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Epos Card charge points ending in August, what to check this week

ゆいな｜ポイ活で月3万円貯めるOL

Hello, this is Yuina🌸

Last week, while checking my Epos Card statement, I noticed a notification mixed in with the usual ones titled "Regarding the termination of point accrual for payment service charges." Since many people use the Epos Card as a way to double-dip on points by charging services like ANA Pay or Rakuten Edy, I will summarize this change today.

  • You will understand what is changing and when

  • You will understand the scope of the affected charge destinations

  • You will understand what will not change (the scope you don't need to worry about)

  • You will understand what you should check this week

Epos Card charge points, first a review of the premise

The Epos Card was designed to earn Epos points just by charging payment services like Mobile Suica, ANA Pay, and Rakuten Edy, despite having no annual fee. While many cards do not offer points for the act of charging itself, the Epos Card seemed to have become a staple among point-earning enthusiasts as a valuable route for earning points just by charging📱

I also used to charge my Rakuten Edy balance from my Epos Card to double-dip on points. It's not that I can double-dip every time I shop, but I continued this route because I felt like points were steadily accumulating just by charging 10,000 to 20,000 yen at a time each month.

What will change from August 1st?

According to information released by Epos Card on June 1, 2026, point accrual for Epos points will end for charges to payment services and transportation IC cards starting Saturday, August 1, 2026. The revision of the terms and conditions itself is scheduled to be implemented on Friday, July 31, 2026.

The affected services are mainly the following:

  • Transportation IC cards: Mobile Suica, Mobile PASMO, Mobile ICOCA, ICOCA (TOICA model), SAPICA

  • Payment services: ANA Pay, au PAY, Rakuten Edy, Kyash, JAL Pay, TOYOTA WALLET, Vandle Card, V-Preca, BitCash, SoftBank/Y!mobile collective payment (including charges to PayPay balance), etc., totaling 25 services

Hearing that there are 25 services in total might make you brace yourself, but you can just think of it as the act of charging anything from an Epos Card no longer being eligible for points starting in August.

By the way, PayPay is not listed as an individual target item. It is only included if you are charging your PayPay balance via SoftBank/Y!mobile collective payment. The conditions here are detailed, so it is safer to check the official page to see if it applies to how you use it.

While it might seem like a big impact when looking at the number of target services, in most cases, you are likely only charging one or two of these on a daily basis. I recommend starting by checking the scope to see which services you are currently using.

There are also parts you don't need to worry about

Before you get too anxious, let's also check what will not change.

There are no changes to the functions of paying or charging within each payment service itself. What is ending this time is only the point accrual when charging from an Epos Card.

Furthermore, the annual spending amount used to determine annual bonus points for Epos Platinum and Gold members will continue to include these eligible charges. The impact on those who are accumulating spending for bonus points seems relatively small.

In other words, you won't be losing the ability to use the card or suffering a loss; you simply won't earn points on these charges anymore. It is best to think of it as just losing that small extra boost you felt every time you topped up.

Checklist of things to confirm this week

I have organized a list of things you should check this week before August 1st arrives.

  • [ ] Review your usage statement to identify all services you currently top up using your Epos Card.

  • [ ] Compare your services against the list of affected services to see if any of yours are included.

  • [ ] If you top up PayPay, check whether it is done via the 'PayPay Matomete Shiharai' (bundled payment) service.

  • [ ] If you want to continue earning points through top-ups, consider switching to another high-reward card.

  • [ ] There is no problem with continuing to use your Epos Card for regular shopping as you have been doing.

Conclusion

Point policy revisions often look so plain in their notifications that it is tempting to skip reading them. However, as in this case, information regarding your daily top-up habits can sometimes be quietly updated in the format of a standard announcement.

If you have incorporated Epos Card top-ups into your point-earning routine, please take a moment to check your usage statement this week before August begins. It is a task you can finish in five minutes before your commute. ☕️

If you found this article even slightly helpful, please hit the 'Like' button; it encourages me. This was Yuina. 🌸

Reference

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