Sumitomo Mitsui Trust Bank Group's Diners Club Card can be used not only for personal use but also for business
There are various preparations that you should make before starting a business, among which are cash flow, expense reimbursement, and clerical work. "Prepare a credit card" is important in terms of reducing man-hours. That said, you can't make cards for corporations before you start your business. Therefore, this time, we will introduce the "Diners Club Business Account Card", which can be used not only in private but also in the business scene, and the "Diners Club Business Card", which is recommended after starting a business. Introducing
Contents of this article
1. If you want to start a business, get a credit card before you start your business
One of the things that aspiring entrepreneurs want to prepare before incorporation is a “credit card”. In general, after incorporation, social credibility is poor and it becomes difficult to make a credit card. By making a credit card while you are not a legal entity, such as doctors, lawyers, certified public accountants, and company employees, you can make your cash flow smoother after establishment.
1-1. Advantages of credit cards
Because credit cards are deferred payments, it is easier to manage funds. Another attractive feature is If the card has a borrowing limit, you can borrow money within the limit. It may take time for the business to get on track, and it can be used when funds are scarce. Furthermore, by linking with accounting software, transaction details can be automatically imported into accounting software, making expense management much easier.
In addition, credit card companies offer point services and various benefits according to the amount used on the card. It is also a nice point that you can use the accumulated points and use discounts.
2. "Diners Club Business Account Card" that you should apply for before starting a business
The Diners Club Card is a card that allows you to receive various Diners Club services. Regarding the enrollment of the main member, the annual membership fee is 24,200 yen (tax included). The annual membership fee for family members is 5,500 yen (tax included). There is no uniform limit on the card usage limit, and each member is set individually by checking the usage status and payment record.
Business Account Cards can be added to the primary Diners Club card for an annual fee of ¥2,200 (including tax). It is recommended for those who want to manage business expenses efficiently.
*Please note that the annual fee billing for business account cards is set separately from the annual fee billing month for personal cards.
2-1. Attractiveness of the "Business Account Card"
With the Business Account Card, you can set up an account separate from the main membership card (a corporate account is also possible) for payment. increase. In addition, since usage fee details are issued separately from the main membership card, not only will administrative processing become more efficient, but you can also expect the effect of preventing transportation expenses and other expenses from being overlooked. You can reduce the burden of tax return is also a nice point.
Business Account Cards are labeled "Business", but they can be issued by non-legal business owners such as doctors, lawyers, and certified public accountants. You can earn Diners Club Rewards points for the amount you use, and you can combine the points on your main membership card and points on your business account card. In addition, up to 5 ETC cards can be issued for one business account card.
*The service is as of 8/30. Please check the Diners Club website for the latest services.
3. Diners Club Business Cards to have after starting a business
3-1. What is a Diners Club Business Card?
Diners Club Business Cards are for business owners only Instead of , it is a card to support business professionals, recommended for sole proprietors and company executives. You can pay for company expenses, earn points, and use Diners Club services and unique services that are useful for your business.
Guideline for membership is , the main member is 27 years old or older, and is a representative or director of a corporation or organization, or a sole proprietor. An additional member is an officer, employee, or employee of a corporation or sole proprietor of which the principal member serves as a representative or director, and is 18 years of age or older. The annual membership fee for the main member is 29,700 yen (including tax), and additional members are free. There is no uniform limit on the usage limit, and it is set individually according to the usage status and payment history of the primary member.
3-2.Business card points
You can use your business card to pay for a variety of company expenses, such as equipment purchase costs and utility bills. Additional cards are issued free of charge, and the amount of points spent on the additional card will be added to the amount of use of the basic card, making it easier to accumulate points. Accumulated points do not expire and can be redeemed at any time.
3-3.Attractive business benefits
The Diners Club business card is linked with the accounting software "freee", and the card usage data can be imported from Club Online. Bookkeeping, blue returns, and preparation of financial statements can be simplified. In addition, Diners Club business card members are with benefits for two months of paid plans for the first year. In addition, you can receive the "Diners Club Business Lounge" service that allows you to use the Diamond Management Club "Ginza Salon". To use, simply present your Diners Club business card at the entrance. You can freely use the vacant seats after entering the room. For details such as access and address, please refer to "4-3. Diamond Manager's Club 'Ginza Salon' can be used as a Diners Club business lounge" below.
And in the "Diners Club Business Offer", we have prepared a special program for member stores that can be used in the business scene. G-search Co., Ltd.'s "Company Information/Bidding Information Service" monthly membership fee of 330 yen (tax included) is free, as well as health checkups, fitness, legal consultation (legal advisory contract), tax consultation, You can receive various benefits such as mail order for labor and personnel management.
In addition, we hold special events and seminars for Diners Club Business Cardholders. One of the attractions is that there are many nice benefits that are useful in the business scene.
In addition to preferential treatment, there is also a full range of insurance attached to the card. The Diners Club business card includes not only domestic and overseas travel accident insurance, but also golfer's insurance. It is safe for overseas business trips and golf at work. Please check the Diners Club website for details on insurance.
*The service is as of 8/30. Please check the Diners Club website for the latest services.
4. Diversity of Diners Club Services
Diners Club has a Travel Desk that can arrange domestic and international air tickets and hotel reservations with a single phone call. mark>" and reservations for various genres of restaurants and Japanese restaurants, as well as "Executive Dining" where 2 or more people use the specified course meal at the target restaurant and one person is free. ”, and “Prince Golf Resorts Special Benefits” that can be used at a special price. A variety of special offers are available, such as "reservation". You can make a reservation for a place that suits your timetable for business dinners, and you can enjoy a golf course that is different from your usual course, which is sure to please the other party. Here are some of the rewards programs and entertainment benefits that we would like to highlight.
4-1. Diners Club Rewards Program
Diners Club Rewards points do not expire. This is a versatile and easy-to-use point that can be used not only for items (prize) but also for gift certificates, gift certificates, and travel expenses. Points can be used for Diners Club card usage fees, points can be transferred to linked points such as T points and Rakuten points, and miles can be transferred to airlines participating in Diners Global Mileage. *The annual participation fee for Diners Global Mileage is 6,600 yen (tax included).
4-2. Entertainment Specials
One of the attractions of Diners Club is high-quality entertainment that adds color to your lifestyle. In addition to shopping and ordering, you can receive various benefits such as ticket service, sports club benefits, and free insurance consulting.
4-3. Diamond Management Club "Ginza Salon" can be used as a Diners Club Business Lounge
Members with a business card or business account card can use the card By presenting the card, you can use Diamond Manager's Club "Ginza Salon" as a membership lounge. * Business account cardholders are required to present a business card in addition to the card.
Although it is located in Ginza, the lounge with a calm atmosphere can be used as a base for activities or as a meeting place when going out. A self-service water server is installed in the lounge. In addition to using the lounge as a place for business talks and meetings, you can participate in open seminars at a preferential price and browse various business books from Diamond.
*Currently, it is not possible to view it by holding it in your hand to prevent infection.
[Diners Club Business Lounge: Ginza Salon]
*Since the lounge is for business purposes, light clothing is not permitted. *The salon may not be available for private use, so please check the usage status on the official website of the Ginza Salon when using it. You can freely use the vacant seats after entering the room. *Please note that members who have a business account card cannot use the services attached to the business card other than the business lounge.
Credit cards that support your business
The "Diners Club Business Account Card" and "Diners Club Business Card" are reliable credit cards that strongly support your business. . If you are thinking of starting a business or have just started a business, we will send you more detailed materials than the founding notebook. Consider a Diners Club card.
Request more information(supervised by Sumitomo Mitsui Trust Club Co., Ltd.) (edited by Founding Handbook editorial department)
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