It's probably worth it if you are going to spend more than about 3M a year, because then you'll get 60k points, minus the 33k fee = 27k, more than the 15k you'd get on gold. But yeah, that's quite a lot of spending.Tsumitate Wrestler wrote: ↑Fri Apr 11, 2025 12:13 pm SMBC Platinum is a tough sell when the Gold NL is free for life after hitting 1 million yen yearly, once.
It's the only way to transact without a third party, so is the biggest on privacy. I also suspect that small businesses have quite a bigger overhead for card payments, hence why some of them are cash only or require a minimum spend.Deep Blue wrote: ↑Fri Apr 11, 2025 12:10 pm What’s the reason for using cash? Businesses have costs to accept and bank cash, just the same as they do to accept credit cards. It’s a competitive ecosystem for payments in Japan, I don’t think anyone in the payments chain is making any excessive or monopoly-style profits.
