Mitsui Sumitomo Card (NL) × Point Activity 2026 — Up to 7% at Convenience Stores & Free Gold
The Mitsui Sumitomo Card (NL): high payout × everyday high cashback
The Mitsui Sumitomo Card (NL = Numberless) is a high-value point offer (5,000–13,000 yen to issue) while also having everyday strength: up to 7% cashback via smartphone touch payment at eligible convenience stores and restaurants. Gold NL further becomes free for life at 1M yen/year of use + 10,000 pt. This article organizes issuance point activity and how the 7% cashback and gold-fee waiver work. It's an individual breakdown from the card-issuance chapter.
2 core values of NL
- A high-value point offer: 5,000–13,000 yen for issuance + conditions. Payout varies by site, so compare on Pointnavi.
- Everyday high cashback: up to 7% via smartphone touch payment at eligible convenience stores and restaurants. You earn V Points.
A two-stage use: "earn the issuance reward via point activity → 7% at convenience stores day-to-day." The more you use convenience stores and McDonald's, the bigger the standing-cashback benefit after issuance. Moppy leads on payout in many months (Moppy guide).
How the 7% convenience-store cashback works
Up to 7% requires "an eligible store + smartphone touch payment." Just inserting/tapping the physical card lowers the rate — be careful.
- Eligible stores: 7-Eleven, Lawson, McDonald's, Saizeriya, etc.
- Condition: pay via Visa / Mastercard touch payment registered on your phone
- Family points etc. can add a further +α
※ The rate, eligible stores, and caps can be revised, so confirm the latest officially.
Waiving the Gold NL fee
The Mitsui Sumitomo Card Gold (NL)'s biggest appeal is "free for life at 1M yen/year of use + 10,000 points." Consolidate fixed costs (utilities, telecom, subscriptions) onto gold and 1M is surprisingly reachable. See the gold-card chapter and fixed-cost chapter.
- Recoup the issuance reward via point activity8,000–15,000 yen.
- Consolidate fixed costs onto goldAim for 1M yen/year of use.
- Achieve it: free for life + 10,000 ptEffectively free, high-cashback from the next year.
FAQ
Does the 7% apply with the physical card?
Regular NL or Gold NL — which?
What can I do with V Points?
This article was written from publicly available information on each point site as of May 2026. Cashback rates, campaign terms, and redemption rules can change without notice — always check each site's official page for the latest. This site uses each point site's referral program, but going through a referral link never changes the rate you receive.