NISA Credit Card Accumulation vs. Orkan – A Comparison of Point Redemption Rates Reveals the Most Cost-Effective Online Securities Firm
The difference is significant because investment trusts have long investment periods!
In response to the legal revisions in March, major online securities firms have successively raised the limits on credit card investment trusts. Credit card investment trusts allow investors to make regular investments in investment trusts through credit card payments, with points being rewarded based on the investment amount. However, the point redemption rates vary among securities firms, and the difference is certainly not negligible. So, which online securities firm offers the best deal now? Let’s hear from financial writer Kenji Matsuoka for an explanation.

The NISA accumulated investment limit of ¥100,000 per month also includes point rewards.
On March 8, 2024, the Cabinet Office Ordinance on Financial Instruments Transactions was revised, raising the upper limit for credit card investment trusts from ¥50,000 to ¥100,000 per month. This adjustment naturally corresponds to the increase in the limit for NISA’s accumulated investment framework, which started this year and is now set at ¥100,000. With this change, it’s expected that many individual investors will increase their NISA investment amounts.
Therefore, it’s worth reiterating the importance of paying attention to the details of credit card investment trusts offered by various online securities firms. Since the point redemption rates vary depending on the company or the credit card used for payment, it’s essential to consider these factors. Additionally, some firms offer holding points based on the amount of investment trusts held. Ideally, one would want to choose the online securities firm where points accumulate most efficiently.
Purchase points for credit card investments and holding points. Let’s compare the redemption rates of five online securities firms using Orkan.
First, I simply summarized the point redemption rate when using a credit card and accumulated points for each online securities company in a table. The accumulated points are set in detail for each investment trust, so it’s endless to compare them individually. Therefore, I used the granting rate when investing in the most popular NISA, “eMAXIS Slim Global Stocks (All Country)” (commonly known as “Orkan”).

For example, in the case of SBI Securities, if you accumulate 100,000 yen each month, you can receive 500 points, which is 0.5% of the amount, at the time of accumulation. Additionally, 0.0175% of the average holding balance for one month after accumulation is separately granted as accumulated points” Since this 0.0175% is an annual rate, the monthly granting rate is approximately 0.0175% ÷ 12 months = 0.001458%.
Looking at this table, it may seem that Monex Securities is the most advantageous or SBI Securities is more beneficial than Rakuten Securities, but it’s not that simple. Each company adjusts its service content from various angles to differentiate itself from competitors or avoid appearing inferior. This makes it difficult to determine which company is the most advantageous. Next, let’s provide important supplementary information that cannot be fully explained in this simple table.