KDDI Introduces "au Money Activity Plan" Featuring Financial Benefits with Mobile Phone Services

KDDI Corporation
Okinawa Cellular Telephone Company
au Financial Service Corporation
au Payment Corporation
au Jibun Bank Corporation
au Kabucom Securities Co., Ltd.

KDDI and Okinawa Cellular announced to launch "au Money Activity Plan", the new unlimited data usage plan (Note 1) for au smartphones on September 1, 2023.
By subscribing to this plan and using financial services of au, customers will receive au PAY balance redemption benefits and service usage benefits.
Service usage benefits include five features which enhance loyalty points usage and enhance preferential interest rates.
For example, Ponta Point redemption rate on telecommunication charges will increase to up to 20% (Note 2) for 12 months when using the au PAY Gold Card (annual membership fee of 11,000 yen).
This marks the first time in the Japanese mobile industry (Note 3) to launch a smartphone plan offers added benefits in connection with its financial services.

■About au Money Activity Plan

1. Data Capacity

Unlimited use (Note 1)

2. Monthly Fee

7,238 yen/month. This can be lowered to 6,138 yen/month with the application of the "au Smart Value" option, which offers a monthly discount of 1,100 yen for subscribing to an eligible home Internet service or eligible other services.

• Call charges and other fees apply separately.
• 1,650 yen is automatically discounted for months when data usage, including tethering etc., is 3 GB or less.
• Not applicable to "Family Discount Plus" and "au PAY Card Payment Discount." Included in the "Family Discount Plus" count.
• Subscription to an eligible home Internet service or other service is required for "au Smart Value" discount to be applied.
  Subscription Example: In the case of au HIKARI Home Zutto Giga Toku Plan (contract term: 3 years), a basic fee of 5,610 yen/month plus an option fee of 550 yen/month are required. A contract cancellation fee of 4,730 yen may be incurred upon cancellation of the Internet service, depending on the contract period.

Unlimited data usage plans that include entertainment services in addition to financial service benefits will also be available on the same day. The "au Money Activity Plan Netflix Pack (P)," which includes Netflix (Basic Plan) and other services together with Amazon Prime, and the "au Money Activity Plan ALL STAR Pack 2," which includes seven entertainment services for video and music together with Amazon Prime, will also be offered.
For more information on each plan, please visit the service page at https://www.au.com/pr/moneyactivity/plan/#plan (in Japanese only)

3. Benefits

• (1)

  au PAY Balance Redemption Benefits

  Up to 800 yen worth (tax free) of au PAY balance will be credited every month when used in combination with an au PAY card, etc.

  Monthly fee (after applying various discounts) [1].		6,138 yen
  au PAY balance redemption benefits [2].	au PAY Card benefits (Must be an au PAY Card (including au PAY Gold Card and Family Card) member)	300 yen equivalent (tax-exempt)
  	au Jibun Bank benefits (Must have an account with au Jibun Bank) * To apply the benefits, au ID registration needs to be completed in au Jibun Bank website.	300 yen equivalent (tax-exempt)
  	Telecom bill payment benefits (The au PAY Card or au Jibun Bank must be set as the payment method for communication charges.)	200 yen equivalent (tax-exempt)
  Actual cost ([1] - [2])		5,338 yen

  • Actual cost is calculated by subtracting the amount of au PAY balance redemption of the "au PAY Balance Redemption benefits" from the monthly fee after applying various discounts. It is different from actual payment amount. The au PAY balance cannot be applied to the payment of au usage fee.

• (2)

  Service Usage Benefits

  Below please find the benefits available when using a set of financial services (au PAY Card/au PAY/au Jibun Bank/au Kabucom Securities) provided by the au Financial Group companies.
  Each benefit has a maximum redemption limit and a maximum applicable amount.
  When used in combination with the au PAY Gold Card, the point redemption rate and yen savings account interest rate will be further increased. Also, there will be increases in the point redemption rate for the payment of communication fees.

  No	Benefit	au Money Activity Plan	au Money Activity Plan + au PAY Gold Card
  1	Communication fees with Gold Card benefits		When paying communication fees of "au Money Activity Plan" with au PAY Gold Card For 1st year only: Additional 10% redemption rate ⇒Total 20% redemption at maximum (*1)
  2	Payment with au PAY benefits	When paying with au PAY, Additional 0.5% redemption rate ⇒Total 1% redemption (*2)	When charging to au PAY balance from au PAY Gold Card and making a payment with au PAY Additional 0.5% redemption rate ⇒Total 2% redemption at maximum (*3)
  3	Payment with au PAY Card benefits		When Paying with au PAY Gold Card Additional 0.5% redemption rate ⇒Total 1.5% redemption at maximum (*4)
  4	Preferential interest rate benefits	Preferential interest rate of +0.05% per annum for the au Jibun Bank yen savings account Interest rate for yen savings account (when eligible for "au Collective Preferential Interest Rates") 0.25% per annum at maximum (before tax) (*5)	Preferential interest rate of +0.10% per annum for the au Jibun Bank yen savings account ⇒Interest rate for yen savings account (when eligible for "au Collective Preferential Interest Rates") 0.30% per annum at maximum (before tax) (*5)
  5	Reserve with Credit Card benefits	When reserving investment trusts at au Kabucom Securities with au PAY Card, Additional 0.5% redemption rate ⇒Total 1.5% redemption (*6)	When reserving investment trusts at au Kabucom Securities' NISA account with au PAY Gold Card For 1st year only: Additional 2% redemption rate (From the 2nd year 1%) ⇒Total 3% redemption at maximum (From the 2nd year 2%) (*6)

  <Service Usage Benefits Overview>

  • (*1)

    Total 20% redemption at maximum includes redemption from regular points 1% (1 point per 100 yen) and Gold benefit points 9% (90 points per 1,000 yen (excluding tax)).

  • (*2)

    The stated redemption rate includes the base points of 0.5% (1 point per 200 yen). There are some participating stores and types of usage where the additional points redemption rate may not apply or points may not be awarded.

  • (*3)

    The stated redemption rate includes the base points of 0.5% (1 point per 200 yen) and the Gold redemption points of 1% (1 point per 100 yen). Charges made through au Kantan Settlement (communication fee combined payment) are not eligible for redemption when charging with au PAY Gold Card for communication fees.

  • (*4)

    The stated redemption rate includes the base points of 1% (1 point per 100 yen). There are some participating stores or types of usage where points may not be awarded.

  • (*5)

    The stated yen savings account interest rate includes the regular interest rate (0.001% per annum (before tax)) and "au Collective Preferential Interest Rates" (total 0.199% per annum (before tax) at maximum).

  • (*6)

    The stated redemption rate includes the base points of 1% (1 point per 100 yen).

4. Start Date

September 1, 2023

KDDI and au Financial Group want to encourage customers to take an interest in saving and investing money; and to embark on "Money Activity" through the use of au services.

• (Note 1)

  When using tethering, data sharing, or international roaming communication (flat-rate global data), there is a data capacity limit. Communication speed may be limited when using a large amount of data communication or during congested time periods. 4G subscriptions limit communication speed when watching videos, etc.

• (Note 2)

  The maximum total return of 20% includes the return of regular points and Gold Reward Points.

• (Note 3)

  Compared to 4 carriers and 20 major MVNO brands (over the past 10 years) in terms of service features such as higher interest rates on bank deposits and securities investment trust point redemption rates for subscribing to rate plans. According to research by MMD LABO as of August 2023.