Good morning, it’s まさきん.
I was thinking about tidying up my bank accounts when Rakuten Bank’s account-opening and Rakuten Card campaign caught my eye. The “up to 35,000 points” label got my attention, so I checked the conditions.
What type of campaign is this
Going by the campaign types I sorted out before, this one combines the new-contract perk category with the combined-service perk category.
Just like the 25th-anniversary campaign back in August, the rebate amount stacks up depending on how much you use the target services. This time, besides opening an account, your average balance and your Rakuten Card settings are also part of the conditions.
The reward is split into three perks
There are three stages. First, opening an account and depositing at least 60,000 yen at once gets you 3,000 points.
Second, up to 30,000 points are added depending on your average yen ordinary deposit balance: 1,000 points for 500,000 yen or more, 3,000 points for 1 million yen or more, 10,000 points for 3 million yen or more, and 30,000 points for 10 million yen or more.
On top of that, setting up Rakuten Card as your payment method and meeting the conditions gets you 2,000 points. This one is also open to people who already have an account.
Rakuten Mobile, one of the target services, is also something you can sign up for through my referral. Switching over gets you up to 14,000 points, so if you haven’t looked into it yet, it’s worth checking out too.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
What was a little confusing
The 30,000-point tier requires an average balance of 10 million yen. For most people, the realistic perk is probably more in the 1,000-to-3,000-point range.
Another thing worth noting is that each perk has a different deadline. The account-opening application closes on October 30, the deposit deadline is November 30, and the Rakuten Card setup deadline is November 10 — three separate schedules.
Signing up for the Happy Program also needs to be done by the end of November, and that’s a condition common to all three perks.
Perks 1 and 2 are judged automatically once you meet the conditions. Perk 3’s card setup, on the other hand, requires a separate application step of its own.
Things worth checking before you apply
First, check whether you’ve completed the account-opening application by October 30. Miss the deadline, and both perk 1 and perk 2 are off the table.
Second, treat the November 30 deposit deadline and the November 10 Rakuten Card setup deadline as two separate schedules. Trying to handle both on the same day seems like an easy way to miss one.
Also worth confirming is your Happy Program entry status, by the end of November.
If you already have an account, it’s also worth checking that you’re excluded from the standing campaign that gives you 1,000 points just for depositing.
Summary
This campaign stacks up to 35,000 points across three stages: opening an account, your balance, and your card settings. The average-balance condition is fairly high, so it’s worth considering at your own pace.
The conditions and the period are both subject to change. Please check the official site before applying.
While I’m reviewing my accounts and cards, it seems like a good time to check my Rakuten Mobile line too. Through my referral, switching gets you 14,000 points.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
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