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しずぎんカード (Shizugin Card / Shizuoka Bank Card)

Confidence Likely
Updated 2026-05-26
Review by 2026-11-25
Sources 6 Machine-translated Original (JA)
#JapanFG#regional-bank-subsidiary#shizuoka-fg#shizuoka-bank#credit-card#payments
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Wiki route

This entry sits under the card-issuers INDEX as the FG-subsidiary credit-card operating-company anchor for the Shizuoka FG group (parent: Shizuoka Bank). Read it against the parent operating bank Shizuoka Bank and sibling subsidiaries Shizugin TM Securities / Shizugin Lease / Shizugin Capital / Shizugin Credit Guarantee. Peer comparison: regional-bank-affiliated credit-card companies (Mebuki Card / Chibagin Card / UCS Card (UCS) (former Meitetsu affiliate) / Yokohama Bank’s Hamagin Finance, etc.) and major card issuers SMBC Card / Credit Saison / Rakuten Card / Seven Card Service / PayPay Card / EPOS Card / Life Card / Aplus / Pocket Card. For the broader system route see regional-bank consolidation pattern, regional-bank API/digital partnership route and banking index. Investable-universe context: Japan listed financial groups investable universe.

TL;DR

Shizugin Card Co., Ltd. (Shizuoka Bank Card) is the credit-card subsidiary of the Shizuoka FG group. Against the retail / corporate customer base of its core subsidiary Shizuoka Bank (Shizuoka Prefecture share No. 1 / main bank of a manufacturing cluster), it provides a bank-originated credit card based in Shizuoka Prefecture (JCB / VISA / Master brands), loans, cashing, collection agency, electronic money, and QR-payment-related services. As a typical regional-bank-affiliated card-company model, it carries the functions of bank-account linkage, a regional merchant network, and settlement within the regional economic zone. shizuoka-fg 2022-10-03 After the move to a holding-company structure, it was repositioned as one of the parallel subsidiaries within the group. •

1. Company overview

ItemNotes
Formal nameShizugin Card Co., Ltd. (株式会社しずぎんカード)
English nameShizuoka Bank Card Co., Ltd. (Shizugin Card)
ParentShizuoka FG group (consolidated under the core subsidiary Shizuoka Bank)
Established1983-04-01 (established as a Shizuoka Bank affiliate). With the 2022-10 launch of Shizuoka FG, the parent changed from Shizuoka Bank to Shizuoka FG; effective 2023-08-01 the company name was changed to the current “Shizugin Card Co., Ltd.” (head office: Kusanagi, Shimizu-ku, Shizuoka City)
Main businessesCredit-card issuance / shopping credit / card loans / cashing / collection agency / electronic money / QR-payment related
RegulationInstallment Sales Act / Money Lending Business Act / Payment Services Act (as applicable to the relevant business)
Listing categoryUnlisted (shizuoka-fg group)
Wiki roleAnchor for the Shizuoka-FG-affiliated credit-card subsidiary

Holding tree (simplified diagram of the Shizuoka FG group)

Shizuoka FG (holding company, listed 5831, established 2022-10-03)
  ├── Shizuoka Bank (100%) ── core subsidiary, Shizuoka Prefecture share No. 1, main bank of a manufacturing cluster
  │     └── main bank for automobiles (Suzuki, Yamaha Motor) / musical instruments (Yamaha, Roland) / food and tea
  ├── Shizugin TM Securities (100%) ── group securities
  ├── Shizugin Lease (100%) ── group leasing
  ├── Shizugin Card (100%, this page) ── group credit card
  │     ├── Shizuoka-based bank-originated credit card (JCB / VISA / Master)
  │     ├── Shizuoka Bank account-linked card
  │     └── regional merchant network (small / mid-size retail within Shizuoka Prefecture)
  ├── Shizugin Capital (100%) ── venture investment
  ├── Shizugin Credit Guarantee (100%) ── credit guarantee
  ├── overseas local subsidiary, Mongolia MFG Bank (affiliate)
  └── Shizugin Management Consulting and other systems / consulting subsidiaries

Main business lines

SegmentCharacteristics
Shopping creditShopping credit via merchants (installment / revolving)
Card loanUnsecured personal card loans (including bank card-loan agency)
CashingCashing attached to credit cards
Group companyLinkage content
Shizuoka BankRetail / corporate customer referrals, issuance of bank-account-linked cards, cash-card-integrated cards

Peer comparison of regional-bank-affiliated credit-card companies

Credit-card subsidiaryParent bank / FGParent-company modelBaseListing
Shizugin Card (this page)Shizuoka FGsibling company under a holding company (2022-10-)Shizuoka PrefectureParent 5831
Hamagin Finance (card / credit guarantee)yokohama-bank / concordia-fgbank consolidated subsidiaryKanagawa / Tokyo metropolitan areaParent 7186

Competition with major card issuers

Strengths / weaknesses

  • Strengths: Shizuoka Bank Shizuoka Prefecture share No. 1 + deposit customer base + linkage to manufacturing-employee payroll accounts + regional merchant network + the affluent owner / executive class of the manufacturing cluster (Suzuki / Yamaha, etc.)

Regulatory framework

  • Lead authorities: Ministry of Economy, Trade and Industry (jurisdiction over the Installment Sales Act) and the Financial Services Agency (FSA, jurisdiction over the Money Lending Business Act and the Payment Services Act)
  • Legal basis:
    • Installment Sales Act: the core regulation for credit-card issuance and shopping-credit business (registration as a comprehensive credit-purchase intermediary)
    • Money Lending Business Act: cashing / card-loan business (money-lending registration)
    • Payment Services Act: electronic money / prepaid card / QR-payment-related business
    • Act on the Protection of Personal Information / My Number Act: management of cardholder information
  • Parent FG governance: as a consolidated subsidiary of shizuoka-fg, positioned under holding-company governance and subject to non-banking-subsidiary regulation (core business / ancillary business / scope-of-business restrictions)

Regulatory issues

  • Installment Sales Act amendment (2018-): strengthened obligations for merchant-contracting parties (acquirers), security-measure obligations (PCI DSS compliance)
  • Amended Installment Sales Act (2020-): strengthened user protection (credit screening / usage-limit management / complaint-handling structure)
  • Act on the Protection of Personal Information (2022- amendment): cross-border transfer / proper-acquisition obligations for cardholder information
  • Cashless promotion: under METI’s Cashless Vision 2025 and the target of a “2025 年 cashless ratio of 40%,” there is debate over the level of merchant fees
  • AML measures / anti-social-forces checks: jointly implemented with the shizuoka-fg group
  • EDINET / securities reports: Shizugin Card on a standalone basis is unlisted with limited disclosure; indirectly disclosed via shizuoka-fg consolidated segment information

Accounting treatment

  • Standalone financial KPIs: partially disclosed in the parent shizuoka-fg securities-report notes / segment information (capital 5,000 万円 / employees 81 名 = Shizugin Card official company profile)

Sources

[!info] Verification status confidence: likely (FG credit-card-subsidiary anchor created 2026-05-25). The shizuoka-fg page covers the holding-company holding strategy (move to a 2022-10 HD), while this page covers the credit-card-subsidiary operating boundary. The year of establishment (1983-04-01), the parent change (2022-10 Shizuoka FG), and the name change to the current “Shizugin Card” (2023-08-01) have been confirmed in Shizugin Card’s official company profile (sources below). Brand evolution: DC franchisee → 2006-03 “Shizugin joyca” credit guarantee → 2023 start of JCB merchant-related / corporate-card handling. Precise figures for card-issuance volume and transaction value are not disclosed on a standalone basis, so refer to the parent shizuoka-fg securities-report segment information.

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