The d CARD cash advance feature is a convenient service that allows you to easily withdraw cash from ATMs at convenience stores nationwide when you need funds for unexpected expenses. A key feature of the d CARD is that you can make temporary repayments (early repayments) for cash advance revolving payments at convenience store ATMs. However, there are important points to know in advance, such as that early repayment for “Cash Advance One-Time Payment” cannot be done at convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your d CARD, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers correct repayment methods, interest, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for d CARD Cash Advance
- [By Convenience Store] d CARD Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to d CARD Temporary Repayment at Convenience Store ATMs
- Important Information and Cautions for Using d CARD at Convenience Store ATMs
- Q&A on d CARD Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on the d CARD website and my statement?
- Q2. When and how will I be charged the ATM fee?
- Q3. What are the closing date and payment date (debit date) for cash advances?
- Q4. Can I make a temporary repayment for a Cash Advance One-Time Payment at a convenience store ATM?
- Q5. Can I use d CARD GOLD in the same way? Is there a preferential fee?
- Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q7. Is the cash advance amount eligible for earning d POINTs?
- Q8. Can I set or change my cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for d CARD Cash Advance
If you have a cash advance credit limit set on your d CARD in advance, you can immediately start using the cash advance service at a nearby convenience store ATM. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
d CARD (Visa, Mastercard) can be used for cash advance services at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
d CARD Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support d CARD cash advance (borrowing) and temporary repayment (deposit) for Cash Advance Revolving Payments. You will need your physical d CARD and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
d CARD can also be used for cash advances abroad. You can use it at ATMs displaying the logo of your card’s international brand (Visa, Mastercard) or related networks like “PLUS” or “Cirrus.” You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] d CARD Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using d CARD cash advance at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of NTT DOCOMO, INC. or each ATM operator for the latest information.
Using d CARD at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Temporary Repayment (Deposit) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: d CARD (NTT DOCOMO) ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year. However, system maintenance may occur during certain times, such as late at night.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your d CARD into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired withdrawal amount.
- Confirm the details and receive your cash, card, and transaction receipt.
Using d CARD at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Temporary Repayment (Deposit) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: d CARD (NTT DOCOMO) | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times. The service is unavailable during these times.
Cash Advance Operating Procedures at the ATM
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card, enter your PIN, and specify the amount.
Using d CARD at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Temporary Repayment (Deposit) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Guide to Convenience Store CDs/ATMs | d CARD
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning.
Cash Advance Operating Procedures at the ATM
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
Using d CARD at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Temporary Repayment (Deposit) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Guide to Convenience Store CDs/ATMs | d CARD
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or system maintenance.
Cash Advance Operating Procedures at the ATM
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
Guide to d CARD Temporary Repayment at Convenience Store ATMs
Temporary Repayment at Convenience Store ATMs is for Cash Revolving and Shopping Revolving Only
The most important point about d CARD repayment is that temporary repayment (early repayment) at a convenience store ATM is only possible for “Cash Advance Revolving Payment” and “Shopping Revolving Payment” balances. You cannot make an early repayment for amounts used with “Cash Advance One-Time Payment” at a convenience store ATM.
How to Make Early Repayment for Cash Advance One-Time Payment
If you wish to repay an amount used with “Cash Advance One-Time Payment” before the scheduled payment date, you must contact the d CARD Center. After contacting them, you will be informed of the repayment amount, including interest up to the repayment date, and the designated bank account for transfer. You will repay by transferring the funds to the specified account. You are responsible for any bank transfer fees.
[For Revolving Payments] Repayment-Compatible Convenience Store ATMs and Fees
Temporary repayment of a revolving cash advance is possible at any Seven Bank ATM, Lawson Bank ATM, E-net ATM, or AEON Bank ATM. The ATM usage fee for repayment is the same as for borrowing: ¥110 for ¥10,000 or less, and ¥220 for over ¥10,000.
ATM Temporary Repayment Procedures and Important Notes
- Select “Credit Card Repayment” or a similar option from the ATM menu.
- Insert your card and enter your PIN.
- Select “Revolving Payment Repayment” or a similar menu option.
- Insert bills for the amount you wish to repay.
- Confirm the details and receive your card and transaction receipt.
Repayable Amounts and Units
Temporary repayments at convenience store ATMs can be made in units of ¥1,000. Since ATMs do not accept coins, you cannot make a repayment that includes an amount less than ¥1,000.
Timing for Repayment Information to Be Reflected and Credit Line Restoration
It typically takes 2-5 business days for the repaid information to be reflected in your available credit line. Be aware that your limit will not be restored immediately if you plan to use the service again soon.
Important Information and Cautions for Using d CARD at Convenience Store ATMs
Checking Your Cash Advance Limit and Applying for an Increase
To use the cash advance service, a “cash advance credit limit” must be set in advance. You can check your current limit on the d CARD website or d CARD app. If your limit is ¥0 or you wish to increase it, you can apply from the d CARD website. A prescribed screening process will be conducted after application.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to your own cash advance limit, each ATM you use has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥200,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The cash advance interest rate for d CARD is 18.0% APR for Cash Advance Revolving and 18.0% APR for Overseas Cash Service. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate ÷ 365 days (366 in a leap year) × Number of Days Used
The number of days used is the period from the day after the borrowing date to the payment date (or temporary repayment date).
How to Inquire/Reset Your PIN If You Forget It
A 4-digit PIN is required to use the cash advance service. If you forget it, you can request an inquiry through the d CARD website or by phone (d CARD Center). After the procedure, a document containing your PIN will be mailed to your registered address. For security reasons, it cannot be given to you directly on the spot.
Possible Reasons and Solutions If You Cannot Use Cash Advance
If you are unable to use cash advance at an ATM, the following reasons are possible:
・The cash advance credit limit has not been set or has been exceeded.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or card company.
・Your card payments are overdue.
First, check your usage status on the d CARD website. If the issue is not resolved, please contact the d CARD Center.
Source: d CARD Center | d CARD
Q&A on d CARD Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on the d CARD website and my statement?
A1. On the d CARD website and your statement, it will be listed under usage details like “CD (Domestic) Cashing” or “CD Overseas Cash Service,” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., Seven Bank).
Q2. When and how will I be charged the ATM fee?
A2. The ATM fee will be debited from your account on the payment date of the month following your transaction, combined with your cash advance amount and other charges.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The closing date is the 15th of each month, and the payment date (debit date) is the 10th of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 15th will be debited on July 10th.
Q4. Can I make a temporary repayment for a Cash Advance One-Time Payment at a convenience store ATM?
A4. No, you cannot. Temporary repayment at a convenience store ATM is only available for “Cash Advance Revolving Payment” and “Shopping Revolving Payment” balances. To make an early repayment for a “Cash Advance One-Time Payment,” you must contact the d CARD Center and complete the procedure via bank transfer.
Q5. Can I use d CARD GOLD in the same way? Is there a preferential fee?
A5. Yes, you can use d CARD GOLD in exactly the same way as described in this article. There are no special preferential ATM usage fees for d CARD GOLD members regarding cash advances.
Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A6. As long as the ATM is operational, you can use cash advance during the New Year’s holidays and on public holidays, and the fees are the same as usual. However, operating hours may be altered due to special system maintenance.
Q7. Is the cash advance amount eligible for earning d POINTs?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning d POINTs.
Q8. Can I set or change my cash advance limit later?
A8. Yes, you can. You can apply to set (add) or increase your cash advance limit from the d CARD website. A prescribed screening process will be conducted after the application.
Last Updated: June 24, 2025