. Read MUFG’s official first-top-up conditions.
Use QR and Visa cashback for different purchases
15% QR/barcode cashback: up to ¥500
From October 1 through November 2, enter the campaign, link your Recruit ID, and pay at eligible merchants using COIN+ QR/barcode payments inside AirWALLET or the MUFG banking app. New and existing users can qualify.
The reward is 15% of your total eligible spending, rounded down to the nearest yen, with a ¥500 cap. Eligible spending of ¥3,334 reaches that cap. Cashback is scheduled for early December as COIN+ balance.
COIN+ payments made inside the MUJI or Hot Pepper Beauty apps are excluded from this round. Some COIN+-accepting stores are excluded too, so check the official merchant list. Gift cards, electronic-money top-ups and bill-payment slips are not ordinary eligible retail purchases. See QR campaign entry and exclusions.
If you already plan to shop during MUJI Week, separate the membership discount from your payment method: showing a MUJI membership screen does not mean you should pay through the COIN+ feature inside the MUJI app.
20% first-time AirWALLET Visa cashback: up to ¥1,000
This offer also ends November 2. Its key condition is no completed payment with your AirWALLET Visa card before October 1 at 00:00. You can be an established AirWALLET user with an already-issued but unused Visa card and still potentially qualify. A payment completed before the campaign and subsequently cancelled still counts as previous use.
After entry, identity verification and Recruit ID linking, eligible virtual- and physical-card spending is combined. The reward is 20%, capped at ¥1,000, so ¥5,000 in qualifying purchases reaches the cap. Payment is scheduled for early December in COIN+ balance.
- Excluded transactions include gift cards, transit IC/e-money and other payment-service top-ups, subscriptions, certain readily resold goods and financial products. Refunds and cancellations do not earn cashback.
- If a Bonus Challenge offering ¥1,000 for a Visa payment of at least ¥2,000 appears for your account from October 2, your payments from October 2 onward are excluded from this 20% offer.
- Users eligible for the separate age-19-and-under benefit tied to identity verification between October 30 and November 20 are also excluded.
- Merchant sales data arriving more than 30 days after the campaign ends can make a payment ineligible. Take particular care with reservations and delayed charges.
The physical Visa card has a ¥900 issuance fee and no annual fee. If you order it solely to earn the ¥1,000 capped reward, only ¥100 remains after the issuance fee, before considering other costs. For online shopping, check whether the virtual card already meets your needs instead. Official Visa card features and fees / 20% cashback entry and full exclusions.
A realistic example: ¥900 back on ¥5,000 of shopping
Suppose you meet both offers’ conditions and make ¥2,000 in eligible QR payments plus ¥3,000 in eligible Visa purchases. The rewards would be ¥300 and ¥600, giving a total of ¥900. You do not receive 35% on the combined ¥5,000.
To reach both caps, you would need ¥3,334 in eligible QR purchases plus ¥5,000 in eligible Visa purchases: ¥8,334 total spending for ¥1,500 in balance rewards. This example excludes referral points, top-up rewards, prize draws and card fees. Refunds or excluded transactions reduce the qualifying amount. Plan around purchases you need rather than buying more simply to reach a cap.
A practical checklist, from registration to payout
- Check your history: identity approval date, completed AirWALLET Visa payments, previous MUFG top-ups and entry into other identity-verification promotions.
- Choose your top-up route: compare the Recruit ¥2,000 offer with MUFG’s first-top-up tiers before transferring money.
- Enter the referral code and link your IDs: verify both the COIN+/Recruit link and the Recruit/Ponta link.
- Enter each applicable campaign: top-up, QR and Visa campaigns have separate pages. Confirm that you are logged into the Recruit ID linked to COIN+.
- Keep evidence: save entry confirmations, top-up dates and amounts, and eligible purchase records.
- Maintain the required account links until payout: avoid closing accounts or removing the bank account early, and leave room under COIN+’s ¥300,000 balance limit.
| Reward | Expected timing | Where to check |
|---|---|---|
| 300 referral points | Late November 2026 | Linked Recruit ID point history |
| ¥2,000 new-user top-up reward | Late November 2026 | COIN+ balance/history |
| QR and Visa cashback | Early December 2026 | COIN+ balance/history |
| MUFG first-top-up reward | End of the month after all conditions are met | COIN+ balance/history |
Check referral points in your Recruit point history, not only in the AirWALLET balance screen. Your 300 Ponta points and any COIN+ balance rewards arrive through different systems.
COIN+ supports fee-free withdrawal to your own registered bank account, but it is not always instant. Same-business-day withdrawals require an application before 10:00; weekends, public holidays and year-end dates follow a different schedule. Withdrawing a balance is different from deleting an account or breaking an ID link, which may invalidate a pending reward. Official top-up and withdrawal notes.
Identity approval normally takes the same day to around a week, but it can take longer. Night-time applications are generally processed from the following day, and the official FAQ says reviews cannot be expedited. Check the official identity-review guidance. If the October 26 referral deadline is too close, assess the later offers separately instead of assuming every promotion is already out of reach.
Review the referral requirements before you start →
Frequently asked questions
Is entering the referral code enough to earn 300 Ponta points?
No. You must also meet the bank registration, identity approval and Recruit ID linking requirements within the campaign period. The inviter must enter this campaign, and Ponta membership linking is required to receive the points.
Can I add a referral code after creating my account?
Yes, within the campaign period. Open 設定・アカウント in AirWALLET, then 友だち招待 or 招待コード入力. Adding the code does not extend the deadline for identity approval or the other conditions.
Do I have to spend the entire ¥15,000 top-up?
No. The ¥2,000 new-user offer is based on qualifying top-ups totalling at least ¥15,000. Spending cashback is a separate promotion and depends on eligible purchases.
Can the 15% QR offer and 20% Visa offer give me 35% on one purchase?
No. They apply to different payment methods. Each has its own eligibility, entry requirement, qualifying spending and cap.
Can existing AirWALLET users participate?
Existing users can qualify for the QR offer. The Visa offer depends on whether you completed an AirWALLET Visa payment before October 1. The MUFG offer depends on whether you have previously topped up COIN+ from a MUFG bank account.
Can I receive both the ¥2,000 top-up reward and the ¥5,000 MUFG reward?
Do not add them together. Entry into the MUFG first-top-up campaign on or after August 25, 2026 excludes you from the Recruit ¥2,000 new-user top-up offer.
Last checked: October 25, 2026. Campaign periods and conditions can change. Confirm the relevant official page and in-app notices before participating; individual eligibility is determined by the campaign operator.
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