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Maximize efficiency by using d CARD GOLD for Docomo payments and Platinum Preferred for daily expenses!

2025年10月28日 21:26

Hello.
As a busy dual-income couple, if we have to pay anyway, we want to maximize our savings.
Today, I will explain how to use d CARD GOLD and Platinum Preferred based on my own experience.

Cover the annual fee for d CARD GOLD with Docomo-related fixed costs

I pay for mobile phones (for two people) + Docomo Hikari at a total of 10,000 yen per month. If you consolidate these with d CARD GOLD...

Point rewards: 10% return, about 12,000 points/year
Discount (d CARD payment discount): about 2,244 yen/year
The 11,000 yen annual fee can also be fully covered

Since you can recover the annual fee just by paying for Docomo services, you can use it with peace of mind. Plus, I use d-Barai for small purchases here and there. It would be great to spend 1 million yen to get the bonus, though.

Concentrate daily payments on Platinum Preferred

I consolidate most of my daily expenses, such as household goods, into the Platinum Preferred. In my case, I aim for 3 million yen per year.

Adjust usage by purchasing consumables and daily necessities a little early
- ▶ Blog: Fine-tuning by how you buy consumables
- ▶ Blog: Examples of using Amazon payments
Fine-tuning with gift card charges as well

I also created a family card, which my wife uses for groceries and other expenses.

I'm still thinking about tax payments since they incur fees. Charging auPAY with d CARD GOLD is the most profitable way to pay, but considering the annual usage amount, tax payments are significant... I suppose this varies by municipality.

By doing this, I can maximize my annual points while making household management easier.

Also running investment trust accumulation at SBI Securities in parallel

I am investing 100,000 yen per month in investment trusts at SBI Securities.

Accumulation can also be paid via credit card (1% points with SBI Securities)
Monthly payments are automated, making management easy
Return rate increases when you spend 3 million yen per year

Managing daily payments and investments together dramatically increases household efficiency.

Why split them?

Ensure the annual fee is recovered
- Concentrate d CARD GOLD on Docomo-related services
- Secure value exceeding the 11,000 yen annual fee
Make full use of high reward rates
- Platinum Preferred offers over 3% rewards on daily necessities, Amazon, and gift cards
- Concentrating your spending can make a difference of tens of thousands of yen per year
Compatibility with investments
- By effectively combining SBI Securities monthly contributions with card payments, you can earn points and build assets simultaneously

My practical example

Docomo-related fixed costs → d CARD GOLD
Daily necessities, consumables, Amazon, and gift cards → Platinum Preferred
Monthly investment trust contributions → SBI Securities (100,000 yen per month)

With just this, you can streamline all your fixed costs, daily payments, and investments, and reach your goal of 3 million yen per year without strain.

Summary

Get reliable rewards on Docomo fixed costs with d CARD GOLD
Concentrate payments for daily consumables, Amazon, and gift cards on the Platinum Preferred
Achieve both point rewards and asset building by combining with SBI Securities monthly investments

Points may seem small, but they add up to a big difference.
Precisely because you are a busy dual-income household, let's strategically use cards and investments to create financial leeway and time.