Top Up Suica using ApplePay with Mastercard or Amex

Top Up Suica using ApplePay

Japan has opened to tourists !! But before that, let’s try to Top Up Suica using ApplePay.

Japan has now officially opened up to the tourists (without the need for tour guides) and this will be of much delight to all Singaporeans. There is now a running joke is that there will be “more Singaporeans in Tokyo than in Toa Payoh” as we are all going to the land of the Rising Sun soon.

And yours truly will be in Osaka and will try write blog posts and perhaps Youtube Shorts and Videos.

Using Suica on my iPhone has been a great job back when I was in Fukuoka in 2019 (that was sadly, my last trip to Japan…). I did buy one in 2017 but in 2019, I set it up on my iPhone and then had joy using it in Japan (check out this post where there is also a video of using it on the JR line).

Top Up Suica using ApplePay

So in preparation for my trip, I checked my phone whether the Suica app is still working (it is) as I have moved from iPhone to a new iPhone 14 Pro Max. It is still working.

Except when I tried topping Suica app using ApplePay, it is not working !! 🙂

First, I open my Apple Wallet and the Suica is still there. I click on “ADD MONEY”..

Top Up Suica using ApplePay
Top Up Suica using ApplePay

And try to add 1000 Yen (it is SGD9.59…wow.. our currency, Japanese currency… we really should go shopping !)…

Top up 1000 Yen using VISA
Top up 1000 Yen using VISA

But Payment Not Completed error shows up !

payment not completed when Top Up Suica using ApplePay
payment not completed when Top Up Suica using ApplePay

Damn. What happened.

That’s because “Visa cards are currently not working for Suica”. You have to use Mastercard or American Express. You can see I am using a DBS Vantage Visa card.

VISA cards are currently not working for Suica and PASMO recharge (top up), there’s lot of discussion you can web search.

Use Mastercard or AMEX instead.

https://discussions.apple.com/thread/254156527

Top Up Suica using ApplePay MasterCard

So I changed my ApplePay to Citibank Rewards MasterCard.

use mastercard WHEN TOP UP SUICA USING APPLEPAY
use mastercard WHEN TOP UP SUICA USING APPLEPAY

And it worked… you can see it refreshing…

use mastercard WHEN TOP UP SUICA USING APPLEPAY
use mastercard WHEN TOP UP SUICA USING APPLEPAY

From 3,026 Yen, it is now 4,026 Yen.

Top Up Suica using ApplePay and MASTERCARD
Top Up Suica using ApplePay and MASTERCARD

It will be charged in Japanese Yen so you will incur poor exchange rate and even DCA ? Unfortunately, you cannot add Instarem as an ApplePay card.

Oh well… the best is still to do so in Japan itself at the JR stations. I heard that the automated Suica top up machines in JR stations are not working for iPhones and you need to do so in 7-Elevens. I shall check when I am in Japan !

Are you guys excited about going back to Japan ! 🙂

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