{"id":1251,"date":"2025-12-25T09:14:14","date_gmt":"2025-12-25T00:14:14","guid":{"rendered":"https:\/\/www.study-au.com\/blog\/?p=1251"},"modified":"2026-10-07T14:50:02","modified_gmt":"2026-10-07T05:50:02","slug":"au_creditcard","status":"publish","type":"post","link":"https:\/\/www.study-au.com\/blog\/2025\/12\/25\/au_creditcard\/","title":{"rendered":"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u304a\u3059\u3059\u3081\uff5c2026\u5e74\u6700\u65b0\u7248"},"content":{"rendered":"<div><script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"BlogPosting\",\n    \"headline\": \"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u304a\u3059\u3059\u3081\uff5c2026\u5e74\u6700\u65b0\u7248\",\n    \"description\": \"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u5411\u3051\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u6bd4\u8f03\u30022026\u5e7410\u67081\u65e5\u306e\u30ab\u30fc\u30c9\u624b\u6570\u6599\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff09\u5ec3\u6b62\u3067\u5909\u308f\u3063\u305f\u3053\u3068\u3001\u6b8b\u308b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u3001\u4ed8\u5e2f\u4fdd\u967a90\u65e5\u306e\u843d\u3068\u3057\u7a74\u3001Wise\u3068\u306e\u4f7f\u3044\u5206\u3051\u307e\u3067\u89e3\u8aac\u3002\",\n    \"url\": \"https:\/\/www.study-au.com\/blog\/2025\/12\/25\/au_creditcard\/\",\n    \"datePublished\": \"2025-12-25\",\n    \"dateModified\": \"2026-10-07\",\n    \"inLanguage\": \"ja\",\n    \"author\": {\n      \"@type\": \"Organization\",\n      \"name\": \"\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\",\n      \"url\": \"https:\/\/www.study-au.com\"\n    },\n    \"publisher\": {\n      \"@type\": \"Organization\",\n      \"name\": \"\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\",\n      \"url\": \"https:\/\/www.study-au.com\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/05\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66.jpg\"\n      }\n    }\n  },\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u4f55\u679a\u5fc5\u8981\u3067\u3059\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"2\u679a\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002Visa\u3068Mastercard\u30671\u679a\u305a\u3064\u6301\u3061\u3001\u7247\u65b9\u3092\u7d1b\u5931\u30fb\u4e0d\u6b63\u5229\u7528\u3067\u30ed\u30c3\u30af\u3055\u308c\u3066\u3082\u751f\u6d3b\u304c\u6b62\u307e\u3089\u306a\u3044\u3088\u3046\u306b\u3057\u3066\u304a\u304f\u305f\u3081\u3067\u3059\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306f\u5e97\u8217\u306e\u7aef\u672b\u30c8\u30e9\u30d6\u30eb\u3084\u4e00\u6642\u7684\u306a\u6c7a\u6e08\u4e0d\u80fd\u3082\u3042\u308b\u305f\u3081\u3001\u30d6\u30e9\u30f3\u30c9\u3092\u5206\u3051\u305f2\u679a\u304c\u5b9f\u52d9\u7684\u3067\u3059\u3002\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"2026\u5e7410\u67081\u65e5\u4ee5\u964d\u306f\u3001\u65e5\u672c\u767a\u884c\u306e\u30ab\u30fc\u30c9\u3067\u3082\u624b\u6570\u6599\u306f\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"\u304a\u5e97\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u52a0\u76df\u5e97\u304c\u652f\u6255\u3044\u6642\u306b\u4e0a\u4e57\u305b\u3059\u308b\u624b\u6570\u6599\u3067\u3001\u30ab\u30fc\u30c9\u306e\u767a\u884c\u56fd\u3068\u306f\u95a2\u4fc2\u304c\u306a\u3044\u305f\u3081\u3067\u3059\u3002\u305f\u3060\u3057\u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u8acb\u6c42\u3059\u308b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306f\u5225\u306e\u3082\u306e\u3067\u300110\u6708\u4ee5\u964d\u3082\u6b8b\u308a\u307e\u3059\u3002\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff08Visa\u30fbMastercard\uff09\u306f3.63%\u3001\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\uff08Visa\uff09\u306f3.85%\u3001\u30a4\u30aa\u30f3\u30ab\u30fc\u30c9\u306f1.60%\u3068\u3001\u30ab\u30fc\u30c9\u306b\u3088\u3063\u30662\u500d\u4ee5\u4e0a\u306e\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"\u9031\u672b\u3084\u795d\u65e5\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3082\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"\u306a\u304f\u306a\u3063\u3066\u3044\u307e\u305b\u3093\u3002\u4eca\u56de\u5ec3\u6b62\u3055\u308c\u305f\u306e\u306f\u3001\u30ab\u30fc\u30c9\u3067\u6255\u3046\u3053\u3068\u3092\u7406\u7531\u306b\u3057\u305f\u4e0a\u4e57\u305b\u3060\u3051\u3067\u3059\u3002\u30ab\u30d5\u30a7\u3084\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3001\u4e88\u7d04\u6599\u3084\u30b5\u30fc\u30d3\u30b9\u6599\u306f\u5bfe\u8c61\u5916\u3067\u3001ACCC\uff08\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7af6\u4e89\u30fb\u6d88\u8cbb\u8005\u59d4\u54e1\u4f1a\uff09\u3082\u5f15\u304d\u7d9a\u304d\u8ab2\u3057\u3066\u3088\u3044\u3068\u6848\u5185\u3057\u3066\u3044\u307e\u3059\u3002\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"\u30ab\u30fc\u30c9\u306b\u4ed8\u3044\u3066\u3044\u308b\u6d77\u5916\u65c5\u884c\u4fdd\u967a\u3060\u3051\u3067\u7559\u5b66\u671f\u9593\u3092\u30ab\u30d0\u30fc\u3067\u304d\u307e\u3059\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"\u3067\u304d\u307e\u305b\u3093\u3002\u65e5\u672c\u767a\u884c\u30ab\u30fc\u30c9\u306e\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\u306f\u51fa\u767a\u304b\u3089\u6700\u957790\u65e5\u3068\u3044\u3046\u3082\u306e\u304c\u307b\u3068\u3093\u3069\u3067\u300191\u65e5\u76ee\u4ee5\u964d\u306f\u88dc\u511f\u304c\u5207\u308c\u307e\u3059\u3002\u5b66\u751f\u30d3\u30b6\u3067\u306fOSHC\u306e\u52a0\u5165\u304c\u30d3\u30b6\u306e\u6761\u4ef6\u306b\u306a\u3063\u3066\u304a\u308a\u3001\u30ef\u30fc\u30db\u30ea\u3067\u3082OVHC\u3078\u306e\u52a0\u5165\u304c\u5b9f\u8cea\u7684\u306b\u6b20\u304b\u305b\u307e\u305b\u3093\u3002\u30ab\u30fc\u30c9\u306e\u4ed8\u5e2f\u4fdd\u967a\u306f\u3001\u3042\u304f\u307e\u3067\u5230\u7740\u76f4\u5f8c\u306e\u88dc\u52a9\u3068\u8003\u3048\u3066\u304f\u3060\u3055\u3044\u3002\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u65e5\u672c\u3068\u73fe\u5730\u306e\u3069\u3061\u3089\u3067\u4f5c\u308b\u3079\u304d\u3067\u3059\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"\u5fc5\u305a\u6e21\u822a\u524d\u306b\u65e5\u672c\u3067\u4f5c\u3063\u3066\u304f\u3060\u3055\u3044\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u9280\u884c\u306f\u4e00\u6642\u6ede\u5728\u8005\u3078\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u767a\u884c\u306b\u614e\u91cd\u3067\u3001\u73fe\u5730\u3067\u306e\u53ce\u5165\u3084\u4fe1\u7528\u60c5\u5831\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u5230\u7740\u3057\u3066\u304b\u3089\u7533\u3057\u8fbc\u3093\u3067\u3082\u9593\u306b\u5408\u3044\u307e\u305b\u3093\u3002\u73fe\u5730\u3067\u4f5c\u308c\u308b\u306e\u306f\u57fa\u672c\u7684\u306b\u9280\u884c\u53e3\u5ea7\u306b\u7d10\u3065\u304f\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u3059\u3002\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Amex\u3084JCB\u3057\u304b\u6301\u3063\u3066\u3044\u306a\u3044\u5834\u5408\u306f\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u3067\u3059\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"\u6e21\u822a\u524d\u306bVisa\u304bMastercard\u3092\u8ffd\u52a0\u3057\u3066\u304f\u3060\u3055\u3044\u3002Amex\u3068JCB\u30822026\u5e7410\u67081\u65e5\u304b\u3089\u81ea\u4e3b\u7684\u306b\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u64a4\u5ec3\u3057\u305f\u305f\u3081\u3001\u624b\u6570\u6599\u9762\u306e\u5dee\u306f\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u3067\u3082Visa\u30fbMastercard\u3092\u52e7\u3081\u308b\u306e\u306f\u3001\u4f7f\u3048\u308b\u5e97\u306e\u6570\u304c\u5927\u304d\u304f\u9055\u3046\u304b\u3089\u3067\u3059\u3002Amex\u3084JCB\u306f\u500b\u4eba\u7d4c\u55b6\u306e\u5e97\u3067\u306f\u4f7f\u3048\u306a\u3044\u3053\u3068\u304c\u591a\u304f\u30011\u679a\u3060\u3051\u3067\u751f\u6d3b\u3059\u308b\u306e\u306f\u73fe\u5b9f\u7684\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Wise\u30ab\u30fc\u30c9\u304c\u3042\u308c\u3070\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u8981\u308a\u307e\u305b\u3093\u304b\uff1f\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Wise\u3060\u3051\u3067\u306f\u8db3\u308a\u307e\u305b\u3093\u3002Wise\u306f\u30c7\u30d3\u30c3\u30c8\u306e\u4ed5\u7d44\u307f\u3067\u3001\u6b8b\u9ad8\u306e\u7bc4\u56f2\u5185\u3067\u3057\u304b\u4f7f\u3048\u305a\u3001\u30db\u30c6\u30eb\u306e\u30c1\u30a7\u30c3\u30af\u30a4\u30f3\u3084\u30ec\u30f3\u30bf\u30ab\u30fc\u3067\u6c42\u3081\u3089\u308c\u308b\u4e0e\u4fe1\u67a0\u306e\u78ba\u4fdd\u304c\u3067\u304d\u306a\u3044\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u70ba\u66ff\u3068\u9001\u91d1\u306b\u306fWise\u3001\u8eab\u5206\u8a3c\u660e\u3068\u4e0e\u4fe1\u304c\u8981\u308b\u5834\u9762\u306b\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u3068\u3044\u3046\u7d44\u307f\u5408\u308f\u305b\u304c\u73fe\u5b9f\u7684\u3067\u3059\u3002\"\n        }\n      }\n    ]\n  }\n]\n<\/script><\/div>\n<style>\n\/* ===== TOC ===== *\/\n.toc{border:1px solid #77cce6;border-radius:5px;margin:1.5em 0;overflow:hidden;}\n.toc-header{background-color:#a8d5e8;color:#333;padding:10px 15px;font-size:1.1em;font-weight:700;border-bottom:1px solid #77cce6;display:block;}\n.toc-content{background-color:#f7f7f7;visibility:visible;padding:15px 15px;transition:none;}\n.toc ul{list-style:none;margin:0;padding:0 0 0 10px;background-color:transparent;}\n.toc ul li{line-height:1.6;margin-bottom:5px;}\n.toc a{color:#333;text-decoration:none;}\n.toc ul ul{padding:0 0 0 20px;margin-top:5px;}\n.toc ul ul li{padding-left:15px;position:relative;font-size:.95em;}\n.toc ul ul li:before{content:\"\u3009\";color:#77cce6;position:absolute;left:0;top:0;}\n\/* ===== .ft Tables ===== *\/\n.ft{width:100% !important;max-width:100% !important;border-collapse:collapse !important;table-layout:fixed !important;font-size:14px;}\n.ft th,.ft td{box-sizing:border-box !important;overflow-wrap:anywhere !important;white-space:normal !important;}\n.ft th{background:#f5f5f5;color:#666;font-weight:500;font-size:12px;padding:10px 14px;text-align:left;border-bottom:1px solid #e0e0e0;}\n.ft td{padding:11px 14px;vertical-align:middle;line-height:1.6;text-align:left;}\n.ft tr:nth-child(odd) td{background:#ffffff;}\n.ft tr:nth-child(even) td{background:#f9f9f9;}\n.ft td:nth-child(1){font-weight:600;}\n.ft .section-row td{background:#eef4ff !important;font-weight:bold;}\n.ft .note-row td{background:#f9f9f9 !important;font-weight:normal;font-size:12px;color:#666;}\n\/* ===== box-point ===== *\/\n.box-point{background:#f7fbfd;border:1px solid #d6e9f2;border-left:4px solid #5ba8c9;border-radius:8px;padding:18px 22px;margin:1.6em 0;}\n.box-point p{margin:0 0 20px !important;line-height:normal !important;}\n.box-point p:last-child{margin-bottom:0 !important;}\n<\/style>\n<p>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3078\u306e\u7559\u5b66\u3084\u30ef\u30fc\u30ad\u30f3\u30b0\u30db\u30ea\u30c7\u30fc\u3092\u63a7\u3048\u3066\u3001\u300c\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u3069\u308c\u3092\u4f5c\u308c\u3070\u3044\u3044\u306e\u304b\u300d\u300c\u73fe\u91d1\u306f\u3069\u306e\u304f\u3089\u3044\u6301\u3063\u3066\u3044\u3051\u3070\u3044\u3044\u306e\u304b\u300d\u3068\u8ff7\u3063\u3066\u3044\u307e\u305b\u3093\u304b\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306f\u65e5\u672c\u3088\u308a\u3082\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u5316\u304c\u9032\u3093\u3067\u3044\u3066\u3001\u30ab\u30fc\u30c9\u306e\u9078\u3073\u65b9\u3072\u3068\u3064\u3067\u73fe\u5730\u3067\u306e\u751f\u6d3b\u306e\u3057\u3084\u3059\u3055\u304c\u5909\u308f\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u3057\u30662026\u5e7410\u67081\u65e5\u3001\u305d\u306e\u524d\u63d0\u304c\u5927\u304d\u304f\u52d5\u304d\u307e\u3057\u305f\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u8cb7\u3044\u7269\u3092\u3059\u308b\u3068\u5f53\u305f\u308a\u524d\u306e\u3088\u3046\u306b\u304b\u304b\u3063\u3066\u3044\u305f\u30ab\u30fc\u30c9\u624b\u6570\u6599\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff09\u304c\u3001<strong>\u539f\u5247\u3068\u3057\u3066\u306a\u304f\u306a\u308a\u307e\u3057\u305f<\/strong>\u3002\u305f\u3060\u3057\u300c\u624b\u6570\u6599\u30bc\u30ed\u300d\u306b\u306a\u3063\u305f\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u8acb\u6c42\u3059\u308b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306f\u6b8b\u308a\u3001\u3057\u304b\u3082\u5404\u793e\u304c2024\u5e74\u304b\u30892025\u5e74\u306b\u304b\u3051\u30663%\u53f0\u3078\u5f15\u304d\u4e0a\u3052\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u306f\u300110\u6708\u304b\u3089\u306e\u624b\u6570\u6599\u5ec3\u6b62\u3067\u4f55\u304c\u5909\u308f\u308a\u3001\u4f55\u304c\u5909\u308f\u3089\u306a\u304b\u3063\u305f\u306e\u304b\u3092RBA\uff08\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff09\u3068ACCC\uff08\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7af6\u4e89\u30fb\u6d88\u8cbb\u8005\u59d4\u54e1\u4f1a\uff09\u306e\u516c\u8868\u8cc7\u6599\u306b\u3082\u3068\u3065\u3044\u3066\u6574\u7406\u3057\u307e\u3059\u3002\u305d\u306e\u3046\u3048\u3067\u3001\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u307e\u3067\u542b\u3081\u305f\u30ab\u30fc\u30c9\u306e\u9078\u3073\u65b9\u3068\u6bd4\u8f03\u3001\u305d\u3057\u3066\u591a\u304f\u306e\u8a18\u4e8b\u304c\u89e6\u308c\u3066\u3044\u306a\u3044\u300c\u30ab\u30fc\u30c9\u306e\u4ed8\u5e2f\u4fdd\u967a\u306f\u6700\u957790\u65e5\u3057\u304b\u306a\u3044\u300d\u3068\u3044\u3046\u843d\u3068\u3057\u7a74\u307e\u3067\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>\u8aad\u307f\u7d42\u3048\u305f\u3042\u3068\u3067\u8ff7\u3046\u3068\u3053\u308d\u304c\u3042\u308c\u3070\u3001\u8a18\u4e8b\u306e\u6700\u5f8c\u304b\u3089\u3044\u3064\u3067\u3082\u7121\u6599\u76f8\u8ac7\u3092\u53d7\u3051\u4ed8\u3051\u3066\u3044\u307e\u3059\u3002\u300c\u30ab\u30fc\u30c9\u3082\u4fdd\u967a\u3082\u307e\u3060\u4f55\u3082\u6c7a\u3081\u3066\u3044\u306a\u3044\u300d\u3068\u3044\u3046\u6bb5\u968e\u3067\u304b\u307e\u3044\u307e\u305b\u3093\u3002<\/p>\n<div class=\"toc\">\n<div class=\"toc-header\"><span class=\"toc-title\">\u76ee\u6b21<\/span><\/div>\n<div id=\"toc-list\" class=\"toc-content\">\n<ul>\n<li><a href=\"#cashless\">\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u4e8b\u60c5<\/a><\/li>\n<li>\n        <a href=\"#surcharge\">2026\u5e7410\u67081\u65e5\u3001\u30ab\u30fc\u30c9\u624b\u6570\u6599\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff09\u304c\u5ec3\u6b62\u306b<\/a><\/p>\n<ul>\n<li><a href=\"#s-what\">\u4f55\u304c\u306a\u304f\u306a\u3063\u305f\u306e\u304b<\/a><\/li>\n<li><a href=\"#s-out\">\u306a\u304f\u306a\u3089\u306a\u304b\u3063\u305f\u624b\u6570\u6599<\/a><\/li>\n<li><a href=\"#s-price\">\u304a\u5e97\u306e\u5024\u4e0a\u3052\u306f\u3042\u308b\u306e\u304b<\/a><\/li>\n<li><a href=\"#s-jp\">\u65e5\u672c\u767a\u884c\u306e\u30ab\u30fc\u30c9\u306f\u3069\u3046\u306a\u3063\u305f\u306e\u304b<\/a><\/li>\n<\/ul>\n<\/li>\n<li><a href=\"#brand\">\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u306fVisa\u304bMastercard\u306e2\u629e<\/a><\/li>\n<li><a href=\"#insurance\">\u898b\u843d\u3068\u3055\u308c\u304c\u3061\u306a\u300c\u4ed8\u5e2f\u4fdd\u967a\u306f\u6700\u957790\u65e5\u300d\u554f\u984c<\/a><\/li>\n<li><a href=\"#cards\">\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u5411\u3051\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u6bd4\u8f03<\/a><\/li>\n<li><a href=\"#debit\">\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051<\/a><\/li>\n<li><a href=\"#choose\">\u6e21\u822a\u524d\u306b\u78ba\u8a8d\u3057\u305f\u30448\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/a><\/li>\n<li><a href=\"#minor\">\u9ad8\u6821\u751f\u30fb\u672a\u6210\u5e74\u306e\u5834\u5408\u306e\u9078\u629e\u80a2<\/a><\/li>\n<li><a href=\"#faq\">\u3088\u304f\u3042\u308b\u8cea\u554f\uff08FAQ\uff09<\/a><\/li>\n<li><a href=\"#source\">\u3053\u306e\u8a18\u4e8b\u306e\u60c5\u5831\u6e90<\/a><\/li>\n<li><a href=\"#sum\">\u307e\u3068\u3081<\/a><\/li>\n<li>\n        <a href=\"#is-support\">\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30b5\u30dd\u30fc\u30c8<\/a><\/p>\n<ul>\n<li><a href=\"#booking\">\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0\u306e\u4e88\u7d04\u65b9\u6cd5<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n<\/div>\n<div style=\"border: 2px solid #D85A30; border-radius: 12px; padding: 1.25rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;\">\n<p style=\"margin: 0; font-size: 15px; font-weight: bold;\">\u30ab\u30fc\u30c9\u3082\u4fdd\u967a\u3082\u307e\u3068\u3081\u3066\u3001\u6e21\u822a\u524d\u306e\u6e96\u5099\u3092\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\uff01<\/p>\n<div style=\"display: flex; gap: 8px; flex-wrap: wrap;\">\n    <a href=\"https:\/\/ws.formzu.net\/sfgen\/S19087617\/\" style=\"display: inline-flex; align-items: center; gap: 7px; background: #D85A30; color: #fff; border-radius: 8px; padding: 10px 18px; font-size: 15px; font-weight: bold; text-decoration: none;\">&#x2709; \u7121\u6599\u76f8\u8ac7\u30d5\u30a9\u30fc\u30e0<\/a><br \/>\n    <a href=\"https:\/\/line.me\/R\/ti\/p\/@qne5789q?oat_content=url&#038;ts=10091426\" style=\"display: inline-flex; align-items: center; gap: 7px; background: #06C755; color: #fff; border-radius: 8px; padding: 10px 18px; font-size: 15px; font-weight: bold; text-decoration: none;\">&#x1f4ac; LINE\u3067\u76f8\u8ac7<\/a>\n  <\/div>\n<\/div>\n<h2 id=\"cashless\">\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u4e8b\u60c5<\/h2>\n<p>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u306f\u73fe\u91d1\u3092\u4f7f\u3046\u5834\u9762\u304c\u5e74\u3005\u6e1b\u3063\u3066\u3044\u307e\u3059\u3002\u30ab\u30d5\u30a7\u3067\u306e\u30b3\u30fc\u30d2\u30fc1\u676f\u3001\u30b9\u30fc\u30d1\u30fc\u306e\u8cb7\u3044\u7269\u3001\u516c\u5171\u4ea4\u901a\u6a5f\u95a2\u3001\u9031\u672b\u306e\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u5c4b\u53f0\u307e\u3067\u3001\u307b\u3068\u3093\u3069\u304c\u30ab\u30fc\u30c9\u306e\u30bf\u30c3\u30c1\u6c7a\u6e08\u3067\u5b8c\u7d50\u3057\u307e\u3059\u3002\u8ca1\u5e03\u3092\u51fa\u3055\u305a\u306b\u30b9\u30de\u30db\u3060\u3051\u3067\u4e00\u65e5\u904e\u3054\u3059\u3053\u3068\u3082\u73cd\u3057\u304f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u300cCASH ONLY\uff08\u73fe\u91d1\u306e\u307f\uff09\u300d\u306e\u5e97\u3092\u898b\u304b\u3051\u308b\u3053\u3068\u306f\u304b\u306a\u308a\u5c11\u306a\u304f\u306a\u308a\u3001\u3080\u3057\u308d\u9006\u306b\u300cCARD ONLY\uff08\u30ab\u30fc\u30c9\u306e\u307f\uff09\u300d\u3092\u63b2\u3052\u308b\u5e97\u304c\u5897\u3048\u307e\u3057\u305f\u3002\u73fe\u91d1\u3057\u304b\u6301\u3063\u3066\u3044\u306a\u3044\u3068\u652f\u6255\u3048\u306a\u3044\u3001\u3068\u3044\u3046\u5834\u9762\u304c\u73fe\u5b9f\u306b\u8d77\u3053\u308a\u307e\u3059\u3002RBA\u306b\u3088\u308b\u3068\u3001\u6d88\u8cbb\u8005\u306e\u652f\u6255\u3044\u306b\u5360\u3081\u308b\u73fe\u91d1\u306e\u5272\u5408\u306f2007\u5e74\u306e\u7d0470%\u304b\u30892025\u5e74\u306b\u306f\u7d0415%\u307e\u3067\u4e0b\u304c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3068\u306f\u3044\u3048\u3001\u5230\u7740\u76f4\u5f8c\u306e\u7a7a\u6e2f\u304b\u3089\u306e\u79fb\u52d5\u3084\u3001\u30b7\u30a7\u30a2\u30cf\u30a6\u30b9\u306e\u5c11\u984d\u306e\u3084\u308a\u3068\u308a\u306a\u3069\u3001\u73fe\u91d1\u304c\u3042\u308b\u3068\u52a9\u304b\u308b\u5834\u9762\u306f\u6b8b\u308a\u307e\u3059\u3002\u65e5\u672c\u3092\u51fa\u308b\u524d\u306bAU$100\u301c200\u307b\u3069\u3092\u4e21\u66ff\u3057\u3066\u304a\u304d\u3001\u305d\u306e\u5f8c\u306f\u30ab\u30fc\u30c9\u3092\u4e3b\u5f79\u306b\u3059\u308b\u3001\u3068\u3044\u3046\u7d44\u307f\u7acb\u3066\u304c\u73fe\u5b9f\u7684\u3067\u3059\u3002<\/p>\n<h2 id=\"surcharge\">2026\u5e7410\u67081\u65e5\u3001\u30ab\u30fc\u30c9\u624b\u6570\u6599\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff09\u304c\u5ec3\u6b62\u306b<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/2026\u5e7410\u6708\u306e\u30ab\u30fc\u30c9\u624b\u6570\u6599\u5ec3\u6b62\u3067\u5909\u308f\u308b\u3053\u3068.png\" alt=\"2026\u5e7410\u67081\u65e5\u306b\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u30ab\u30fc\u30c9\u624b\u6570\u6599\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff09\u304c\u5ec3\u6b62\u3055\u308c\u308b\u524d\u5f8c\u306e\u4f1a\u8a08\u306e\u9055\u3044\" width=\"1200\" height=\"675\" class=\"alignnone size-full wp-image-3600\" srcset=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/2026\u5e7410\u6708\u306e\u30ab\u30fc\u30c9\u624b\u6570\u6599\u5ec3\u6b62\u3067\u5909\u308f\u308b\u3053\u3068.png 1200w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/2026\u5e7410\u6708\u306e\u30ab\u30fc\u30c9\u624b\u6570\u6599\u5ec3\u6b62\u3067\u5909\u308f\u308b\u3053\u3068-300x169.png 300w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/2026\u5e7410\u6708\u306e\u30ab\u30fc\u30c9\u624b\u6570\u6599\u5ec3\u6b62\u3067\u5909\u308f\u308b\u3053\u3068-768x432.png 768w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/2026\u5e7410\u6708\u306e\u30ab\u30fc\u30c9\u624b\u6570\u6599\u5ec3\u6b62\u3067\u5909\u308f\u308b\u3053\u3068-1024x576.png 1024w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u751f\u6d3b\u3057\u3066\u3044\u308b\u3068\u3001\u30ec\u30b8\u3067\u300c\u30ab\u30fc\u30c9\u6255\u3044\u306f1.5%\u306e\u624b\u6570\u6599\u304c\u304b\u304b\u308a\u307e\u3059\u300d\u3068\u8a00\u308f\u308c\u308b\u5834\u9762\u304c\u3088\u304f\u3042\u308a\u307e\u3057\u305f\u3002\u3053\u306e\u4e0a\u4e57\u305b\u304c\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3067\u3059\u3002RBA\u306f2026\u5e743\u6708\u306b\u516c\u8868\u3057\u305f<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/executive-summary.html\">\u7d50\u8ad6\u6587\u66f8<\/a>\u3067\u3053\u306e\u4ed5\u7d44\u307f\u306e\u898b\u76f4\u3057\u3092\u6c7a\u3081\u30012026\u5e7410\u67081\u65e5\u306b\u65bd\u884c\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n<table class=\"ft\">\n<colgroup>\n<col style=\"width:28%\">\n<col style=\"width:72%\"><\/colgroup>\n<thead>\n<tr>\n<th>\u6642\u671f<\/th>\n<th>\u5909\u308f\u308b\u3053\u3068<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2026\u5e7410\u67081\u65e5<br \/>\uff08\u65bd\u884c\u6e08\u307f\uff09<\/td>\n<td>eftpos\u30fbMastercard\u30fbVisa\u306e\u30c7\u30d3\u30c3\u30c8\uff0f\u30d7\u30ea\u30da\u30a4\u30c9\uff0f\u30af\u30ec\u30b8\u30c3\u30c8\u3067\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u5ec3\u6b62\u3002American Express\u30fbJCB\u30fbUnionPay\u3082\u540c\u65e5\u4ed8\u3067\u81ea\u4e3b\u7684\u306b\u64a4\u5ec3\u3002\u3042\u308f\u305b\u3066\u56fd\u5185\u767a\u884c\u30ab\u30fc\u30c9\u306e\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u624b\u6570\u6599\u306e\u4e0a\u9650\u3092\u5f15\u304d\u4e0b\u3052\uff08\u6d88\u8cbb\u8005\u5411\u3051\u30af\u30ec\u30b8\u30c3\u30c80.8%\u21920.3%\u3001\u30c7\u30d3\u30c3\u30c810\u30bb\u30f3\u30c8\u21928\u30bb\u30f3\u30c8\uff09<\/td>\n<\/tr>\n<tr>\n<td>2027\u5e741\u670830\u65e5\u307e\u3067<\/td>\n<td>\u6c7a\u6e08\u4e8b\u696d\u8005\u304c\u3001\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u5f15\u304d\u4e0b\u3052\u5206\u3092\u52a0\u76df\u5e97\u306b\u3069\u308c\u3060\u3051\u9084\u5143\u3057\u305f\u304b\u3092\u521d\u3081\u3066\u516c\u8868<\/td>\n<\/tr>\n<tr>\n<td>2027\u5e744\u67081\u65e5<\/td>\n<td>\u6d77\u5916\u767a\u884c\u30ab\u30fc\u30c9\uff08\u65e5\u672c\u767a\u884c\u30ab\u30fc\u30c9\u3092\u542b\u3080\uff09\u306e\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u624b\u6570\u6599\u306b\u4e0a\u96501.0%\u3092\u65b0\u8a2d\u3002\u52a0\u76df\u5e97\u306e\u660e\u7d30\u306b\u56fd\u5185\u767a\u884c\uff0f\u6d77\u5916\u767a\u884c\u306e\u5185\u8a33\u8868\u793a\u3082\u59cb\u307e\u308b<\/td>\n<\/tr>\n<tr>\n<td>2026\u5e74\u672b\u301c2027\u5e74\u534a\u3070<\/td>\n<td>RBA\u304c\u3001Amex\u306a\u3069\u306e3\u8005\u9593\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30fbBNPL\u30fb\u30e2\u30d0\u30a4\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3092\u5bfe\u8c61\u3068\u3059\u308b\u65b0\u3057\u3044\u898f\u5236\u30ec\u30d3\u30e5\u30fc\u306e\u512a\u5148\u8ab2\u984c\u3092\u516c\u8868\u3057\u3001\u672c\u683c\u7684\u306a\u5354\u8b70\u306b\u5165\u308b\u4e88\u5b9a<\/td>\n<\/tr>\n<tr class=\"note-row\">\n<td colspan=\"2\">\u203b\u51fa\u5178\uff1aRBA\u300cReview of Merchant Card Payment Costs and Surcharging \u2013 Conclusions Paper\u300d\uff082026\u5e743\u6708\uff09\u7b2c8\u7ae0\u3001RBA\u300cReview of Payments System Regulation\u300dIssues Paper\uff082026\u5e746\u6708\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 id=\"s-what\">\u4f55\u304c\u306a\u304f\u306a\u3063\u305f\u306e\u304b<\/h3>\n<p>RBA\u304c\u898f\u5236\u5bfe\u8c61\u3068\u3057\u3066\u6307\u5b9a\u3057\u3066\u3044\u308b\u306e\u306f\u3001eftpos\u30fbMastercard\u30fbVisa\u306e3\u3064\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3067\u3059\u3002\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u30d7\u30ea\u30da\u30a4\u30c9\u30ab\u30fc\u30c9\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u3044\u305a\u308c\u3082\u542b\u307e\u308c\u307e\u3059\u300210\u67081\u65e5\u4ee5\u964d\u3001\u3053\u308c\u3089\u3067\u652f\u6255\u3063\u305f\u3068\u304d\u306b\u52a0\u76df\u5e97\u304c\u5ba2\u306b\u624b\u6570\u6599\u3092\u4e0a\u4e57\u305b\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002Apple Pay\u3084Google Pay\u3067\u30b9\u30de\u30db\u3092\u304b\u3056\u3057\u3066\u6255\u3046\u5834\u5408\u3082\u3001\u4e2d\u8eab\u304cVisa\u3084Mastercard\u306e\u30ab\u30fc\u30c9\u306a\u3089\u540c\u3058\u6271\u3044\u3067\u3059\u3002<\/p>\n<p>\u3055\u3089\u306b\u3001RBA\u306e\u898f\u5236\u5bfe\u8c61\u3067\u306f\u306a\u3044<strong>American Express\u3082\u3001\u81ea\u4e3b\u7684\u306b10\u67081\u65e5\u304b\u3089\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u64a4\u5ec3<\/strong>\u3057\u307e\u3057\u305f\uff08<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/faqs\/\">RBA\u306eFAQ<\/a>\u3001<a href=\"https:\/\/www.accc.gov.au\/consumers\/pricing\/card-surcharges\">ACCC\u306e\u6848\u5185<\/a>\uff09\u3002JCB\u3068UnionPay\u3082\u540c\u65e5\u4ed8\u3067\u64a4\u5ec3\u306b\u8db3\u4e26\u307f\u3092\u63c3\u3048\u305f\u3053\u3068\u304c\u3001<a href=\"https:\/\/www.westpac.com.au\/business-banking\/merchants-and-payments\/manage\/agreement-fees-and-charges\/cost-of-acceptance\/\">Westpac\u306e\u52a0\u76df\u5e97\u5411\u3051\u6848\u5185<\/a>\u306a\u3069\u3067\u544a\u77e5\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>RBA\u306e\u8a66\u7b97\u3067\u306f\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u5e74\u9593\u306b\u652f\u6255\u308f\u308c\u3066\u3044\u305f\u30ab\u30fc\u30c9\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u5408\u8a08\u3067\u7d0418\u5104\u8c6a\u30c9\u30eb\u3001\u305d\u306e\u3046\u3061\u7d0416\u5104\u8c6a\u30c9\u30eb\u3092\u6d88\u8cbb\u8005\u304c\u8ca0\u62c5\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u7559\u5b66\u751f\u3084\u30ef\u30fc\u30db\u30ea\u306e\u65b9\u306b\u3068\u3063\u3066\u3082\u3001\u6bce\u65e5\u306e\u5c0f\u3055\u306a\u652f\u6255\u3044\u306b\u4e57\u3063\u3066\u3044\u305f1\u301c2%\u304c\u6d88\u3048\u305f\u3068\u3044\u3046\u610f\u5473\u3067\u3001\u4f53\u611f\u3067\u304d\u308b\u5909\u5316\u3067\u3059\u3002<\/p>\n<div class=\"box-point\">\n<p><strong>&#x1f4a1; \u300cRBA\u304c\u7981\u6b62\u3057\u305f\u300d\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093<\/strong><\/p>\n<p>\u6b63\u78ba\u306b\u306f\u3001RBA\u304c\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u76f4\u63a5\u7981\u6b62\u3057\u305f\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u307e\u3067RBA\u306f\u3001\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304c\u52a0\u76df\u5e97\u306b\u300c\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u8ab2\u3057\u3066\u306f\u3044\u3051\u306a\u3044\u300d\u3068\u3044\u3046\u30eb\u30fc\u30eb\u3092\u8ab2\u3059\u3053\u3068\u3092\u7981\u3058\u3066\u3044\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u305d\u306e\u7981\u6b62\u3092\u89e3\u9664\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u305d\u306e\u3046\u3048\u3067eftpos\u30fbMastercard\u30fbVisa\u304c\u81ea\u3089\u306e\u898f\u7d04\u3067\u4e0a\u4e57\u305b\u3092\u7981\u6b62\u3057\u3001Amex\u306a\u3069\u3082\u8ffd\u968f\u3057\u305f\u3001\u3068\u3044\u3046\u5f62\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u53d6\u308a\u7de0\u307e\u308b\u306e\u306f\u5404\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3068\u6c7a\u6e08\u4e8b\u696d\u8005\u3067\u3001ACCC\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<\/div>\n<h3 id=\"s-out\">\u306a\u304f\u306a\u3089\u306a\u304b\u3063\u305f\u624b\u6570\u6599<\/h3>\n<p>\u300c\u624b\u6570\u6599\u304c\u5168\u90e8\u306a\u304f\u306a\u3063\u305f\u300d\u3068\u601d\u3063\u3066\u3044\u308b\u3068\u3001\u30ec\u30b7\u30fc\u30c8\u3092\u898b\u3066\u9a5a\u304f\u5834\u9762\u304c\u3042\u308a\u307e\u3059\u3002\u4eca\u56de\u5ec3\u6b62\u3055\u308c\u305f\u306e\u306f\u3001<strong>\u30ab\u30fc\u30c9\u3067\u6255\u3046\u3053\u3068\u3092\u7406\u7531\u306b\u3057\u305f\u4e0a\u4e57\u305b\u3060\u3051<\/strong>\u3067\u3059\u3002<\/p>\n<div class=\"box-point\">\n<p><strong>&#x26a0; 10\u6708\u4ee5\u964d\u3082\u6b8b\u308b\u3082\u306e<\/strong><\/p>\n<p>\u2460 \u30ab\u30d5\u30a7\u3084\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff08ACCC\u304c\u5f15\u304d\u7d9a\u304d\u8ab2\u3057\u3066\u3088\u3044\u3068\u660e\u8a18\uff09<\/p>\n<p>\u2461 \u4e88\u7d04\u6599\uff08booking fee\uff09\u3084\u30b5\u30fc\u30d3\u30b9\u6599\u306a\u3069\u3001\u652f\u6255\u3044\u65b9\u6cd5\u3068\u95a2\u4fc2\u306e\u306a\u3044\u624b\u6570\u6599<\/p>\n<p>\u2462 Diners Club\u3068\u5f8c\u6255\u3044\u6c7a\u6e08\uff08Afterpay\u30fbZip\u306a\u3069\u306eBNPL\uff09\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8<\/p>\n<p>\u2463 \u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u8acb\u6c42\u3059\u308b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\uff08<a href=\"#s-jp\">\u5f8c\u8ff0<\/a>\uff09<\/p>\n<\/div>\n<p>\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306b\u3064\u3044\u3066\u306f\u3001RBA\u3082\u7d50\u8ad6\u6587\u66f8\u3067\u300c\u652f\u6255\u3044\u65b9\u6cd5\u306b\u8d77\u56e0\u3057\u306a\u3044\u4e0a\u4e57\u305b\u306f\u4eca\u56de\u306e\u898b\u76f4\u3057\u306e\u7bc4\u56f2\u5916\u300d\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u65e5\u66dc\u306b\u30ab\u30d5\u30a7\u306710\u301c15%\u4e0a\u4e57\u305b\u3055\u308c\u308b\u306e\u306f\u300110\u6708\u4ee5\u964d\u3082\u5909\u308f\u308a\u307e\u305b\u3093\u3002\u4e00\u65b9\u3067\u3001ACCC\u306f<a href=\"https:\/\/www.accc.gov.au\/consumers\/pricing\/card-surcharges\">\u30ab\u30fc\u30c9\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u5225\u306e\u540d\u76ee\u306b\u8a00\u3044\u63db\u3048\u3066\u53d6\u308b\u3053\u3068\u306f\u8aa4\u89e3\u3092\u62db\u304f\u884c\u70ba\u306b\u3042\u305f\u308a\u3046\u308b<\/a>\u3068\u8b66\u544a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3 id=\"s-price\">\u304a\u5e97\u306e\u5024\u4e0a\u3052\u306f\u3042\u308b\u306e\u304b<\/h3>\n<p>\u3042\u308a\u307e\u3059\u3002RBA\u81ea\u8eab\u304c\u3001\u3053\u308c\u307e\u3067\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u3057\u3066\u3044\u305f\u52a0\u76df\u5e97\uff08\u5168\u4f53\u306e\u7d0416%\uff09\u306f\u30ab\u30fc\u30c9\u306e\u53d7\u3051\u5165\u308c\u30b3\u30b9\u30c8\u3092\u8cc4\u3046\u305f\u3081\u306b\u8868\u793a\u4fa1\u683c\u3092\u4e0a\u3052\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u898b\u8fbc\u3093\u3067\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u305d\u306e\u5834\u5408\u3082\u3053\u308c\u307e\u3067\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3068\u3057\u3066\u6255\u3063\u3066\u3044\u305f\u5206\u304c\u5b9a\u4fa1\u306b\u79fb\u308b\u3060\u3051\u306a\u306e\u3067\u3001\u652f\u6255\u3046\u7dcf\u984d\u306f\u5927\u304d\u304f\u306f\u5909\u308f\u3089\u306a\u3044\u3001\u3068\u3044\u3046\u306e\u304cRBA\u306e\u6574\u7406\u3067\u3059\u3002<\/p>\n<p>ACCC\u306e\u6848\u5185\u306b\u306f\u5206\u304b\u308a\u3084\u3059\u3044\u4f8b\u304c\u3042\u308a\u307e\u3059\u300260\u30c9\u30eb\u306e\u30d8\u30a2\u30ab\u30c3\u30c8\u306b1%\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u304b\u3051\u3066\u3044\u305f\u7f8e\u5bb9\u5ba4\u304c\u3001\u30ab\u30fc\u30c9\u30b3\u30b9\u30c8\u3092\u4fa1\u683c\u306b\u5165\u308c\u308b\u306a\u308960.60\u30c9\u30eb\u306b\u306a\u308a\u307e\u3059\u3002\u3068\u3053\u308d\u304c\u5149\u71b1\u8cbb\u3084\u4eba\u4ef6\u8cbb\u3082\u4e0a\u304c\u3063\u305f\u306e\u306765\u30c9\u30eb\u306b\u5024\u4e0a\u3052\u3057\u305f\u5834\u5408\u3001\u300c\u30ab\u30fc\u30c9\u624b\u6570\u6599\u306e\u5ec3\u6b62\u304c\u7406\u7531\u300d\u3068\u8aac\u660e\u3059\u308b\u306e\u306f\u8aa4\u89e3\u3092\u62db\u304f\u8868\u793a\u306b\u3042\u305f\u308a\u307e\u3059\u3002\u5024\u4e0a\u3052\u81ea\u4f53\u306f\u81ea\u7531\u3067\u3059\u304c\u3001\u7406\u7531\u306e\u8aac\u660e\u306b\u306f\u30eb\u30fc\u30eb\u304c\u3042\u308b\u3001\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u306a\u304a\u3001\u3082\u3068\u3082\u3068\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u3057\u3066\u3044\u306a\u304b\u3063\u305f\u591a\u304f\u306e\u5e97\u306b\u3068\u3063\u3066\u306f\u300110\u67081\u65e5\u306b\u56fd\u5185\u30ab\u30fc\u30c9\u306e\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u624b\u6570\u6599\u304c\u4e0b\u304c\u3063\u305f\u3053\u3068\u3067\u3001\u3080\u3057\u308d\u6c7a\u6e08\u30b3\u30b9\u30c8\u304c\u4e0b\u304c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3 id=\"s-jp\">\u65e5\u672c\u767a\u884c\u306e\u30ab\u30fc\u30c9\u306f\u3069\u3046\u306a\u3063\u305f\u306e\u304b<\/h3>\n<p>\u7d50\u8ad6\u304b\u3089\u8a00\u3046\u3068\u3001<strong>\u65e5\u672c\u3067\u767a\u884c\u3057\u305fVisa\u30fbMastercard\u3067\u3082\u300110\u67081\u65e5\u4ee5\u964d\u306f\u304a\u5e97\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3057\u305f<\/strong>\u3002\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u52a0\u76df\u5e97\u304c\u652f\u6255\u3044\u306e\u5834\u3067\u5ba2\u306b\u4e0a\u4e57\u305b\u3059\u308b\u624b\u6570\u6599\u3067\u3042\u308a\u3001\u30ab\u30fc\u30c9\u304c\u3069\u306e\u56fd\u3067\u767a\u884c\u3055\u308c\u305f\u304b\u306f\u95a2\u4fc2\u304c\u306a\u3044\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u540d\u524d\u306e\u4f3c\u305f\u624b\u6570\u6599\u304c3\u3064\u3042\u308a\u3001\u3053\u3053\u304c\u4e00\u756a\u6df7\u540c\u3055\u308c\u3084\u3059\u3044\u3068\u3053\u308d\u3067\u3059\u3002\u8ab0\u304c\u8ab0\u306b\u6255\u3046\u3082\u306e\u304b\u3067\u6574\u7406\u3059\u308b\u3068\u3001\u9055\u3044\u304c\u306f\u3063\u304d\u308a\u3057\u307e\u3059\u3002<\/p>\n<div style=\"overflow-x:auto;\">\n<table class=\"ft\" style=\"min-width:600px;\">\n<colgroup>\n<col style=\"width:22%\">\n<col style=\"width:28%\">\n<col style=\"width:25%\">\n<col style=\"width:25%\"><\/colgroup>\n<thead>\n<tr>\n<th>\u624b\u6570\u6599<\/th>\n<th>\u8ab0\u304c\u8ab0\u306b\u6255\u3046\u304b<\/th>\n<th>\u7559\u5b66\u751f\u306e\u8ca0\u62c5<\/th>\n<th>2026\u5e7410\u6708\u4ee5\u964d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u30ab\u30fc\u30c9\u30fb\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8<\/td>\n<td>\u5ba2 \u2192 \u304a\u5e97\uff08\u30ec\u30b8\u3067\u4e0a\u4e57\u305b\uff09<\/td>\n<td>\u76f4\u63a5\u304b\u304b\u308b\uff081\u301c1.5%\u7a0b\u5ea6\uff09<\/td>\n<td>\u5ec3\u6b62<\/td>\n<\/tr>\n<tr>\n<td>\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u624b\u6570\u6599<\/td>\n<td>\u304a\u5e97\u5074 \u2192 \u30ab\u30fc\u30c9\u767a\u884c\u4f1a\u793e<\/td>\n<td>\u76f4\u63a5\u306f\u304b\u304b\u3089\u306a\u3044\u3002\u304a\u5e97\u306e\u30b3\u30b9\u30c8\u3068\u3057\u3066\u5546\u54c1\u4fa1\u683c\u306b\u542b\u307e\u308c\u308b<\/td>\n<td>\u56fd\u5185\u30ab\u30fc\u30c9\u306f\u5f15\u304d\u4e0b\u3052\u6e08\u307f\u3002\u6d77\u5916\u767a\u884c\u30ab\u30fc\u30c9\u306f2027\u5e744\u6708\u304b\u3089\u4e0a\u96501.0%<\/td>\n<\/tr>\n<tr>\n<td>\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599<\/td>\n<td>\u30ab\u30fc\u30c9\u4f1a\u54e1 \u2192 \u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e<\/td>\n<td>\u76f4\u63a5\u304b\u304b\u308b\uff081.60\u301c3.85%\u7a0b\u5ea6\uff09<\/td>\n<td>\u5909\u308f\u3089\u306a\u3044\u3002\u5404\u793e\u304c2024\u301c2025\u5e74\u306b\u5024\u4e0a\u3052\u6e08\u307f<\/td>\n<\/tr>\n<tr class=\"note-row\">\n<td colspan=\"4\">\u203b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306e\u7387\u306f\u30ab\u30fc\u30c9\u4f1a\u793e\u30fb\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u3054\u3068\u306b\u7570\u306a\u308a\u307e\u3059\u3002\u6700\u65b0\u306e\u7387\u306f\u5404\u793e\u306e\u516c\u5f0f\u30da\u30fc\u30b8\u3067\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u5b9f\u306f\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3088\u308a\u5927\u304d\u3044\u306e\u304c\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u3067\u3059\u3002<a href=\"https:\/\/www.smbc-card.com\/mem\/service\/sec\/kaigai01.jsp\">\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9<\/a>\u306fVisa\u30fbMastercard\u30673.63%\u3001<a href=\"https:\/\/www.eposcard.co.jp\/articles\/news\/250530.html\">\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9<\/a>\u306fVisa\u30673.85%\uff082025\u5e747\u6708\u306b2.20%\u304b\u3089\u5f15\u304d\u4e0a\u3052\uff09\u3067\u3059\u3002\u4e00\u65b9\u3001<a href=\"https:\/\/www.aeonbank.co.jp\/aeoncard\/use\/shopping_w\/\">\u30a4\u30aa\u30f3\u30ab\u30fc\u30c9<\/a>\u306fVisa\u30fbMastercard\u3068\u30821.60%\u306b\u636e\u3048\u7f6e\u304b\u308c\u3066\u3044\u307e\u3059\u3002\u73fe\u5730\u3067\u670810\u4e07\u5186\u5206\u3092\u30ab\u30fc\u30c9\u3067\u6255\u3046\u3068\u30013.85%\u306a\u30893,850\u5186\u30011.60%\u306a\u30891,600\u5186\u3002\u30ec\u30b8\u3067\u6d88\u3048\u305f1.5%\u3088\u308a\u3001\u30ab\u30fc\u30c9\u9078\u3073\u3067\u5909\u308f\u308b\u5dee\u306e\u307b\u3046\u304c\u5927\u304d\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<div class=\"box-point\">\n<p><strong>&#x1f4cc; 2027\u5e744\u6708\u304b\u3089\u306f\u65e5\u672c\u767a\u884c\u30ab\u30fc\u30c9\u306e\u300c\u53d7\u3051\u5165\u308c\u30b3\u30b9\u30c8\u300d\u304c\u4e0b\u304c\u308a\u307e\u3059<\/strong><\/p>\n<p>\u65e5\u672c\u767a\u884c\u30ab\u30fc\u30c9\u3092\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u5e97\u3067\u4f7f\u3046\u3068\u3001\u5e97\u5074\u306f\u56fd\u5185\u30ab\u30fc\u30c9\u3088\u308a\u305a\u3063\u3068\u9ad8\u3044\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u624b\u6570\u6599\u3092\u8ca0\u62c5\u3057\u3066\u3044\u307e\u3059\u3002RBA\u306b\u3088\u308b\u3068\u3001\u6d77\u5916\u767a\u884c\u30ab\u30fc\u30c9\u306e\u53d6\u5f15\u306f\u5168\u4f53\u306e\u7d043%\u306b\u3059\u304e\u306a\u3044\u306e\u306b\u3001\u52a0\u76df\u5e97\u304c\u6255\u3046\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u7dcf\u984d\u306e\u7d0420%\u3092\u5360\u3081\u3066\u3044\u307e\u3057\u305f\u3002\u5e73\u5747\u6599\u7387\u306f\u7d041.75%\u3067\u3001\u56fd\u5185\u30ab\u30fc\u30c9\u306e3\u500d\u4ee5\u4e0a\u3067\u3059\uff08<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/interchange-fees.html\">RBA\u7d50\u8ad6\u6587\u66f8 \u7b2c3\u7ae0<\/a>\uff09\u3002<\/p>\n<p>2027\u5e744\u67081\u65e5\u304b\u3089\u306f\u3053\u308c\u306b\u4e00\u5f8b1.0%\u306e\u4e0a\u9650\u304c\u8a2d\u3051\u3089\u308c\u307e\u3059\u3002\u79c1\u305f\u3061\u304c\u6255\u3046\u91d1\u984d\u304c\u76f4\u63a5\u5909\u308f\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u65e5\u672c\u306e\u30ab\u30fc\u30c9\u3092\u53d7\u3051\u5165\u308c\u308b\u5e97\u5074\u306e\u8ca0\u62c5\u304c\u8efd\u304f\u306a\u308b\u65b9\u5411\u306e\u5909\u66f4\u3067\u3059\u3002<\/p>\n<\/div>\n<h2 id=\"brand\">\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u306fVisa\u304bMastercard\u306e2\u629e<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u4f7f\u3048\u308b\u56fd\u969b\u30d6\u30e9\u30f3\u30c94\u7a2e\u306e\u6bd4\u8f03.png\" alt=\"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u306eVisa\u30fbMastercard\u30fbAmex\u30fbJCB\u306e\u4f7f\u3044\u3084\u3059\u3055\u3092\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u5225\u306b\u6bd4\u8f03\" width=\"1200\" height=\"675\" class=\"alignnone size-full wp-image-3601\" srcset=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u4f7f\u3048\u308b\u56fd\u969b\u30d6\u30e9\u30f3\u30c94\u7a2e\u306e\u6bd4\u8f03.png 1200w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u4f7f\u3048\u308b\u56fd\u969b\u30d6\u30e9\u30f3\u30c94\u7a2e\u306e\u6bd4\u8f03-300x169.png 300w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u4f7f\u3048\u308b\u56fd\u969b\u30d6\u30e9\u30f3\u30c94\u7a2e\u306e\u6bd4\u8f03-768x432.png 768w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u4f7f\u3048\u308b\u56fd\u969b\u30d6\u30e9\u30f3\u30c94\u7a2e\u306e\u6bd4\u8f03-1024x576.png 1024w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u4f7f\u3046\u30ab\u30fc\u30c9\u306e\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u306f\u3001\u5b9f\u8cea\u7684\u306bVisa\u3068Mastercard\u306e2\u629e\u3067\u3059\u300210\u6708\u304b\u3089\u306fAmex\u3084JCB\u3082\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u64a4\u5ec3\u3057\u305f\u306e\u3067\u3001\u624b\u6570\u6599\u9762\u306e\u5dee\u306f\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u3067\u30822\u629e\u3068\u8a00\u3048\u308b\u306e\u306f\u3001<strong>\u4f7f\u3048\u308b\u5e97\u306e\u6570\u304c\u307e\u3063\u305f\u304f\u9055\u3046<\/strong>\u304b\u3089\u3067\u3059\u3002<\/p>\n<div style=\"overflow-x:auto;\">\n<table class=\"ft\" style=\"min-width:600px;\">\n<colgroup>\n<col style=\"width:20%\">\n<col style=\"width:26%\">\n<col style=\"width:22%\">\n<col style=\"width:32%\"><\/colgroup>\n<thead>\n<tr>\n<th>\u56fd\u969b\u30d6\u30e9\u30f3\u30c9<\/th>\n<th>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u306e\u4f7f\u3044\u3084\u3059\u3055<\/th>\n<th>\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8<br \/>\uff082026\u5e7410\u67081\u65e5\u301c\uff09<\/th>\n<th>\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u3067\u306e\u4f4d\u7f6e\u3065\u3051<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Visa<\/td>\n<td>\u307b\u307c\u3069\u3053\u3067\u3082\u4f7f\u3048\u308b<\/td>\n<td>\u5ec3\u6b62\uff08RBA\u306e\u898f\u5236\u306b\u3088\u308b\uff09<\/td>\n<td>\u30e1\u30a4\u30f3\u306e1\u679a\u306b\u6700\u9069<\/td>\n<\/tr>\n<tr>\n<td>Mastercard<\/td>\n<td>\u307b\u307c\u3069\u3053\u3067\u3082\u4f7f\u3048\u308b<\/td>\n<td>\u5ec3\u6b62\uff08RBA\u306e\u898f\u5236\u306b\u3088\u308b\uff09<\/td>\n<td>2\u679a\u76ee\u3068\u3057\u3066\u6301\u3064\u3068\u5b89\u5fc3<\/td>\n<\/tr>\n<tr>\n<td>American Express<\/td>\n<td>\u5927\u624b\u30c1\u30a7\u30fc\u30f3\u304c\u4e2d\u5fc3\u3002\u500b\u4eba\u7d4c\u55b6\u306e\u5e97\u3067\u306f\u4f7f\u3048\u306a\u3044\u3053\u3068\u304c\u591a\u3044<\/td>\n<td>\u5ec3\u6b62\uff08Amex\u306e\u81ea\u4e3b\u5bfe\u5fdc\uff09<\/td>\n<td>\u30e1\u30a4\u30f3\u306b\u306f\u4e0d\u5411\u304d\u30023\u679a\u76ee\u306e\u4f4d\u7f6e\u3065\u3051<\/td>\n<\/tr>\n<tr>\n<td>JCB<\/td>\n<td>\u65e5\u672c\u4eba\u5411\u3051\u306e\u5e97\u8217\u3084\u4e00\u90e8\u306e\u89b3\u5149\u65bd\u8a2d\u306b\u9650\u3089\u308c\u308b<\/td>\n<td>\u5ec3\u6b62\uff08JCB\u306e\u81ea\u4e3b\u5bfe\u5fdc\uff09<\/td>\n<td>\u3053\u308c1\u679a\u3067\u306e\u751f\u6d3b\u306f\u73fe\u5b9f\u7684\u3067\u306a\u3044<\/td>\n<\/tr>\n<tr class=\"note-row\">\n<td colspan=\"4\">\u203beftpos\u306f\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u72ec\u81ea\u306e\u30c7\u30d3\u30c3\u30c8\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3067\u3001\u73fe\u5730\u306e\u9280\u884c\u53e3\u5ea7\u306b\u7d10\u3065\u304f\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u4f7f\u3044\u307e\u3059\u3002\u65e5\u672c\u767a\u884c\u306e\u30ab\u30fc\u30c9\u3067\u306f\u5229\u7528\u3067\u304d\u307e\u305b\u3093\u3002Diners Club\u3068BNPL\u306f\u5f15\u304d\u7d9a\u304d\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306e\u5bfe\u8c61\u306b\u306a\u308a\u3048\u307e\u3059\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Visa\u30671\u679a\u3001Mastercard\u30671\u679a\u3002\u3053\u306e2\u679a\u3092\u6301\u3063\u3066\u3044\u304f\u306e\u304c\u3001\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u306e\u6a19\u6e96\u7684\u306a\u69cb\u6210\u3067\u3059\u3002\u540c\u3058\u30d6\u30e9\u30f3\u30c9\u30672\u679a\u6301\u3063\u3066\u3082\u3001\u305d\u306e\u30d6\u30e9\u30f3\u30c9\u304c\u30b7\u30b9\u30c6\u30e0\u969c\u5bb3\u3092\u8d77\u3053\u3057\u305f\u3068\u304d\u306b\u4e21\u65b9\u6b62\u307e\u308a\u307e\u3059\u3002\u30d6\u30e9\u30f3\u30c9\u3092\u5206\u3051\u3066\u304a\u304f\u3053\u3068\u304c\u3001\u305d\u306e\u307e\u307e\u4fdd\u967a\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h2 id=\"insurance\">\u898b\u843d\u3068\u3055\u308c\u304c\u3061\u306a\u300c\u4ed8\u5e2f\u4fdd\u967a\u306f\u6700\u957790\u65e5\u300d\u554f\u984c<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u304c\u5207\u308c\u308b90\u65e5\u76ee\u306e\u5883\u754c.png\" alt=\"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u3067\u4f7f\u3046\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4ed8\u5e2f\u4fdd\u967a\u304c\u51fa\u767a\u304b\u308990\u65e5\u3067\u5207\u308c\u308b\u6d41\u308c\u3092\u793a\u3057\u305f\u56f3\" width=\"1200\" height=\"675\" class=\"alignnone size-full wp-image-3599\" srcset=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u304c\u5207\u308c\u308b90\u65e5\u76ee\u306e\u5883\u754c.png 1200w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u304c\u5207\u308c\u308b90\u65e5\u76ee\u306e\u5883\u754c-300x169.png 300w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u304c\u5207\u308c\u308b90\u65e5\u76ee\u306e\u5883\u754c-768x432.png 768w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u304c\u5207\u308c\u308b90\u65e5\u76ee\u306e\u5883\u754c-1024x576.png 1024w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u9078\u3076\u3068\u304d\u3001\u591a\u304f\u306e\u65b9\u304c\u300c\u6d77\u5916\u65c5\u884c\u4fdd\u967a\u304c\u4ed8\u3044\u3066\u3044\u308b\u304b\u300d\u3092\u6c17\u306b\u3055\u308c\u307e\u3059\u3002\u3053\u3053\u306b\u3001\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u3067\u306f\u6c7a\u5b9a\u7684\u306a\u843d\u3068\u3057\u7a74\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><strong>\u65e5\u672c\u767a\u884c\u30ab\u30fc\u30c9\u306e\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\u306f\u3001\u51fa\u767a\u304b\u3089\u6700\u957790\u65e5\u3068\u3044\u3046\u3082\u306e\u304c\u307b\u3068\u3093\u3069\u3067\u3059\u3002<\/strong>\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\u3082\u30e9\u30a4\u30d5\u30ab\u30fc\u30c9\u3082\u3001\u516c\u5f0f\u306b\u300c\u51fa\u767a\u65e5\u304b\u308990\u65e5\u9593\u300d\u3068\u660e\u8a18\u3057\u3066\u3044\u307e\u3059\u3002\u7559\u5b66\u3082\u30ef\u30fc\u30db\u30ea\u308290\u65e5\u3092\u8d85\u3048\u308b\u6ede\u5728\u304c\u666e\u901a\u3067\u3059\u304b\u3089\u300191\u65e5\u76ee\u4ee5\u964d\u306f\u88dc\u511f\u304c\u5207\u308c\u305f\u72b6\u614b\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<div class=\"box-point\">\n<p><strong>&#x26a0; \u30ab\u30fc\u30c9\u306e\u4ed8\u5e2f\u4fdd\u967a\u306f\u3001\u7559\u5b66\u4fdd\u967a\u306e\u4ee3\u308f\u308a\u306b\u306f\u306a\u308a\u307e\u305b\u3093<\/strong><\/p>\n<p>\u2460 \u5b66\u751f\u30d3\u30b6\uff08subclass 500\uff09\u3067\u306f\u3001\u6ede\u5728\u671f\u9593\u3092\u30ab\u30d0\u30fc\u3059\u308bOSHC\uff08\u7559\u5b66\u751f\u5065\u5eb7\u4fdd\u967a\uff09\u3078\u306e\u52a0\u5165\u304c\u30d3\u30b6\u306e\u6761\u4ef6\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u2461 \u30ef\u30fc\u30ad\u30f3\u30b0\u30db\u30ea\u30c7\u30fc\u30d3\u30b6\u3067\u306fOSHC\u306e\u3088\u3046\u306a\u7fa9\u52d9\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u533b\u7642\u8cbb\u306f\u9ad8\u984d\u3067\u3001OVHC\uff08\u4e00\u6642\u6ede\u5728\u8005\u5411\u3051\u4fdd\u967a\uff09\u306a\u3057\u3067\u306e\u6ede\u5728\u306f\u73fe\u5b9f\u7684\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u2462 \u30ab\u30fc\u30c9\u306e\u4ed8\u5e2f\u4fdd\u967a\u306f\u3001\u5230\u7740\u76f4\u5f8c\u306e\u6570\u304b\u6708\u3092\u30ab\u30d0\u30fc\u3059\u308b\u88dc\u52a9\u3068\u8003\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u30e1\u30a4\u30f3\u306e\u4fdd\u967a\u306b\u306f\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<\/div>\n<p>\u3082\u3046\u3072\u3068\u3064\u6ce8\u610f\u3057\u305f\u3044\u306e\u304c\u300c\u81ea\u52d5\u4ed8\u5e2f\u300d\u3068\u300c\u5229\u7528\u4ed8\u5e2f\u300d\u306e\u9055\u3044\u3067\u3059\u3002\u81ea\u52d5\u4ed8\u5e2f\u306f\u30ab\u30fc\u30c9\u3092\u6301\u3063\u3066\u3044\u308b\u3060\u3051\u3067\u4fdd\u967a\u304c\u6709\u52b9\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u5229\u7528\u4ed8\u5e2f\u306f\u822a\u7a7a\u5238\u3084\u7a7a\u6e2f\u307e\u3067\u306e\u4ea4\u901a\u8cbb\u306a\u3069\u3092\u305d\u306e\u30ab\u30fc\u30c9\u3067\u6c7a\u6e08\u3057\u3066\u306f\u3058\u3081\u3066\u6709\u52b9\u306b\u306a\u308a\u307e\u3059\u3002\u8fd1\u5e74\u306f\u5229\u7528\u4ed8\u5e2f\u3078\u306e\u5207\u308a\u66ff\u3048\u304c\u9032\u3093\u3067\u3044\u3066\u3001\u81ea\u52d5\u4ed8\u5e2f\u306e\u30ab\u30fc\u30c9\u306f\u304b\u306a\u308a\u5c11\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<div class=\"box-point\">\n<p><strong>&#x26a0; \u5b66\u751f\u5c02\u7528\u30e9\u30a4\u30d5\u30ab\u30fc\u30c9\u306e\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\u306f\u5ec3\u6b62\u3055\u308c\u307e\u3057\u305f<\/strong><\/p>\n<p>\u300c\u5b66\u751f\u5c02\u7528\u30e9\u30a4\u30d5\u30ab\u30fc\u30c9\u306f\u81ea\u52d5\u4ed8\u5e2f\u3060\u304b\u3089\u7559\u5b66\u306b\u6700\u9069\u300d\u3068\u3044\u3046\u7d39\u4ecb\u3092\u3057\u3066\u3044\u308b\u8a18\u4e8b\u304c\u3044\u307e\u3082\u591a\u304f\u6b8b\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u53e4\u3044\u60c5\u5831\u3067\u3059\u3002<\/p>\n<p>\u30e9\u30a4\u30d5\u30ab\u30fc\u30c9\u306f\u4ed8\u5e2f\u4fdd\u967a\u306e\u5185\u5bb9\u3092\u6539\u5b9a\u3057\u3001<strong>2026\u5e743\u670831\u65e5\u4ee5\u964d\u306b\u65e5\u672c\u3092\u51fa\u767a\u3059\u308b\u5834\u5408\u3001\u5b66\u751f\u5c02\u7528\u30ab\u30fc\u30c9\u306e\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\u306f\u5ec3\u6b62<\/strong>\u3055\u308c\u307e\u3057\u305f\u3002\u4fdd\u967a\u76ee\u7684\u3067\u3053\u306e\u30ab\u30fc\u30c9\u3092\u9078\u3076\u7406\u7531\u306f\u306a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<\/div>\n<p>\u4fdd\u967a\u305d\u306e\u3082\u306e\u306e\u9078\u3073\u65b9\u306f\u3001<a href=\"https:\/\/www.study-au.com\/blog\/2023\/10\/25\/australian_insurance\/\">\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u306e\u4fdd\u967a\u6bd4\u8f03\uff5cOSHC\u30fbOVHC\u306e\u9078\u3073\u65b9<\/a>\u3067\u8a73\u3057\u304f\u89e3\u8aac\u3057\u3066\u3044\u307e\u3059\u3002\u30ab\u30fc\u30c9\u3068\u3042\u308f\u305b\u3066\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n<h2 id=\"cards\">\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u5411\u3051\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u6bd4\u8f03<\/h2>\n<p>\u3053\u3053\u307e\u3067\u3092\u8e0f\u307e\u3048\u3066\u3001\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u3067\u5b9f\u969b\u306b\u4f7f\u3048\u308b\u7d44\u307f\u5408\u308f\u305b\u3092\u6bd4\u8f03\u3057\u307e\u3059\u3002\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u306a\u304f\u306a\u3063\u305f\u4eca\u3001\u30ab\u30fc\u30c9\u9078\u3073\u3067\u5dee\u304c\u3064\u304f\u306e\u306f<strong>\u4ed8\u5e2f\u4fdd\u967a\u3068\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599<\/strong>\u306e2\u70b9\u3067\u3059\u3002\u4ed8\u5e2f\u4fdd\u967a\u306f2026\u5e749\u6708\u6642\u70b9\u3001\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306f2026\u5e7410\u6708\u6642\u70b9\u3067\u5404\u793e\u304c\u516c\u8868\u3057\u3066\u3044\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n<div style=\"overflow-x:auto;\">\n<table class=\"ft\" style=\"min-width:720px;\">\n<colgroup>\n<col style=\"width:20%\">\n<col style=\"width:13%\">\n<col style=\"width:13%\">\n<col style=\"width:28%\">\n<col style=\"width:26%\"><\/colgroup>\n<thead>\n<tr>\n<th>\u30ab\u30fc\u30c9<\/th>\n<th>\u5e74\u4f1a\u8cbb<\/th>\n<th>\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599<\/th>\n<th>\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\uff082026\u5e749\u6708\u6642\u70b9\uff09<\/th>\n<th>\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u3067\u306e\u4f7f\u3044\u3069\u3053\u308d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\uff08Visa\uff09<\/td>\n<td>\u7121\u6599<\/td>\n<td>3.85%<\/td>\n<td>\u5229\u7528\u4ed8\u5e2f\uff0f\u51fa\u767a\u304b\u3089\u6700\u957790\u65e5<br \/>\u50b7\u5bb3\u6cbb\u7642200\u4e07\u5186\u30fb\u75be\u75c5\u6cbb\u7642270\u4e07\u5186\u30fb\u8ce0\u511f\u8cac\u4efb3,000\u4e07\u5186\u30fb\u643a\u884c\u54c1\u640d\u5bb3100\u4e07\u5186<\/td>\n<td>\u4ed8\u5e2f\u4fdd\u967a\u3092\u76ee\u7684\u3068\u3057\u305f1\u679a\u3002\u822a\u7a7a\u5238\u3092\u3053\u306e\u30ab\u30fc\u30c9\u3067\u6255\u3063\u3066\u4fdd\u967a\u3092\u6709\u52b9\u306b\u3059\u308b<\/td>\n<\/tr>\n<tr>\n<td>\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff08NL\uff09<br \/>\uff08Visa\uff0fMastercard\uff09<\/td>\n<td>\u6c38\u5e74\u7121\u6599<\/td>\n<td>3.63%<\/td>\n<td>\u5229\u7528\u4ed8\u5e2f\uff0f\u6700\u9ad82,000\u4e07\u5186<br \/>\u5165\u4f1a\u5f8c\u306b\u88dc\u511f\u5185\u5bb9\u306e\u5909\u66f4\u3082\u53ef\u80fd<\/td>\n<td>\u4fdd\u967a\u7528\u306e\u9078\u629e\u80a2\u3002\u6e8018\u6b73\u4ee5\u4e0a\uff08\u9ad8\u6821\u751f\u3092\u9664\u304f\uff09\u304c\u5bfe\u8c61<\/td>\n<\/tr>\n<tr>\n<td>\u30a4\u30aa\u30f3\u30ab\u30fc\u30c9<br \/>\uff08Visa\uff0fMastercard\uff09<\/td>\n<td>\u7121\u6599<\/td>\n<td>1.60%<\/td>\n<td>\u672c\u8a18\u4e8b\u3067\u306f\u6bd4\u8f03\u5bfe\u8c61\u5916\uff08\u516c\u5f0f\u30da\u30fc\u30b8\u3067\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\uff09<\/td>\n<td>\u73fe\u5730\u3067\u306e\u65e5\u5e38\u6c7a\u6e08\u7528\u3002\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u304c\u4e3b\u8981\u30ab\u30fc\u30c9\u306e\u4e2d\u3067\u6700\u3082\u4f4e\u3044\u6c34\u6e96<\/td>\n<\/tr>\n<tr>\n<td>\u5b66\u751f\u5c02\u7528\u30e9\u30a4\u30d5\u30ab\u30fc\u30c9<\/td>\n<td>\u7121\u6599<\/td>\n<td>\u2014<\/td>\n<td>2026\u5e743\u670831\u65e5\u4ee5\u964d\u306f\u5ec3\u6b62<\/td>\n<td>\u4fdd\u967a\u76ee\u7684\u3067\u9078\u3076\u7406\u7531\u306f\u306a\u304f\u306a\u3063\u305f\u3002\u4f5c\u308b\u306a\u3089\u5225\u306e\u7279\u5178\u3067\u5224\u65ad\u3092<\/td>\n<\/tr>\n<tr>\n<td>Wise\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/td>\n<td>\u6708\u984d\u30fb\u5e74\u4f1a\u8cbb\u306a\u3057<br \/>\u5b9f\u7269\u30ab\u30fc\u30c9\u767a\u884c1,200\u5186<\/td>\n<td>\u2014\uff08\u4e21\u66ff\u624b\u6570\u6599\u306f\u901a\u8ca8\u3054\u3068\u306b\u7570\u306a\u308b\uff09<\/td>\n<td>\u306a\u3057<\/td>\n<td>\u4e21\u66ff\u3068\u73fe\u5730ATM\u7528\u300240\u901a\u8ca8\u306b\u5bfe\u5fdc\u3057\u3001\u670825,000\u5186\u307e\u3067ATM\u51fa\u91d1\u304c\u7121\u6599<\/td>\n<\/tr>\n<tr class=\"note-row\">\n<td colspan=\"5\">\u203b\u5e74\u4f1a\u8cbb\u30fb\u624b\u6570\u6599\u7387\u30fb\u88dc\u511f\u5185\u5bb9\u30fb\u7279\u5178\u306f\u5909\u66f4\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u304a\u7533\u3057\u8fbc\u307f\u524d\u306b\u5fc5\u305a\u5404\u30ab\u30fc\u30c9\u4f1a\u793e\u306e\u516c\u5f0f\u30da\u30fc\u30b8\u3067\u6700\u65b0\u306e\u5185\u5bb9\u3092\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u304a\u3059\u3059\u3081\u306f\u3001<strong>\u5f79\u5272\u3092\u5206\u3051\u305f3\u679a\u69cb\u6210<\/strong>\u3067\u3059\u30021\u679a\u76ee\u306f\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\uff08Visa\uff09\u3092\u4fdd\u967a\u7528\u3068\u3057\u3066\u6301\u3061\u3001\u822a\u7a7a\u5238\u306e\u652f\u6255\u3044\u306b\u4f7f\u3063\u3066\u4ed8\u5e2f\u4fdd\u967a\u3092\u6709\u52b9\u306b\u3057\u307e\u3059\u30022\u679a\u76ee\u306f\u30a4\u30aa\u30f3\u30ab\u30fc\u30c9\u306eMastercard\u3092\u65e5\u5e38\u6c7a\u6e08\u7528\u306b\u3057\u3066\u3001\u73fe\u5730\u3067\u306e\u8cb7\u3044\u7269\u306e\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u30921.60%\u306b\u6291\u3048\u307e\u3059\u3002\u3053\u308c\u3067Visa\u3068Mastercard\u306b\u30d6\u30e9\u30f3\u30c9\u3082\u5206\u6563\u3067\u304d\u307e\u3059\u3002\u305d\u3053\u306bWise\u3092\u8db3\u3057\u3001\u4e21\u66ff\u3068\u73fe\u5730ATM\u3067\u306e\u51fa\u91d1\u3092\u307e\u304b\u306a\u3046\u5f62\u3067\u3059\u3002<\/p>\n<p>\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff08NL\uff09\u306f\u4ed8\u5e2f\u4fdd\u967a\u306e\u5185\u5bb9\u3092\u9078\u3079\u308b\u306e\u304c\u5f37\u307f\u306a\u306e\u3067\u3001\u30a8\u30dd\u30b9\u306e\u4ee3\u308f\u308a\u306b\u4fdd\u967a\u7528\u3068\u3057\u3066\u4f7f\u3046\u306e\u3082\u9078\u629e\u80a2\u3067\u3059\u3002\u305f\u3060\u3057\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306f3.63%\u306a\u306e\u3067\u3001\u73fe\u5730\u3067\u306e\u65e5\u5e38\u6c7a\u6e08\u306b\u306f\u5411\u304d\u307e\u305b\u3093\u3002\u3044\u305a\u308c\u3082\u5e74\u4f1a\u8cbb\u304c\u304b\u304b\u3089\u306a\u3044\u306e\u3067\u3001\u6e21\u822a\u524d\u306b\u4f5c\u3063\u3066\u304a\u3044\u3066\u640d\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<div style=\"border: 2px solid #D85A30; border-radius: 12px; padding: 1.25rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;\">\n<p style=\"margin: 0; font-size: 15px; font-weight: bold;\">\u30ab\u30fc\u30c9\u30fb\u4fdd\u967a\u30fb\u304a\u91d1\u306e\u6e96\u5099\u3001\u307e\u3068\u3081\u3066\u3054\u76f8\u8ac7\u3044\u305f\u3060\u3051\u307e\u3059\uff01<\/p>\n<div style=\"display: flex; gap: 8px; flex-wrap: wrap;\">\n    <a href=\"https:\/\/ws.formzu.net\/sfgen\/S19087617\/\" style=\"display: inline-flex; align-items: center; gap: 7px; background: #D85A30; color: #fff; border-radius: 8px; padding: 10px 18px; font-size: 15px; font-weight: bold; text-decoration: none;\">&#x2709; \u7121\u6599\u76f8\u8ac7\u30d5\u30a9\u30fc\u30e0<\/a><br \/>\n    <a href=\"https:\/\/line.me\/R\/ti\/p\/@qne5789q?oat_content=url&#038;ts=10091426\" style=\"display: inline-flex; align-items: center; gap: 7px; background: #06C755; color: #fff; border-radius: 8px; padding: 10px 18px; font-size: 15px; font-weight: bold; text-decoration: none;\">&#x1f4ac; LINE\u3067\u76f8\u8ac7<\/a>\n  <\/div>\n<\/div>\n<h2 id=\"debit\">\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051.png\" alt=\"\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ef\u30fc\u30db\u30ea\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u9280\u884c\u53e3\u5ea7\u3092\u4f7f\u3044\u5206\u3051\u308b4\u5834\u9762\" width=\"1672\" height=\"941\" class=\"alignnone size-full wp-image-3598\" srcset=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051.png 1672w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051-300x169.png 300w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051-768x432.png 768w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2025\/12\/\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30c7\u30d3\u30c3\u30c8\u30fbWise\u30fb\u73fe\u5730\u53e3\u5ea7\u306e\u4f7f\u3044\u5206\u3051-1024x576.png 1024w\" sizes=\"auto, (max-width: 1672px) 100vw, 1672px\" \/><\/p>\n<p>\u30ab\u30fc\u30c9\u306f1\u7a2e\u985e\u3067\u3059\u3079\u3066\u3092\u307e\u304b\u306a\u3046\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5f79\u5272\u3092\u5206\u3051\u305f\u307b\u3046\u304c\u3001\u624b\u6570\u6599\u3082\u5b89\u5168\u6027\u3082\u6709\u5229\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<div style=\"overflow-x:auto;\">\n<table class=\"ft\" style=\"min-width:620px;\">\n<colgroup>\n<col style=\"width:24%\">\n<col style=\"width:26%\">\n<col style=\"width:25%\">\n<col style=\"width:25%\"><\/colgroup>\n<thead>\n<tr>\n<th>\u7a2e\u985e<\/th>\n<th>\u4e3b\u306a\u7528\u9014<\/th>\n<th>\u5f37\u307f<\/th>\n<th>\u6ce8\u610f\u70b9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9<br \/>\uff08\u65e5\u672c\u767a\u884c\uff09<\/td>\n<td>\u65e5\u5e38\u306e\u8cb7\u3044\u7269\u3001\u30db\u30c6\u30eb\u30fb\u30ec\u30f3\u30bf\u30ab\u30fc\u306e\u4e0e\u4fe1<\/td>\n<td>\u4ed8\u5e2f\u4fdd\u967a\u3001\u76d7\u96e3\u88dc\u511f\u3001\u4e0e\u4fe1\u67a0\u306e\u78ba\u4fdd<\/td>\n<td>\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u304c\u304b\u304b\u308b\uff081.60\u301c3.85%\u7a0b\u5ea6\uff09\u3002\u4ed8\u5e2f\u4fdd\u967a\u306f\u6700\u957790\u65e5<\/td>\n<\/tr>\n<tr>\n<td>\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<br \/>\uff08\u65e5\u672c\u767a\u884c\uff09<\/td>\n<td>\u4e88\u5099\u306e1\u679a\u3001\u4f7f\u3044\u3059\u304e\u9632\u6b62<\/td>\n<td>\u5be9\u67fb\u304c\u7de9\u3084\u304b\u3001\u53e3\u5ea7\u6b8b\u9ad8\u306e\u7bc4\u56f2\u5185\u3067\u5b8c\u7d50<\/td>\n<td>\u4ed8\u5e2f\u4fdd\u967a\u304c\u306a\u3044\u3082\u306e\u304c\u591a\u3044\u3002\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u3082\u304b\u304b\u308b<\/td>\n<\/tr>\n<tr>\n<td>Wise<\/td>\n<td>\u65e5\u672c\u304b\u3089\u8c6a\u30c9\u30eb\u3078\u306e\u4e21\u66ff\u3001\u73fe\u5730ATM\u3067\u306e\u51fa\u91d1<\/td>\n<td>\u4e21\u66ff\u30b3\u30b9\u30c8\u3092\u6291\u3048\u3089\u308c\u308b\u300240\u901a\u8ca8\u3092\u30a2\u30d7\u30ea\u3067\u7ba1\u7406<\/td>\n<td>\u4e0e\u4fe1\u67a0\u306e\u78ba\u4fdd\u304c\u3067\u304d\u306a\u3044\u5834\u9762\u304c\u3042\u308b<\/td>\n<\/tr>\n<tr>\n<td>\u73fe\u5730\u9280\u884c\u53e3\u5ea7\u306e<br \/>\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/td>\n<td>\u30a2\u30eb\u30d0\u30a4\u30c8\u7d66\u4e0e\u306e\u53d7\u53d6\u3001\u5bb6\u8cc3\u30fb\u643a\u5e2f\u6599\u91d1\u306e\u652f\u6255\u3044<\/td>\n<td>eftpos\u304c\u4f7f\u3048\u308b\u3002\u8c6a\u30c9\u30eb\u5efa\u3066\u306a\u306e\u3067\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u304c\u304b\u304b\u3089\u306a\u3044<\/td>\n<td>\u5230\u7740\u5f8c\u306b\u53e3\u5ea7\u958b\u8a2d\u306e\u624b\u7d9a\u304d\u304c\u5fc5\u8981<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u9577\u671f\u6ede\u5728\u306a\u3089\u3001\u5230\u7740\u5f8c\u306b\u73fe\u5730\u306e\u9280\u884c\u53e3\u5ea7\u3092\u958b\u304f\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002\u30ef\u30fc\u30db\u30ea\u3067\u30a2\u30eb\u30d0\u30a4\u30c8\u3092\u3059\u308b\u306a\u3089\u7d66\u4e0e\u306e\u53d7\u53d6\u53e3\u5ea7\u304c\u5fc5\u8981\u3067\u3059\u3057\u3001\u30b7\u30a7\u30a2\u30cf\u30a6\u30b9\u306e\u5bb6\u8cc3\u3092\u73fe\u5730\u306e\u53e3\u5ea7\u9593\u9001\u91d1\u3067\u6255\u3046\u5834\u9762\u3082\u51fa\u3066\u304d\u307e\u3059\u3002\u8c6a\u30c9\u30eb\u306e\u53e3\u5ea7\u304b\u3089\u8c6a\u30c9\u30eb\u3067\u6255\u3048\u3070\u3001\u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u306e\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u3082\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u53e3\u5ea7\u958b\u8a2d\u306f\u591a\u304f\u306e\u9280\u884c\u304c\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u6e21\u822a\u524d\u304b\u3089\u7533\u3057\u8fbc\u307f\u3092\u53d7\u3051\u4ed8\u3051\u3066\u304a\u308a\u3001\u5230\u7740\u5f8c\u306b\u652f\u5e97\u3067\u30d1\u30b9\u30dd\u30fc\u30c8\u3092\u63d0\u793a\u3057\u3066\u30ab\u30fc\u30c9\u3092\u53d7\u3051\u53d6\u308b\u6d41\u308c\u304c\u4e00\u822c\u7684\u3067\u3059\u3002<\/p>\n<h2 id=\"choose\">\u6e21\u822a\u524d\u306b\u78ba\u8a8d\u3057\u305f\u30448\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/h2>\n<p>\u30ab\u30fc\u30c9\u3092\u9078\u3076\u3068\u304d\u3001\u6b21\u306e8\u70b9\u3092\u9806\u306b\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u9806\u756a\u306b\u3082\u610f\u5473\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li><strong>\u2460 \u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u304cVisa\u307e\u305f\u306fMastercard\u304b\u3002<\/strong>\u3053\u3053\u304c\u6700\u512a\u5148\u3067\u3059\u3002Amex\u3084JCB\u3057\u304b\u6301\u3063\u3066\u3044\u306a\u3044\u306a\u3089\u3001\u6e21\u822a\u524d\u306b\u5fc5\u305a1\u679a\u8ffd\u52a0\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/li>\n<li><strong>\u2461 \u30bf\u30c3\u30c1\u6c7a\u6e08\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u308b\u304b\u3002<\/strong>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u306f\u30bf\u30c3\u30c1\u6c7a\u6e08\u304c\u6a19\u6e96\u3067\u3059\u3002\u5bfe\u5fdc\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u30ec\u30b8\u3067\u6bce\u56de\u6642\u9593\u304c\u304b\u304b\u308a\u307e\u3059\u3002<\/li>\n<li><strong>\u2462 \u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306e\u7387\u3002<\/strong>\u30ab\u30fc\u30c9\u306b\u3088\u3063\u30661.60%\u304b\u30893.85%\u307e\u30672\u500d\u4ee5\u4e0a\u306e\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\u73fe\u5730\u3067\u65e5\u5e38\u7684\u306b\u4f7f\u3046\u30ab\u30fc\u30c9\u307b\u3069\u3001\u3053\u3053\u304c\u52b9\u3044\u3066\u304d\u307e\u3059\u3002<\/li>\n<li><strong>\u2463 \u4ed8\u5e2f\u4fdd\u967a\u304c\u81ea\u52d5\u4ed8\u5e2f\u304b\u5229\u7528\u4ed8\u5e2f\u304b\u3002<\/strong>\u5229\u7528\u4ed8\u5e2f\u306a\u3089\u3001\u822a\u7a7a\u5238\u3084\u7a7a\u6e2f\u307e\u3067\u306e\u4ea4\u901a\u8cbb\u3092\u305d\u306e\u30ab\u30fc\u30c9\u3067\u6c7a\u6e08\u3057\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<li><strong>\u2464 \u4ed8\u5e2f\u4fdd\u967a\u306e\u88dc\u511f\u671f\u9593\u3002<\/strong>\u6700\u957790\u65e5\u304c\u4e00\u822c\u7684\u3067\u3059\u3002\u6ede\u5728\u671f\u9593\u3092\u30ab\u30d0\u30fc\u3067\u304d\u306a\u3044\u3053\u3068\u3092\u524d\u63d0\u306b\u3001OSHC\u3084OVHC\u3092\u5225\u9014\u624b\u914d\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/li>\n<li><strong>\u2465 \u6d77\u5916\u30ad\u30e3\u30c3\u30b7\u30f3\u30b0\u6a5f\u80fd\u304c\u4f7f\u3048\u308b\u304b\u3002<\/strong>\u73fe\u5730ATM\u3067\u8c6a\u30c9\u30eb\u3092\u5f15\u304d\u51fa\u3059\u624b\u6bb5\u3068\u3057\u3066\u3001\u7dca\u6025\u6642\u306e\u5099\u3048\u306b\u306a\u308a\u307e\u3059\u3002<\/li>\n<li><strong>\u2466 \u65e5\u672c\u8a9e\u30b5\u30dd\u30fc\u30c8\u306e\u7a93\u53e3\u304c\u3042\u308b\u304b\u3002<\/strong>\u7d1b\u5931\u30fb\u76d7\u96e3\u306e\u3068\u304d\u306b\u65e5\u672c\u8a9e\u306724\u6642\u9593\u3064\u306a\u304c\u308b\u756a\u53f7\u304c\u3042\u308b\u3068\u5b89\u5fc3\u3067\u3059\u3002\u6e21\u822a\u524d\u306b\u63a7\u3048\u3066\u304a\u3044\u3066\u304f\u3060\u3055\u3044\u3002<\/li>\n<li><strong>\u2467 \u5e74\u4f1a\u8cbb\u3068\u7279\u5178\u306e\u30d0\u30e9\u30f3\u30b9\u3002<\/strong>\u5e74\u4f1a\u8cbb\u7121\u6599\u306e\u30ab\u30fc\u30c9\u3067\u5341\u5206\u306b\u8db3\u308a\u307e\u3059\u3002\u4ed8\u5e2f\u4fdd\u967a\u3092\u539a\u304f\u3057\u305f\u3044\u5834\u5408\u306e\u307f\u3001\u30b4\u30fc\u30eb\u30c9\u30ab\u30fc\u30c9\u3092\u691c\u8a0e\u3059\u308b\u4fa1\u5024\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<div class=\"box-point\">\n<p><strong>&#x1f4dd; \u6e21\u822a\u524d\u306b\u3084\u3063\u3066\u304a\u304f\u3079\u304d\u624b\u7d9a\u304d<\/strong><\/p>\n<p>\u2460 \u30ab\u30fc\u30c9\u4f1a\u793e\u306b\u6d77\u5916\u5229\u7528\u306e\u4e88\u5b9a\u3092\u9023\u7d61\u3057\u3066\u304a\u304f\uff08\u4e0d\u6b63\u5229\u7528\u3068\u5224\u5b9a\u3055\u308c\u3066\u6b62\u307e\u308b\u306e\u3092\u9632\u3050\u305f\u3081\uff09<\/p>\n<p>\u2461 \u5229\u7528\u9650\u5ea6\u984d\u3092\u78ba\u8a8d\u3057\u3001\u5fc5\u8981\u306a\u3089\u5f15\u304d\u4e0a\u3052\u3092\u7533\u8acb\u3059\u308b<\/p>\n<p>\u2462 \u7d1b\u5931\u30fb\u76d7\u96e3\u6642\u306e\u9023\u7d61\u5148\u3092\u3001\u30b9\u30de\u30db\u3068\u306f\u5225\u306b\u7d19\u3067\u3082\u63a7\u3048\u3066\u304a\u304f<\/p>\n<p>\u2463 \u5229\u7528\u4ed8\u5e2f\u306e\u30ab\u30fc\u30c9\u306f\u3001\u822a\u7a7a\u5238\u3084\u7a7a\u6e2f\u307e\u3067\u306e\u4ea4\u901a\u8cbb\u3092\u305d\u306e\u30ab\u30fc\u30c9\u3067\u6c7a\u6e08\u3059\u308b<\/p>\n<\/div>\n<h2 id=\"minor\">\u9ad8\u6821\u751f\u30fb\u672a\u6210\u5e74\u306e\u5834\u5408\u306e\u9078\u629e\u80a2<\/h2>\n<p>\u9ad8\u6821\u751f\u306e\u77ed\u671f\u7559\u5b66\u3084\u30b8\u30e5\u30cb\u30a2\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u306f\u3001\u672c\u4eba\u540d\u7fa9\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u57fa\u672c\u7684\u306b\u4f5c\u308c\u307e\u305b\u3093\u3002\u591a\u304f\u306e\u30ab\u30fc\u30c9\u304c\u7533\u8fbc\u5bfe\u8c61\u3092\u300c\u6e8018\u6b73\u4ee5\u4e0a\uff08\u9ad8\u6821\u751f\u3092\u9664\u304f\uff09\u300d\u3068\u3057\u3066\u3044\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n<p>\u73fe\u5b9f\u7684\u306a\u9078\u629e\u80a2\u306f2\u3064\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u306f<strong>\u5bb6\u65cf\u30ab\u30fc\u30c9<\/strong>\u3067\u3001\u4fdd\u8b77\u8005\u306e\u540d\u7fa9\u306e\u30ab\u30fc\u30c9\u306b\u5b50\u3069\u3082\u540d\u7fa9\u306e\u30ab\u30fc\u30c9\u3092\u8ffd\u52a0\u767a\u884c\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002\u5229\u7528\u660e\u7d30\u304c\u4fdd\u8b77\u8005\u306b\u307e\u3068\u307e\u308b\u305f\u3081\u3001\u4f7f\u3044\u3059\u304e\u306e\u628a\u63e1\u3082\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002\u3082\u3046\u3072\u3068\u3064\u306f<strong>\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/strong>\u3067\u3001\u9280\u884c\u306b\u3088\u3063\u3066\u306f15\u6b73\u308416\u6b73\u304b\u3089\u767a\u884c\u3067\u304d\u307e\u3059\u3002\u53e3\u5ea7\u6b8b\u9ad8\u306e\u7bc4\u56f2\u3067\u3057\u304b\u4f7f\u3048\u306a\u3044\u306e\u3067\u3001\u521d\u3081\u3066\u306e\u6d77\u5916\u3067\u3082\u7ba1\u7406\u3057\u3084\u3059\u3044\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n<p>\u3069\u3061\u3089\u306e\u5834\u5408\u3082\u3001\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u304cVisa\u304bMastercard\u3067\u3042\u308b\u3053\u3068\u3092\u5fc5\u305a\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u6ede\u5728\u4e2d\u306b\u73fe\u5730\u3067\u4f7f\u3048\u306a\u3044\u30ab\u30fc\u30c9\u3092\u6301\u305f\u305b\u3066\u3082\u610f\u5473\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<h2 id=\"faq\">\u3088\u304f\u3042\u308b\u8cea\u554f\uff08FAQ\uff09<\/h2>\n<p><strong>Q. \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u4f55\u679a\u5fc5\u8981\u3067\u3059\u304b\uff1f<\/strong><br \/>\n<strong>A. 2\u679a\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/strong><br \/>\nVisa\u3068Mastercard\u30671\u679a\u305a\u3064\u6301\u3061\u3001\u7247\u65b9\u3092\u7d1b\u5931\u30fb\u4e0d\u6b63\u5229\u7528\u3067\u30ed\u30c3\u30af\u3055\u308c\u3066\u3082\u751f\u6d3b\u304c\u6b62\u307e\u3089\u306a\u3044\u3088\u3046\u306b\u3057\u3066\u304a\u304f\u305f\u3081\u3067\u3059\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306f\u5e97\u8217\u306e\u7aef\u672b\u30c8\u30e9\u30d6\u30eb\u3084\u4e00\u6642\u7684\u306a\u6c7a\u6e08\u4e0d\u80fd\u3082\u3042\u308b\u305f\u3081\u3001\u30d6\u30e9\u30f3\u30c9\u3092\u5206\u3051\u305f2\u679a\u304c\u5b9f\u52d9\u7684\u3067\u3059\u3002<\/p>\n<p><strong>Q. 2026\u5e7410\u67081\u65e5\u4ee5\u964d\u306f\u3001\u65e5\u672c\u767a\u884c\u306e\u30ab\u30fc\u30c9\u3067\u3082\u624b\u6570\u6599\u306f\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u304b\uff1f<\/strong><br \/>\n<strong>A. \u304a\u5e97\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002<\/strong><br \/>\n\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u52a0\u76df\u5e97\u304c\u652f\u6255\u3044\u6642\u306b\u4e0a\u4e57\u305b\u3059\u308b\u624b\u6570\u6599\u3067\u3001\u30ab\u30fc\u30c9\u306e\u767a\u884c\u56fd\u3068\u306f\u95a2\u4fc2\u304c\u306a\u3044\u305f\u3081\u3067\u3059\u3002\u305f\u3060\u3057\u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u8acb\u6c42\u3059\u308b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306f\u5225\u306e\u3082\u306e\u3067\u300110\u6708\u4ee5\u964d\u3082\u6b8b\u308a\u307e\u3059\u3002\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff08Visa\u30fbMastercard\uff09\u306f3.63%\u3001\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\uff08Visa\uff09\u306f3.85%\u3001\u30a4\u30aa\u30f3\u30ab\u30fc\u30c9\u306f1.60%\u3068\u3001\u30ab\u30fc\u30c9\u306b\u3088\u3063\u30662\u500d\u4ee5\u4e0a\u306e\u5dee\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><strong>Q. \u9031\u672b\u3084\u795d\u65e5\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3082\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u304b\uff1f<\/strong><br \/>\n<strong>A. \u306a\u304f\u306a\u3063\u3066\u3044\u307e\u305b\u3093\u3002<\/strong><br \/>\n\u4eca\u56de\u5ec3\u6b62\u3055\u308c\u305f\u306e\u306f\u3001\u30ab\u30fc\u30c9\u3067\u6255\u3046\u3053\u3068\u3092\u7406\u7531\u306b\u3057\u305f\u4e0a\u4e57\u305b\u3060\u3051\u3067\u3059\u3002\u30ab\u30d5\u30a7\u3084\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3001\u4e88\u7d04\u6599\u3084\u30b5\u30fc\u30d3\u30b9\u6599\u306f\u5bfe\u8c61\u5916\u3067\u3001ACCC\uff08\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7af6\u4e89\u30fb\u6d88\u8cbb\u8005\u59d4\u54e1\u4f1a\uff09\u3082\u5f15\u304d\u7d9a\u304d\u8ab2\u3057\u3066\u3088\u3044\u3068\u6848\u5185\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>Q. \u30ab\u30fc\u30c9\u306b\u4ed8\u3044\u3066\u3044\u308b\u6d77\u5916\u65c5\u884c\u4fdd\u967a\u3060\u3051\u3067\u7559\u5b66\u671f\u9593\u3092\u30ab\u30d0\u30fc\u3067\u304d\u307e\u3059\u304b\uff1f<\/strong><br \/>\n<strong>A. \u3067\u304d\u307e\u305b\u3093\u3002<\/strong><br \/>\n\u65e5\u672c\u767a\u884c\u30ab\u30fc\u30c9\u306e\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\u306f\u51fa\u767a\u304b\u3089\u6700\u957790\u65e5\u3068\u3044\u3046\u3082\u306e\u304c\u307b\u3068\u3093\u3069\u3067\u300191\u65e5\u76ee\u4ee5\u964d\u306f\u88dc\u511f\u304c\u5207\u308c\u307e\u3059\u3002\u5b66\u751f\u30d3\u30b6\u3067\u306fOSHC\u306e\u52a0\u5165\u304c\u30d3\u30b6\u306e\u6761\u4ef6\u306b\u306a\u3063\u3066\u304a\u308a\u3001\u30ef\u30fc\u30db\u30ea\u3067\u3082OVHC\u3078\u306e\u52a0\u5165\u304c\u5b9f\u8cea\u7684\u306b\u6b20\u304b\u305b\u307e\u305b\u3093\u3002\u30ab\u30fc\u30c9\u306e\u4ed8\u5e2f\u4fdd\u967a\u306f\u3001\u3042\u304f\u307e\u3067\u5230\u7740\u76f4\u5f8c\u306e\u88dc\u52a9\u3068\u8003\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong>Q. \u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u65e5\u672c\u3068\u73fe\u5730\u306e\u3069\u3061\u3089\u3067\u4f5c\u308b\u3079\u304d\u3067\u3059\u304b\uff1f<\/strong><br \/>\n<strong>A. \u5fc5\u305a\u6e21\u822a\u524d\u306b\u65e5\u672c\u3067\u4f5c\u3063\u3066\u304f\u3060\u3055\u3044\u3002<\/strong><br \/>\n\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u9280\u884c\u306f\u4e00\u6642\u6ede\u5728\u8005\u3078\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u767a\u884c\u306b\u614e\u91cd\u3067\u3001\u73fe\u5730\u3067\u306e\u53ce\u5165\u3084\u4fe1\u7528\u60c5\u5831\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u5230\u7740\u3057\u3066\u304b\u3089\u7533\u3057\u8fbc\u3093\u3067\u3082\u9593\u306b\u5408\u3044\u307e\u305b\u3093\u3002\u73fe\u5730\u3067\u4f5c\u308c\u308b\u306e\u306f\u57fa\u672c\u7684\u306b\u9280\u884c\u53e3\u5ea7\u306b\u7d10\u3065\u304f\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u3059\u3002<\/p>\n<p><strong>Q. Amex\u3084JCB\u3057\u304b\u6301\u3063\u3066\u3044\u306a\u3044\u5834\u5408\u306f\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u3067\u3059\u304b\uff1f<\/strong><br \/>\n<strong>A. \u6e21\u822a\u524d\u306bVisa\u304bMastercard\u3092\u8ffd\u52a0\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/strong><br \/>\nAmex\u3068JCB\u30822026\u5e7410\u67081\u65e5\u304b\u3089\u81ea\u4e3b\u7684\u306b\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3092\u64a4\u5ec3\u3057\u305f\u305f\u3081\u3001\u624b\u6570\u6599\u9762\u306e\u5dee\u306f\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u3067\u3082Visa\u30fbMastercard\u3092\u52e7\u3081\u308b\u306e\u306f\u3001\u4f7f\u3048\u308b\u5e97\u306e\u6570\u304c\u5927\u304d\u304f\u9055\u3046\u304b\u3089\u3067\u3059\u3002Amex\u3084JCB\u306f\u500b\u4eba\u7d4c\u55b6\u306e\u5e97\u3067\u306f\u4f7f\u3048\u306a\u3044\u3053\u3068\u304c\u591a\u304f\u30011\u679a\u3060\u3051\u3067\u751f\u6d3b\u3059\u308b\u306e\u306f\u73fe\u5b9f\u7684\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p><strong>Q. Wise\u30ab\u30fc\u30c9\u304c\u3042\u308c\u3070\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u8981\u308a\u307e\u305b\u3093\u304b\uff1f<\/strong><br \/>\n<strong>A. Wise\u3060\u3051\u3067\u306f\u8db3\u308a\u307e\u305b\u3093\u3002<\/strong><br \/>\nWise\u306f\u30c7\u30d3\u30c3\u30c8\u306e\u4ed5\u7d44\u307f\u3067\u3001\u6b8b\u9ad8\u306e\u7bc4\u56f2\u5185\u3067\u3057\u304b\u4f7f\u3048\u305a\u3001\u30db\u30c6\u30eb\u306e\u30c1\u30a7\u30c3\u30af\u30a4\u30f3\u3084\u30ec\u30f3\u30bf\u30ab\u30fc\u3067\u6c42\u3081\u3089\u308c\u308b\u4e0e\u4fe1\u67a0\u306e\u78ba\u4fdd\u304c\u3067\u304d\u306a\u3044\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u70ba\u66ff\u3068\u9001\u91d1\u306b\u306fWise\u3001\u8eab\u5206\u8a3c\u660e\u3068\u4e0e\u4fe1\u304c\u8981\u308b\u5834\u9762\u306b\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u3068\u3044\u3046\u7d44\u307f\u5408\u308f\u305b\u304c\u73fe\u5b9f\u7684\u3067\u3059\u3002<\/p>\n<h2 id=\"source\">\u3053\u306e\u8a18\u4e8b\u306e\u60c5\u5831\u6e90<\/h2>\n<p>\u3053\u306e\u8a18\u4e8b\u306f\u30012026\u5e7410\u67087\u65e5\u6642\u70b9\u3067\u5404\u6a5f\u95a2\u30fb\u5404\u793e\u304c\u516c\u8868\u3057\u3066\u3044\u308b\u60c5\u5831\u306b\u3082\u3068\u3065\u3044\u3066\u4f5c\u6210\u3057\u3066\u3044\u307e\u3059\u3002\u5236\u5ea6\u306e\u904b\u7528\u3084\u30ab\u30fc\u30c9\u306e\u5e74\u4f1a\u8cbb\u30fb\u624b\u6570\u6599\u7387\u30fb\u4ed8\u5e2f\u4fdd\u967a\u306f\u5909\u66f4\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308b\u305f\u3081\u3001\u5b9f\u969b\u306b\u304a\u7533\u3057\u8fbc\u307f\u306b\u306a\u308b\u969b\u306f\u5fc5\u305a\u516c\u5f0f\u30da\u30fc\u30b8\u3067\u6700\u65b0\u306e\u5185\u5bb9\u3092\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n<ul>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff08RBA\uff09\uff5c<a href=\"https:\/\/rba.gov.au\/media-releases\/2026\/mr-26-10.html\">Review of Merchant Card Payment Costs and Surcharging \u2013 Conclusions Paper<\/a>\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u5ec3\u6b62\u306e\u6c7a\u5b9a\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff08RBA\uff09\uff5c<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/executive-summary.html\">Executive Summary<\/a>\uff08\u5bfe\u8c61\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3001\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u7dcf\u984d\u306e\u8a66\u7b97\u3001\u5024\u4e0a\u3052\u306e\u898b\u8fbc\u307f\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff08RBA\uff09\uff5c<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/interchange-fees.html\">3. Interchange Fees<\/a>\uff08\u56fd\u5185\u30fb\u6d77\u5916\u767a\u884c\u30ab\u30fc\u30c9\u306e\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u4e0a\u9650\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff08RBA\uff09\uff5c<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/impact-and-implementation.html\">8. Impact and Implementation<\/a>\uff08\u5404\u63aa\u7f6e\u306e\u65bd\u884c\u65e5\u3001\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u5bfe\u8c61\u5916\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff08RBA\uff09\uff5c<a href=\"https:\/\/www.rba.gov.au\/payments-and-infrastructure\/review-of-retail-payments-regulation\/2026-03\/conclusions-paper\/faqs\/\">FAQs: Removal of Payment Surcharges<\/a>\uff08Amex\u306a\u3069\u5404\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u5bfe\u5fdc\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u6e96\u5099\u9280\u884c\uff08RBA\uff09\uff5c<a href=\"https:\/\/www.rba.gov.au\/media-releases\/2026\/mr-26-17.html\">Review of Payments System Regulation<\/a>\uff08Amex\u30fbBNPL\u30fb\u30e2\u30d0\u30a4\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3092\u5bfe\u8c61\u3068\u3059\u308b\u6b21\u306e\u30ec\u30d3\u30e5\u30fc\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7af6\u4e89\u30fb\u6d88\u8cbb\u8005\u59d4\u54e1\u4f1a\uff08ACCC\uff09\uff5c<a href=\"https:\/\/www.accc.gov.au\/consumers\/pricing\/card-surcharges\">Card surcharges<\/a>\uff08\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306e\u6271\u3044\u3001\u5024\u4e0a\u3052\u306e\u969b\u306e\u8868\u793a\u30eb\u30fc\u30eb\u3092\u78ba\u8a8d\uff09<\/li>\n<li>Westpac\uff5c<a href=\"https:\/\/www.westpac.com.au\/business-banking\/merchants-and-payments\/manage\/agreement-fees-and-charges\/cost-of-acceptance\/\">Card Payment Surcharges<\/a>\uff08JCB\u30fbUnionPay\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u64a4\u5ec3\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff5c<a href=\"https:\/\/www.smbc-card.com\/mem\/service\/sec\/kaigai01.jsp\">\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u3054\u5229\u7528<\/a>\uff08\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u7387\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\uff5c<a href=\"https:\/\/www.eposcard.co.jp\/articles\/news\/250530.html\">\u5916\u8ca8\u3067\u306e\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u5229\u7528\u6642\u306e\u4e8b\u52d9\u624b\u6570\u6599\u6539\u5b9a\u306e\u304a\u77e5\u3089\u305b<\/a>\uff08\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u7387\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30a4\u30aa\u30f3\u30ab\u30fc\u30c9\uff5c<a href=\"https:\/\/www.aeonbank.co.jp\/aeoncard\/use\/shopping_w\/\">\u6d77\u5916\u3067\u306e\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0<\/a>\uff08\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u7387\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30a8\u30dd\u30b9\u30ab\u30fc\u30c9\uff5c<a href=\"https:\/\/www.eposcard.co.jp\/benefit\/oversea\/insurance.html\">\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a<\/a>\uff08\u4ed8\u5e2f\u65b9\u5f0f\u30fb\u88dc\u511f\u671f\u9593\u30fb\u88dc\u511f\u91d1\u984d\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff5c<a href=\"https:\/\/www.smbc-card.com\/nyukai\/card\/numberless.jsp\">\u4e09\u4e95\u4f4f\u53cb\u30ab\u30fc\u30c9\uff08NL\uff09<\/a>\uff08\u5e74\u4f1a\u8cbb\u30fb\u7533\u8fbc\u6761\u4ef6\u30fb\u4ed8\u5e2f\u4fdd\u967a\u3092\u78ba\u8a8d\uff09<\/li>\n<li>\u30e9\u30a4\u30d5\u30ab\u30fc\u30c9\uff5c<a href=\"https:\/\/www.lifecard.co.jp\/info\/insurance_revision.html\">\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u306e\u5185\u5bb9\u5909\u66f4\u306b\u3064\u3044\u3066\u306e\u304a\u77e5\u3089\u305b<\/a>\uff08\u5b66\u751f\u5c02\u7528\u30ab\u30fc\u30c9\u306e\u6d77\u5916\u65c5\u884c\u50b7\u5bb3\u4fdd\u967a\u5ec3\u6b62\u3092\u78ba\u8a8d\uff09<\/li>\n<li>Wise\uff5c<a href=\"https:\/\/wise.com\/jp\/pricing\/card-fees\">\u30ab\u30fc\u30c9\u306e\u624b\u6570\u6599<\/a>\uff08\u767a\u884c\u624b\u6570\u6599\u30fbATM\u51fa\u91d1\u306e\u7121\u6599\u67a0\u3092\u78ba\u8a8d\uff09<\/li>\n<\/ul>\n<hr \/>\n<h2 id=\"sum\">\u307e\u3068\u3081<\/h2>\n<p>2026\u5e7410\u67081\u65e5\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ab\u30fc\u30c9\u6255\u3044\u304b\u3089\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002Visa\u30fbMastercard\u30fbeftpos\u306fRBA\u306e\u5236\u5ea6\u6539\u6b63\u306b\u3088\u3063\u3066\u3001Amex\u3068JCB\u306f\u5404\u793e\u306e\u81ea\u4e3b\u7684\u306a\u5bfe\u5fdc\u306b\u3088\u3063\u3066\u3001\u3069\u306e\u30d6\u30e9\u30f3\u30c9\u3067\u6255\u3063\u3066\u3082\u30ec\u30b8\u3067\u4e0a\u4e57\u305b\u3055\u308c\u308b\u3053\u3068\u306f\u306a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u30ab\u30d5\u30a7\u3084\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u9031\u672b\u30fb\u795d\u65e5\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u5909\u308f\u3089\u305a\u6b8b\u308a\u307e\u3059\u3002<\/p>\n<p>\u898b\u843d\u3068\u3057\u3084\u3059\u3044\u306e\u306f\u3001\u65e5\u672c\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u8acb\u6c42\u3059\u308b\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u3067\u3059\u3002\u3053\u3061\u3089\u306f\u5236\u5ea6\u6539\u6b63\u306e\u5bfe\u8c61\u5916\u3067\u3001\u30ab\u30fc\u30c9\u306b\u3088\u3063\u30661.60%\u304b\u30893.85%\u307e\u3067\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u306a\u304f\u306a\u3063\u305f\u4eca\u3001\u30ab\u30fc\u30c9\u9078\u3073\u3067\u5dee\u304c\u3064\u304f\u306e\u306f\u4ed8\u5e2f\u4fdd\u967a\u3068\u6d77\u5916\u4e8b\u52d9\u624b\u6570\u6599\u306e2\u70b9\u3067\u3059\u3002\u4fdd\u967a\u7528\u3068\u65e5\u5e38\u6c7a\u6e08\u7528\u3067\u30ab\u30fc\u30c9\u3092\u5206\u3051\u3001Visa\u3068Mastercard\u30921\u679a\u305a\u3064\u3001\u305d\u3053\u306bWise\u3092\u8db3\u30593\u679a\u69cb\u6210\u3092\u57fa\u672c\u306b\u8003\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u305d\u3057\u3066\u3001\u3069\u306e\u30ab\u30fc\u30c9\u3092\u9078\u3093\u3060\u3068\u3057\u3066\u3082\u3001\u4ed8\u5e2f\u4fdd\u967a\u306f\u7559\u5b66\u4fdd\u967a\u306e\u4ee3\u308f\u308a\u306b\u306f\u306a\u308a\u307e\u305b\u3093\u3002OSHC\u3084OVHC\u306f\u5fc5\u305a\u5225\u306b\u624b\u914d\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u30ab\u30fc\u30c9\u3082\u4fdd\u967a\u3082\u3001\u6e21\u822a\u524d\u306b\u6c7a\u3081\u3066\u304a\u3051\u3070\u73fe\u5730\u3067\u60a9\u307e\u305a\u306b\u6e08\u307f\u307e\u3059\u3002\u3054\u81ea\u8eab\u306e\u6ede\u5728\u671f\u9593\u3084\u30d3\u30b6\u306b\u5408\u308f\u305b\u3066\u3069\u3046\u7d44\u307f\u7acb\u3066\u308c\u3070\u3044\u3044\u304b\u8ff7\u308f\u308c\u305f\u3089\u3001\u8a18\u4e8b\u306e\u6700\u5f8c\u306e\u7121\u6599\u76f8\u8ac7\u304b\u3089\u304a\u6c17\u8efd\u306b\u3054\u9023\u7d61\u304f\u3060\u3055\u3044\u3002<\/p>\n<hr \/>\n<h2 id=\"is-support\">\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30b5\u30dd\u30fc\u30c8<\/h2>\n<p>\u30ab\u30fc\u30c9\u9078\u3073\u3001\u4fdd\u967a\u306e\u624b\u914d\u3001\u73fe\u5730\u306e\u9280\u884c\u53e3\u5ea7\u3002\u6e21\u822a\u524d\u306b\u6c7a\u3081\u308b\u3053\u3068\u306f\u591a\u304f\u3001\u3057\u304b\u3082\u30d3\u30b6\u306e\u7a2e\u985e\u3084\u6ede\u5728\u671f\u9593\u306b\u3088\u3063\u3066\u6700\u9069\u306a\u7b54\u3048\u304c\u5909\u308f\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u305a\u3064\u8abf\u3079\u3066\u3044\u308b\u3068\u3001\u305d\u308c\u3060\u3051\u3067\u6570\u9031\u9593\u304c\u904e\u304e\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<p>\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306f\u300130\u5e74\u4ee5\u4e0a\u30fb30,000\u4eba\u4ee5\u4e0a\u306e\u7559\u5b66\u751f\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u304d\u307e\u3057\u305f\u30022025\u5e747\u6708\u304b\u3089\u306f\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u653f\u5e9c\u767b\u9332\u306e\u65e5\u672c\u4eba\u79fb\u6c11\u4ee3\u7406\u4eba\uff08MARN\uff09\u306b\u3088\u308b\u65e5\u672c\u8a9e\u3067\u306e\u30d3\u30b6\u76f8\u8ac7\u3082\u59cb\u3081\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u307e\u3067\u57f9\u3063\u305f\u7d4c\u9a13\u3068\u5c02\u9580\u77e5\u8b58\u3092\u6d3b\u304b\u3057\u3001\u5931\u6557\u3057\u306a\u3044\u5b66\u6821\u30fb\u30b3\u30fc\u30b9\u9078\u3073\u304b\u3089\u3001\u6226\u7565\u7684\u306a\u30d3\u30b6\u7533\u8acb\u307e\u3067\u4e00\u4eba\u3072\u3068\u308a\u306b\u5408\u308f\u305b\u305f\u30b5\u30dd\u30fc\u30c8\u3092\u3054\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li><b>\u30d7\u30ed\u306b\u3088\u308b\u5c02\u9580\u30b5\u30dd\u30fc\u30c8\uff1a<\/b> \u30d3\u30b6\u306e\u7a2e\u985e\u3068\u6ede\u5728\u671f\u9593\u306b\u5408\u308f\u305b\u3066\u3001OSHC\u30fbOVHC\u306e\u624b\u914d\u307e\u3067\u307e\u3068\u3081\u3066\u3054\u6848\u5185\u3057\u307e\u3059\u3002<\/li>\n<li><b>\u78ba\u304b\u306a\u30d7\u30e9\u30f3\u30cb\u30f3\u30b0\uff1a<\/b> \u6e21\u822a\u524d\u306b\u305d\u308d\u3048\u308b\u624b\u7d9a\u304d\u3092\u6642\u7cfb\u5217\u3067\u6574\u7406\u3057\u3001\u629c\u3051\u6f0f\u308c\u306e\u306a\u3044\u6e96\u5099\u3092\u304a\u624b\u4f1d\u3044\u3057\u307e\u3059\u3002<\/li>\n<li><b>\u30aa\u30fc\u30c0\u30fc\u30e1\u30a4\u30c9\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\uff1a<\/b> \u73fe\u5730\u5728\u4f4f\u30b9\u30bf\u30c3\u30d5\u304c\u3001\u9280\u884c\u53e3\u5ea7\u306e\u958b\u8a2d\u3084\u751f\u6d3b\u8cbb\u306e\u7ba1\u7406\u307e\u3067\u5b9f\u969b\u306e\u66ae\u3089\u3057\u306b\u5373\u3057\u3066\u304a\u7b54\u3048\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30b5\u30dd\u30fc\u30c8.png\" alt=\"\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0 \u30b5\u30dd\u30fc\u30c8\" width=\"570\" height=\"221\" class=\"alignnone size-full wp-image-2582\" srcset=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30b5\u30dd\u30fc\u30c8.png 1023w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30b5\u30dd\u30fc\u30c8-300x116.png 300w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30b5\u30dd\u30fc\u30c8-768x298.png 768w\" sizes=\"auto, (max-width: 570px) 100vw, 570px\" \/><\/p>\n<h3 id=\"booking\">\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0\u306e\u4e88\u7d04\u65b9\u6cd5<\/h3>\n<div style=\"border: 2px solid #D85A30; border-radius: 12px; padding: 1.25rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;\">\n<p style=\"margin: 0; font-size: 15px; font-weight: bold;\">\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u306e\u6e96\u5099\u3001\u307e\u305a\u306f\u7121\u6599\u3067\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\uff01<\/p>\n<div style=\"display: flex; gap: 8px; flex-wrap: wrap;\">\n    <a href=\"https:\/\/ws.formzu.net\/sfgen\/S19087617\/\" style=\"display: inline-flex; align-items: center; gap: 7px; background: #D85A30; color: #fff; border-radius: 8px; padding: 10px 18px; font-size: 15px; font-weight: bold; text-decoration: none;\">&#x2709; \u7121\u6599\u76f8\u8ac7\u30d5\u30a9\u30fc\u30e0<\/a><br \/>\n    <a href=\"https:\/\/line.me\/R\/ti\/p\/@qne5789q?oat_content=url&#038;ts=10091426\" style=\"display: inline-flex; align-items: center; gap: 7px; background: #06C755; color: #fff; border-radius: 8px; padding: 10px 18px; font-size: 15px; font-weight: bold; text-decoration: none;\">&#x1f4ac; LINE\u3067\u76f8\u8ac7<\/a>\n  <\/div>\n<\/div>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66-\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0.png\" alt=\"\u30a2\u30a4\u30a8\u30b9\u7559\u5b66\u306e\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0\u4e88\u7d04\u65b9\u6cd5\" width=\"570\" height=\"490\" class=\"alignnone size-full wp-image-2583\" srcset=\"https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66-\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0.png 1038w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66-\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0-300x258.png 300w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66-\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0-768x661.png 768w, https:\/\/www.study-au.com\/blog\/wp-content\/uploads\/2026\/01\/\u30a2\u30a4\u30a8\u30b9\u7559\u5b66-\u30ab\u30a6\u30f3\u30bb\u30ea\u30f3\u30b0-1024x881.png 1024w\" sizes=\"auto, (max-width: 570px) 100vw, 570px\" \/><\/p>\n<p>\u300c\u307e\u3060\u4f55\u3082\u6c7a\u307e\u3063\u3066\u3044\u306a\u3044\u300d\u300c\u3069\u306e\u5b66\u6821\u304c\u5408\u3046\u304b\u5206\u304b\u3089\u306a\u3044\u300d\u3068\u3044\u3046\u6bb5\u968e\u3067\u3082\u5927\u4e08\u592b\u3067\u3059\u3002\u304a\u6c17\u8efd\u306b\u3054\u9023\u7d61\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong>&#x25b6; \u3042\u308f\u305b\u3066\u8aad\u307f\u305f\u3044\u95a2\u9023\u8a18\u4e8b<\/strong><br \/>\n<a href=\"https:\/\/www.study-au.com\/blog\/2023\/10\/25\/australian_insurance\/\">\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u306e\u4fdd\u967a\u6bd4\u8f03\uff5cOSHC\u30fbOVHC\u306e\u9078\u3073\u65b9<\/a><br \/>\n<a href=\"https:\/\/www.study-au.com\/blog\/2026\/01\/01\/installlocalapps\/\">\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u73fe\u5730\u30a2\u30d7\u30ea\u3092\u30a4\u30f3\u30b9\u30c8\u30fc\u30eb\u3059\u308b\u65b9\u6cd5\uff5c\u4fbf\u5229\u30a2\u30d7\u30ea30\u9078\u3082\u7d39\u4ecb<\/a><br \/>\n<a href=\"https:\/\/www.study-au.com\/blog\/2026\/03\/05\/coles-flybuys\/\">Coles \u00d7 Flybuys\u3067\u304a\u5f97\u306b\u304a\u8cb7\u3044\u7269\uff01\u30dd\u30a4\u30f3\u30c8\u30ab\u30fc\u30c9\u7bc0\u7d04\u8853<\/a><\/p>\n<div style=\"border: 2px solid #ff6600; padding: 0; border-radius: 10px; margin: 40px 0; background-color: #fffaf0; overflow: hidden;\">\n<table style=\"width: 100%; border-collapse: collapse; border: none; margin: 0;\">\n<tbody>\n<tr>\n<td style=\"padding: 25px 20px 20px 20px; text-align: center; border: none;\">\n<div style=\"margin: 0; color: #ff6600; font-weight: bold; font-size: 1.3em; line-height: 1;\">\u7559\u5b66\u30ab\u30bf\u30ed\u30b0\u65e5\u672c\u307e\u3067\u914d\u9001\u3057\u3066\u3044\u307e\u3059\uff01<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 0 20px; text-align: center; border: none;\">\n                    <a href=\"https:\/\/ws.formzu.net\/sfgen\/S19087617\/\" style=\"background-color: #ff6600; color: #ffffff !important; padding: 0; border-radius: 50px; text-decoration: none !important; font-weight: bold; font-size: 1.2em; box-shadow: 0 4px 15px rgba(0,0,0,0.2); display: inline-flex; align-items: center; justify-content: center; width: 300px; height: 60px;\"><br \/>\n                        <span style=\"display: block; line-height: 1; margin: 0; padding: 0;\">\u4eca\u3059\u3050\u7121\u6599\u3067\u8cc7\u6599\u8acb\u6c42<\/span><br \/>\n                    <\/a>\n                <\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 20px 20px 25px 20px; text-align: center; border: none;\">\n<div style=\"margin: 0; font-size: 0.9em; color: #333; line-height: 1;\">\u300c\u307e\u3060\u4f55\u3082\u6c7a\u307e\u3063\u3066\u3044\u306a\u3044\u72b6\u614b\u300d\u3067\u76f8\u8ac7\u3057\u3066OK\u3067\u3059\uff01<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"text-align: center; margin: 40px 0; width: 100%;\">\n<div style=\"font-weight: bold; font-size: 1.1em; color: #333; margin-bottom: 20px;\">\uff3c \u304a\u898b\u7a4d\u3082\u308a\u30fb\u3054\u76f8\u8ac7 \u304a\u6c17\u8efd\u306b\u3069\u3046\u305e\uff01 \uff0f<\/div>\n<table style=\"width: 100%; max-width: 700px; margin: 0 auto; border-collapse: separate; border-spacing: 10px 0; border: none;\">\n<tbody>\n<tr>\n<td style=\"width: 50%; padding: 0; vertical-align: middle; border: none;\">\n                    <a href=\"https:\/\/lin.ee\/nMxS81X\" style=\"text-decoration: none !important; display: block;\"><\/p>\n<div style=\"background-color: #06c755; color: #ffffff !important; height: 60px; border-radius: 8px; font-weight: bold; display: flex; align-items: center; justify-content: center; font-size: 14px; line-height: 1; padding: 0 5px;\">\n                            &#x1f4ac; LINE\u3067\u7121\u6599\u76f8\u8ac7\u3059\u308b\n                        <\/div>\n<p>                    <\/a>\n                <\/td>\n<td style=\"width: 50%; padding: 0; vertical-align: middle; border: none;\">\n                    <a href=\"https:\/\/www.instagram.com\/is.ryugaku?igsh=Mjl5OWF0NHJwb3By&#038;utm_source=qr\" style=\"text-decoration: none !important; display: block;\"><\/p>\n<div style=\"background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%); color: #ffffff !important; height: 60px; border-radius: 8px; font-weight: bold; display: flex; align-items: center; justify-content: center; font-size: 14px; line-height: 1; padding: 0 5px;\">\n                            &#x1f4f8; \u516c\u5f0fInstagram\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\n                        <\/div>\n<p>                    <\/a>\n                <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u7559\u5b66\u30fb\u30ef\u30fc\u30db\u30ea\u5411\u3051\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u6bd4\u8f03\u30022026\u5e7410\u67081\u65e5\u304b\u3089\u59cb\u307e\u308b\u30ab\u30fc\u30c9\u624b\u6570\u6599\uff08\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\uff09\u5ec3\u6b62\u306e\u5bfe\u8c61\u30fb\u5bfe\u8c61\u5916\u3001\u4ed8\u5e2f\u4fdd\u967a\u304c\u6700\u957790\u65e5\u3057\u304b\u306a\u3044\u843d\u3068\u3057\u7a74\u3001Wise\u3084\u30c7\u30d3\u30c3\u30c8\u3068\u306e\u4f7f\u3044\u5206\u3051\u307e\u3067\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":3602,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide"],"_links":{"self":[{"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/posts\/1251","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/comments?post=1251"}],"version-history":[{"count":28,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/posts\/1251\/revisions"}],"predecessor-version":[{"id":3884,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/posts\/1251\/revisions\/3884"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/media\/3602"}],"wp:attachment":[{"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/media?parent=1251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/categories?post=1251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.study-au.com\/blog\/wp-json\/wp\/v2\/tags?post=1251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}