Who operates Point Income?

Ceres Inc., which also operates Moppy. One company runs both as separate brands. Point Income has been running for over 17 years and has more than 5 million registered members.

If Moppy has the same operator, is one of them enough?

No. The operator is the same but the listed offers and their rates are separate, and an offer existing on one but not the other is routine. Both are free to join, so registering with both and taking whichever pays more for a given offer wastes nothing.

What is a Point Income point worth?

Ten points are worth one yen. An offer showing 50,000pt is worth about 5,000 yen. Read it with Moppy's 1P per yen or Hapitas and Chobirich's 1pt per yen in mind and the figures look ten times larger, so dropping one zero is the easiest way to convert.

How much is the Point Income referral bonus?

2,000 points in total, which is 200 yen. Registering through a referral URL credits a 1,000 point sign-up bonus immediately, and redeeming points for the first time by the end of the month three months after registering credits a further 1,000 points about an hour after redemption. This is smaller than the sign-up bonuses at Moppy, Hapitas and Chobirich. Separately, the official referral page also advertised a Start Dash campaign giving 20,000 points for registering and using offers totalling 50,000 points or more, plus a Welcome Mission limited to the first 30 days.

Do Point Income ranks ever drop?

No, because ranks are based on lifetime points earned. Regular covers 0 to 2,999 points, Silver 3,000 to 49,999 points with a 2% bonus, Gold 50,000 to 99,999 points with 5%, and Platinum 100,000 points and above with 7%. The official site describes it as a rank system that does not fall once you have moved up. The separate top tier, Diamond, is assessed on recent activity and does have renewal conditions.

How do you reach Diamond on Point Income?

You need 10 or more percentage-rate offers approved, and 100,000 points or more approved, across the current month plus the previous two. Meeting that grants Diamond status for three months from the 1st of the following month, extended if you meet it again during the period. Benefits are a 15% rank bonus on percentage-rate offers, up to 30% on fixed-amount offers and up to 30% on the offer-usage bonus, but rank bonuses are capped at 100,000 points per month and some offers are excluded.

What guarantee schemes does Point Income have?

Three, collectively called the Income Guarantee. The shopping guarantee splits into one scheme for when you received the item but no pending entry appeared, and another for when a pending entry appeared but the approval window passed without points. There is also an official-site guarantee for official offers, and an app guarantee for offers carrying the app-guarantee icon, which pays within around 10 business days. None of them require a particular membership rank.

What is the minimum Point Income redemption?

500 yen, which is 5,000 points. There are over 50 destinations across six categories: cash, transfer and payment services, gifts and vouchers, other loyalty points, other, and Point Income merchandise. Individual rates and fees are shown on the redemption page after logging in.

Can I see Point Income's offers without registering?

No. Searching the site while logged out returns zero results. Moppy, Hapitas, Powl and Chobirich all let you check offers and rates before registering, so this is a drawback if you want to compare before choosing where to sign up.

Why might points fail to register on Point Income?

The official cautions list using an environment outside the recommended one, using private browsing, switching your connection before meeting the conditions, and using public Wi-Fi or another connection shared with several people. For app offers it further states that only one account per connection is eligible, and that having clicked or viewed the same offer on another site in the past may disqualify you.

Is Point Income safe to use?

It is operated by Ceres Inc., has been running for over 17 years, has more than 5 million members and holds Privacy Mark certification. The problem people actually hit is cashback failing to track, and that is covered by three guarantee schemes, none of which require a membership rank.

Any tips for not missing the 1,000 point redemption bonus?

The deadline is the end of the month three months after you register, so note it in your calendar on the day you sign up. Since the minimum redemption is 500 yen or 5,000 points, the shortest path is to complete one offer that clears 5,000 points and redeem once inside the window.

Point Income Referral Code: A Rank That Never Drops

👍🏻 0 🤍 0

Key Takeaways: Point Income is run by Ceres Inc., the same company behind Moppy, with over 5 million members and 17 years in operation. Ranks are set by lifetime points, so hitting Platinum at 100,000pt locks in a +7% bonus permanently. Three guarantee schemes cover shopping, official-site and app offers with no rank requirement. The referral bonus is 2,000pt (¥200).

Three guarantees, no rank required

+7% (Platinum rank bonus)

Point Income wins on a rank that never drops and three guarantee schemes

Run by Ceres Inc. — the same company behind Moppy. Over 5 million members, 17+ years in operation.
Ranks are set by your lifetime point total, so once you move up, you never move back down (up to Platinum).

What this guide covers

The operator is Ceres — the same company as Moppy, which answers “is there any point joining both?”
Ranks are based on lifetime points, so they never drop — the opposite design to Chobirich’s rolling six-month assessment
Three guarantee schemes, and none of them require a rank (Powl’s App Guarantee needs Silver or above)
The referral bonus is 2,000pt = ¥200 — honestly the smallest of the five. But a separate campaign is much larger
⚠️ You cannot see any offers without registering — a real drawback the other four don’t have

Contents

What Point Income is — same operator as Moppy
The referral bonus is 2,000pt (¥200)
Step by step, from sign-up to the bonus
Ranks — lifetime points, so they never drop
Three guarantee schemes, with no rank requirement
Compared with Moppy, Hapitas, Powl and Chobirich
Getting your points out
How to earn efficiently
Stacking it with everyday shopping
Watch-outs — when the guarantees stop applying
The same offer pays differently on different sites
Who it suits, and who it doesn’t
Frequently asked questions
Sources
Summary

What Point Income is — same operator as Moppy

Point Income is run by Ceres Inc. (株式会社セレス). That is the first thing worth knowing, because Ceres also operates Moppy. One company runs two separate point-site brands.

Operator	Ceres Inc. (same as Moppy)
Years in operation	17+
Members	Over 5 million
Point value	10 points = ¥1
Minimum redemption	¥500 (= 5,000pt)
Redemption options	Over 50, some in real time
What’s unique	A rank that never drops (up to Platinum) / three guarantee schemes / Privacy Mark certified

“Same company, so surely one is enough?” — no. The operator is the same, but the listed offers and their rates are entirely separate. An offer existing on Moppy but not on Point Income (and vice versa) is routine. Both are free to join, so keep both and take whichever pays more for the offer in front of you.

How to read 10 points = ¥1. Same as Powl: “50,000pt” means about ¥5,000. Read it with Moppy’s 1P = ¥1 or Hapitas and Chobirich‘s 1pt = ¥1 in mind and everything looks ten times bigger — drop one zero to convert.

If Japanese point sites are new to you, start with our introduction and guide to spotting the risky ones.

The referral bonus is 2,000pt (¥200)

Let’s be straightforward: Point Income’s referral sign-up bonus is smaller than its rivals’. The official referral page lists two components for the person joining, totalling 2,000pt = ¥200.

Bonus	You (the reader)	Condition and timing
Sign-up bonus	1,000pt	Register via a referral URL. Credited immediately after registration
Redemption bonus	1,000pt	Redeem points for the first time by the end of the month three months after registering. Credited about an hour after redemption

Site	Referral sign-up bonus
Hapitas	Up to 2,300pt = ¥2,300
Chobirich	Up to 2,150pt = ¥2,150
Moppy	Up to 2,000P = ¥2,000
Powl	Up to 3,300pt = ¥330
Point Income	2,000pt = ¥200

But a separate campaign is far bigger. Alongside the referral bonus, the official referral page was also advertising a “Start Dash” campaign — register during the period and use offers totalling 50,000pt or more to receive 20,000pt (¥2,000) — plus a Welcome Mission limited to your first 30 days (as of 12 August 2026). Don’t judge Point Income on the ¥200 alone.

Campaigns run for limited periods and their terms change. Always check the conditions shown on the registration and campaign pages yourself. The figures here are a guide.

Step by step, from sign-up to the bonus

Register through the referral linkUsing the button below counts as a referral, and the 1,000pt sign-up bonus lands immediately after you register.
Browse offers — which only becomes possible nowPoint Income does not let you search offers while logged out. After registering, look through the site to see whether there is anything you can realistically complete.
Use an offer and meet its conditionsCompleting everything in the browser is safest. Do not switch network connections partway through (see below).
Check for the pending entry in your point statementIf it never appears, that is what the guarantee schemes are for.
Redeem once before the deadlineThat releases the 1,000pt redemption bonus. The minimum is ¥500 (5,000pt), so the quickest route is one offer that clears 5,000pt.

📖 Read Guide

Point Income Over 5 million members! Popular Japanese point site

Ranks — lifetime points, so they never drop

Point Income sets your membership rank by lifetime points earned. That is the decisive difference from the others: a lifetime total can only go up, so a rank you reach is never taken away (the official wording caps this at Platinum).

Point Income membership rank table showing bonuses of 2% for Silver, 5% for Gold and 7% for Platinum based on lifetime points — The official rank table (as of 12 August 2026). The condition column literally reads “**lifetime** points earned”.

Rank	Bonus	Condition (lifetime points)
Regular	—	0–2,999pt
Silver	+2%	3,000–49,999pt
Gold	+5%	50,000–99,999pt
Platinum	+7%	100,000pt and above

At 10pt = ¥1, Platinum’s 100,000pt threshold means ¥10,000 earned in total. A handful of credit card or brokerage offers gets you there — and once you arrive, the +7% applies from then on.

The opposite design to Chobirich. Chobirich reassesses ranks monthly on the previous six months, so quiet months push you back down (with a permanent-Gold escape hatch once you’ve hit Platinum and been a member a year). Point Income’s lifetime model means there is no demotion to worry about at all. If you use point sites in bursts rather than continuously, this suits you better.

Above that sits Diamond

Separate from the standard ranks is Diamond, and this one is assessed on recent activity rather than lifetime totals.

Item	Detail
Condition	Over the current month plus the previous two, have 10 or more percentage-rate offers approved and 100,000pt or more approved
Duration	Three months from the 1st of the following month. Meeting the condition again during that window extends it
Benefit 1	Rank bonus on percentage-rate offers rises to 15%
Benefit 2	Rank bonus on fixed-amount offers rises to up to 30%
Benefit 3	Offer-usage bonus rises to up to 30%

Diamond’s benefits come with caps and exceptions. Rank bonuses are capped at 100,000pt per month, and some offers are excluded entirely. On eligible offers the fixed-amount rank bonus ranges from 7–30% and the offer-usage bonus from 10–30%. It is not a flat 30%.

Three guarantee schemes, with no rank requirement

The most common frustration with point sites is cashback that never tracks. Point Income addresses this with what it calls the Income Guarantee, and it is split into three schemes.

Point Income guarantee page showing three schemes: shopping guarantee, official site guarantee and app guarantee — The official guarantee page, stating plainly that there are three schemes (as of 12 August 2026).

Scheme	Covers	When it applies
Shopping guarantee	Shopping offers	① You received the item but no pending entry appeared ② A pending entry appeared but the approval window passed without points
Official site guarantee	Official-site offers	An approval fails to register correctly
App guarantee	Offers marked with the app-guarantee icon	You met the conditions but no approval appeared. Paid within around 10 business days

This is where the practical value sits. Powl‘s App Guarantee is limited to Silver and Gold members, so new joiners cannot use it. Hapitas‘s Purchase Guarantee covers product-purchase offers only. Point Income has no rank requirement and covers shopping, official-site and app offers — the broadest safety net of the four.

The two shopping guarantees stack. The official page states that even if a pending entry is added through the first scheme, you can then file under the approval guarantee and still have the points guaranteed. You are not limited to a single rescue.

Compared with Moppy, Hapitas, Powl and Chobirich

We cover Moppy, Hapitas, Powl and Chobirich in the same depth. Lined up, Point Income’s position is clear.

Dimension	Moppy	Hapitas	Powl	Chobirich	Point Income
Operator	Ceres	OZvision	PTX	Chobirich	Ceres (same as Moppy)
Point value	1P = ¥1	1pt = ¥1	10pt = ¥1	1pt = ¥1	10pt = ¥1
Members	14 million+	6.3 million+	7 million+	5 million+	5 million+
Referral sign-up bonus	Up to ¥2,000	Up to ¥2,300	Up to ¥330	Up to ¥2,150	¥200
Rank system	—	—	Monthly	Rolling six months	Lifetime — never drops (+2–7%)
Guarantee	Via support	Product purchases only	App only, Silver+	Shopping guarantee	Three schemes, no rank
Offers visible before joining	Yes	Yes	Yes, with conditions	Yes	No

There is no per-offer rate table in this article. Point Income does not allow offer searches while logged out — searching for “SBI証券” returns “0 results” — so there are no published rates to quote. The other four let you see offers and rates before registering, which makes this a clear disadvantage if you want to compare before choosing where to sign up. Check the rates yourself after registering.

How to split them: for the largest sign-up bonus, Hapitas, Chobirich or Moppy; to avoid heavy conditions like deposits, Powl or Chobirich; and if you are in it for the long run, don’t want to lose a rank, and want broad guarantee coverage, Point Income. All are free to join, so comparing conditions and amounts offer by offer costs nothing.

Getting your points out

There are over 50 redemption destinations, grouped by the site into six categories. 10pt = ¥1, with a ¥500 (5,000pt) minimum, and some options credit in real time.

Category	What it covers
Cash	Bank transfer
Transfer and payment services	Top up e-money or QR payment balances
Gifts and vouchers	Digital gift codes and in-store vouchers
Other loyalty points	Shared points programmes and airline miles
Other	External services and products outside the categories above
Income goods	Point Income’s own merchandise

Individual rates, minimums and fees per destination are only visible on the redemption page after logging in. This article covers only what the site publishes openly — check the current terms yourself before redeeming.

Set your first target at 5,000pt. That is both the minimum redemption (¥500) and what you need to trigger the 1,000pt redemption bonus, which requires a first redemption by the end of the month three months after you register. One offer that clears 5,000pt, redeemed inside the window — that is the shortest path.

One more site uses the same 10pt = ¥1. Gendama matches Point Income’s rate but sets a lower cash-out line at 3,000pt (¥300), and you can read its offers and conditions before registering — something Point Income does not allow. It also carries more free content and pays 1% annual interest on points held. Against that, it publishes no guarantee scheme or membership ranks, and no sign-up bonus for the reader could be confirmed. If guarantees are your priority, staying with Point Income is fine.

How to earn efficiently

1. Aim for 100,000 lifetime points (¥10,000) first

Because ranks are lifetime-based, earning hard early gets you to Platinum (+7%) sooner and you never fall back. Front-loading large offers like credit cards and brokerage accounts is the rational play.

2. Put the redemption deadline in your calendar on day one

The 1,000pt redemption bonus expires at the end of the month three months after registration. It is easy to miss — note it the day you sign up.

3. Don’t switch networks partway through

The official notes state that switching your connection before meeting an offer’s conditions can stop points registering. Don’t hop between Wi-Fi and mobile data mid-flow.

4. Be careful with app offers and your connection

For app offers, only one account per connection is eligible, and having clicked or viewed the same offer on another site in the past can disqualify you. Worth knowing if your household shares one line.

5. Compare big one-off offers against direct referrals

Cards, mobile contracts and brokerage accounts pay a lot per application, and going direct sometimes beats any point site:

Rakuten Mobile employee referral (14,000pt for MNP, 11,000pt for a new number)
Marriott Bonvoy American Express Premium (111,000 points via referral)
American Express Gold Preferred (referral welcome offer)
Rakuten Card sign-up guide — 11,000pt via referral, or 31,000pt applying with Rakuten Mobile

⚠️ A card’s official welcome offer and its point-site offer are often mutually exclusive. Where the same card appears in both, only one may count — compare and take the higher entry point.

Worth seeing the site that takes the opposite approach to ranks and guarantees. Point Town assesses ranks over six months, so they fall — the reverse of Point Income’s lifetime model. Its guarantee is also limited to marked offers, where Point Income’s three schemes need no rank at all. In exchange, Point Town runs 1pt = ¥1 with a ¥100 practical minimum (against ¥500 here) and shows its offers without logging in, which Point Income does not.

Stacking it with everyday shopping

Buying through Point Income earns on top of whatever the retailer gives you natively, and that stacks with the store’s own sales and points campaigns. The strongest move is “buy through Point Income, on a sale day”. We track the sales daily.

To follow several retailers in one place, see our guide to Mottoku, a site I run for exactly that.

Push the rank up early

100,000 lifetime points gets you Platinum, and +7% applies from then on.

Buy with the guarantees in mind

All three work regardless of rank. If the click-through was recorded, you can recover it.

Route it into Welcia Day

Other loyalty points are available too, and Welcia Day on the 20th is a strong exit.

Watch-outs — when the guarantees stop applying

Three guarantee schemes still can’t help if the click-through was never recorded in the first place. Here are the official cautions.

Watch-out	Detail
Using an unsupported environment	Outside the recommended environment, points may not register correctly
Private browsing	Avoid incognito and private windows
Switching networks before completing	Don’t move between Wi-Fi and mobile data mid-flow
Public Wi-Fi and shared connections	Completing conditions on a shared line can disqualify the offer
App offers: one account per connection	Only one account per connection is eligible
App offers: prior views elsewhere	Having clicked or viewed the same offer on another site can disqualify you
No offers visible before joining	Searching while logged out returns nothing — you can only assess the catalogue after registering

If you collect Rakuten points, add Rakuten Rebates as well. Rakuten Rebates is run by Rakuten and pays Rakuten points directly, so there is no exchange step at all. It covers 900+ brand websites that are not on Rakuten Ichiba, such as Uniqlo and the Apple Store. Note, though, that Rakuten Ichiba itself is bonus-exempt and purchases count toward neither SPU nor shop-hopping. It is also weak on high-value card and finance offers, so use it alongside this site rather than instead of it.

The same offer pays differently on different sites

As the comparison showed, the five sites differ in design, and the same offer pays differently across them — with rates moving daily.

To make that less tedious, I built and run Pointnavi, which compares cashback rates across Japanese point sites.

Compare point-site cashback rates on Pointnavi
For a walkthrough, see the complete guide to Pointnavi.
For the record: it is completely fine if Point Income doesn’t come out on top. The habit of checking before you apply is what pays.

Who it suits, and who it doesn’t

Suits: you’re in it for the long run

Lifetime-based ranks never drop, so a quiet spell doesn’t cost you the +7%.

Suits: you want broad guarantee cover

Three schemes, no rank requirement — the widest of the four.

Suits: you already use Moppy

Same operator, separate catalogues — keep both and take the higher rate.

Doesn’t suit: you’re choosing on sign-up bonus

¥200 is the smallest of the five. For size, see Hapitas or Chobirich.

Doesn’t suit: you want to look before joining

Offers aren’t searchable logged out. Powl publishes even its disqualifiers.

Doesn’t suit: you want a quick small cash-out

The minimum redemption is ¥500 (5,000pt).

Frequently asked questions

Who operates Point Income?: Ceres Inc., which also operates Moppy. One company runs both as separate brands. Point Income has been running for over 17 years and has more than 5 million registered members.
If Moppy has the same operator, is one of them enough?: No. The operator is the same but the listed offers and their rates are separate, and an offer existing on one but not the other is routine. Both are free to join, so registering with both and taking whichever pays more for a given offer wastes nothing.
What is a Point Income point worth?: Ten points are worth one yen. An offer showing 50,000pt is worth about 5,000 yen. Read it with Moppy’s 1P per yen or Hapitas and Chobirich’s 1pt per yen in mind and the figures look ten times larger, so dropping one zero is the easiest way to convert.
How much is the Point Income referral bonus?: 2,000 points in total, which is 200 yen. Registering through a referral URL credits a 1,000 point sign-up bonus immediately, and redeeming points for the first time by the end of the month three months after registering credits a further 1,000 points about an hour after redemption. This is smaller than the sign-up bonuses at Moppy, Hapitas and Chobirich. Separately, the official referral page also advertised a Start Dash campaign giving 20,000 points for registering and using offers totalling 50,000 points or more, plus a Welcome Mission limited to the first 30 days.
Do Point Income ranks ever drop?: No, because ranks are based on lifetime points earned. Regular covers 0 to 2,999 points, Silver 3,000 to 49,999 points with a 2% bonus, Gold 50,000 to 99,999 points with 5%, and Platinum 100,000 points and above with 7%. The official site describes it as a rank system that does not fall once you have moved up. The separate top tier, Diamond, is assessed on recent activity and does have renewal conditions.
How do you reach Diamond on Point Income?: You need 10 or more percentage-rate offers approved, and 100,000 points or more approved, across the current month plus the previous two. Meeting that grants Diamond status for three months from the 1st of the following month, extended if you meet it again during the period. Benefits are a 15% rank bonus on percentage-rate offers, up to 30% on fixed-amount offers and up to 30% on the offer-usage bonus, but rank bonuses are capped at 100,000 points per month and some offers are excluded.
What guarantee schemes does Point Income have?: Three, collectively called the Income Guarantee. The shopping guarantee splits into one scheme for when you received the item but no pending entry appeared, and another for when a pending entry appeared but the approval window passed without points. There is also an official-site guarantee for official offers, and an app guarantee for offers carrying the app-guarantee icon, which pays within around 10 business days. None of them require a particular membership rank.
What is the minimum Point Income redemption?: 500 yen, which is 5,000 points. There are over 50 destinations across six categories: cash, transfer and payment services, gifts and vouchers, other loyalty points, other, and Point Income merchandise. Individual rates and fees are shown on the redemption page after logging in.
Can I see Point Income’s offers without registering?: No. Searching the site while logged out returns zero results. Moppy, Hapitas, Powl and Chobirich all let you check offers and rates before registering, so this is a drawback if you want to compare before choosing where to sign up.
Why might points fail to register on Point Income?: The official cautions list using an environment outside the recommended one, using private browsing, switching your connection before meeting the conditions, and using public Wi-Fi or another connection shared with several people. For app offers it further states that only one account per connection is eligible, and that having clicked or viewed the same offer on another site in the past may disqualify you.
Is Point Income safe to use?: It is operated by Ceres Inc., has been running for over 17 years, has more than 5 million members and holds Privacy Mark certification. The problem people actually hit is cashback failing to track, and that is covered by three guarantee schemes, none of which require a membership rank.
Any tips for not missing the 1,000 point redemption bonus?: The deadline is the end of the month three months after you register, so note it in your calendar on the day you sign up. Since the minimum redemption is 500 yen or 5,000 points, the shortest path is to complete one offer that clears 5,000 points and redeem once inside the window.

Sources

Every figure was checked on Point Income’s official site on 12 August 2026.
• Point Income official site (10 points per yen, ¥500 minimum redemption, 50+ destinations, 17+ years, 5 million members, a rank system that does not drop)
• Point Income referral programme (sign-up and redemption bonus amounts and timing, Start Dash campaign, Welcome Mission)
• Point Income membership ranks and Diamond (tiers and bonus rates, lifetime-point conditions, Diamond conditions and benefits)
• Income Guarantee / shopping guarantee / app guarantee (types, conditions, cautions)
• Recommended redemption destinations (the six categories)
• User guide (how it works, sign-up bonuses, ranks, guarantees)
• The operator is Ceres Inc. Moppy, Hapitas, Powl and Chobirich figures come from those sites and from Pointnavi, which I run.

These numbers move. Offer rates, sign-up bonuses, campaigns and redemption terms can all change without notice. Use the figures here as a guide and confirm the current terms on the official pages before applying.

Summary

Point Income is not the site with the biggest sign-up bonus — ¥200 is the smallest of the five compared here. It earns its place for three other things.

Three reasons to use Point Income

Lifetime-based ranks that never drop (up to Platinum). A quiet spell doesn’t cost you the +7%
Three guarantee schemes with no rank requirement — covering shopping, official-site and app offers. The broadest safety net of the five
Same operator as Moppy, with separate catalogues — so running both and taking the higher rate is the natural approach

Against that, not being able to see offers before registering is a clear drawback none of the other four share. If you want to look before committing, Powl publishes offers, rates and even disqualifying conditions openly.

And once more: check what other point sites pay before you apply. Differences of several thousand yen on the same offer are routine, and as the comparison showed, the underlying designs differ too. Use Pointnavi, which I run, or read our Moppy, Hapitas, Powl and Chobirich guides. That small habit is the most reliably profitable one there is.

Registering through the button below counts as a referral.

About this article: it contains referral programme links. Registering through them gives you the sign-up bonus and earns this site referral points. The bonus you receive is never reduced by going through our referral. All details were confirmed on the official site on 12 August 2026. Terms can change, so please check the official site for current conditions before applying.