【2026年最新版】auPAYゴールドカードは得なのか？マネ活プランやキャンペーンも！

Summary

The video assesses whether the au PAY Gold Card is worth its ¥11,000 annual fee, focusing on Ponta-point returns for au customers. The card may be worthwhile for households with high eligible au bills, multiple individually contracted family lines, qualifying au Hikari service, or an au “Money Activity” plan. The free standard card is the comparison point.

Main rewards and economics

• Eligible au mobile charges: The Gold Card adds a 9% bonus to the standard card’s 1% return, for up to 10% total. The bonus is calculated in ¥1,000 increments, not per ¥100.
• Household and family lines: A family card can extend the bonus to a family member with a contract in their own name. The first family card is free; subsequent cards cost ¥2,200 per year each.
• Break-even illustration: At ¥10,000 per month in eligible charges, the 9% Gold Card increment produces about ¥10,800 per year, slightly below the ¥11,000 annual fee. At ¥11,000 per month, the example yields about ¥880 net per year after the fee. The presenter says family-card use can improve the case substantially: two ¥8,000 monthly bills produce ¥17,280 in annual bonus points, or ¥6,280 after the annual fee.
• au PAY auto-charge: Eligible auto-charges can earn up to an additional 5%, on top of a stated 0.5% base benefit, depending on qualifying conditions. The extra reward is capped at 1,000 Ponta points per month. At the full 5% rate, ¥20,000 of monthly eligible spending reaches the cap; with a 2% extra rate, the cap is reached at ¥50,000.
• Money Activity plans: The video describes a ¥1,650 monthly cash return to a Jibun Bank account when qualifying au charges are paid with an au card and the account is set for direct debit. It also describes up to ¥2,500 in additional points on eligible shopping. The Gold Card can reach that amount at ¥50,000 of spending, versus ¥250,000 with the standard card’s stated 1% rate.
• Bank balance benefit: The presenter gives examples of monthly point returns tied to Jibun Bank balances: ¥500,000 → ¥550, ¥300,000 → ¥330, and ¥100,000 → ¥110. The video also says eligible ATM and transfer fees are reimbursed the following month.
• Securities investing: For recurring investment-fund purchases through Mitsubishi UFJ eスマート証券 (formerly au Kabucom Securities), the video cites up to 1% in Ponta points on up to ¥100,000 per month with the Gold Card, versus 0.5% for the standard card. It says qualifying Money Activity and NISA-related benefits can raise the total to 2%, and gives up to 18,000 points per year as an example. Eligibility limits apply to portions of this reward.

How to assess whether the card is worthwhile

1. Add up monthly eligible au mobile charges, excluding device payments and other excluded items.
2. Check whether the account meets the conditions for the 9% bonus and whether the bonus is earned in full ¥1,000 increments.
3. Include any eligible family lines, au Hikari charges, Money Activity plan benefits, au PAY auto-charge rewards, and investment-fund rewards.
4. Subtract the ¥11,000 annual fee, plus any fees for additional family cards.
5. Compare the resulting net benefit with the free standard au PAY Card.

Conditions and cautions

• The 9% mobile bonus applies only to eligible plans and generally only to the representative line registered with the au ID; multiple lines do not automatically all qualify.
• Device costs, au Simple Payment charges, consumption tax, and some other charges are excluded from the 9% calculation.
• Older plans may not qualify.
• For au Hikari, the video names au one net and Commufa Net as qualifying providers. It also says the customer must be an au mobile user and have the required au Smart Value setup; UQ mobile alone is not enough.
• The maximum au PAY auto-charge reward requires auto-charge, not an ordinary manual charge, and is subject to the monthly points cap.
• The application requirements described are age 18 or older and regular income for the applicant or spouse. Upgrading from a standard card requires age 20 or older. The video notes that students without regular income may not qualify.
• The presenter emphasizes that the 9% bonus is awarded per ¥1,000. For example, eligible charges of ¥999 may miss the 90-point bonus that applies at ¥1,000.
• New-member campaign: The video describes up to 10,000 Ponta points. Log in to the card app and make at least three purchases of ¥2,000 or more to earn 2,000 points; spend at least ¥50,000 in total to earn another 8,000 points. Spending must be completed by the end of the second month, including the enrollment month. App login, campaign-email settings, and a registered payment account are also required. Points are described as arriving around the end of the seventh month, including the enrollment month.

Disclosures and source

The presenter says the channel’s views are personal and are not affiliated with au. No explicit “not financial advice” disclaimer appears in the subtitles.

Presenter/source: Unnamed presenter on 元auショップ店員のコスパ好きチャンネル.