Earning 100,000 Yen/Month with Point Activity: The Advanced Strategy

The reality of 100,000 yen a month

100,000 yen a month from point activity is the advanced player's line. Up to 30,000 yen a month, anyone can get there on "habits + high-value offers," but past 100,000 you need a combined strategy: "full use of high-value cards + yearly FX rotation + serious referral operation + family collaboration."

The high-value card strategy

Issue 2–3 high-value annual-fee cards a year (Amex Gold Preferred, JCB Platinum, Diners Club). At 25,000–50,000 yen each = 50,000–150,000 yen a year.

Yearly FX rotation

Run all 6–8 major FX brokers across the year. 15,000–25,000 yen each × 7 brokers = 100,000–170,000 yen a year. Each is new-customer-only, so put it on a once-a-year rotation.

Serious referral operation

Post "how to start point activity" on a blog / X / YouTube → gather sign-ups via your Moppy / Hapitas referral links. Refer 10 a month and you build stock income of 50,000–100,000 yen a month from ongoing rewards.

Family collaboration

Have spouses / parent-and-child each do point activity. Double the household's point-activity earnings. Programs with a family-referral bonus (PointTown / Gendama) are even more advantageous.

Pitfalls

• A 100,000-yen monthly pace exceeds the "200,000-yen tax rule" → always file a tax return
• Multiple card applications lower your credit score
• Margin-management mistakes on FX offers → unexpected losses
• SNS posters should consult a tax accountant (miscellaneous income gets complex)

FAQ