日本旅行支付方式｜現金、交通卡與信用卡使用心得
Paying in Japan｜Cash, IC Cards & Credit Cards Explained
Azuki / 2023.04
現今方便的支付方式，
讓付款更簡單
讓付款更簡單
「去日本要帶多少現金？信用卡能不能刷？交通卡是不是也能買東西？」這些都是很多人出發前的疑問。這篇文章整理了我在北海道實測後的心得，幫你快速搞懂日本旅遊最實用的三大支付方式：現金、交通卡、信用卡。
How much cash should I bring to Japan? Can I pay by card everywhere? Can I use my transit card to buy things too?" If you've been Googling these before your trip, this one's for you. After testing all three methods across nine days in Hokkaido, here's a quick breakdown of the most practical ways to pay in Japan: cash, transit cards, and credit cards.
Still the Most Reliable Choice
現金：還是最穩妥的選擇
雖然日本逐漸推動無現金化，但在很多地方，現金仍是王道。
・必備場景：鄉下小店、溫泉旅館、神社香火錢、部分拉麵店食券機。
・實測心得：我在北海道阿寒湖、根室等偏鄉，幾乎都只能用現金。
・建議攜帶：每天預留 ¥5,000–10,000 現金，避免臨時刷不過。
・必備場景：鄉下小店、溫泉旅館、神社香火錢、部分拉麵店食券機。
・實測心得：我在北海道阿寒湖、根室等偏鄉，幾乎都只能用現金。
・建議攜帶：每天預留 ¥5,000–10,000 現金，避免臨時刷不過。
Japan is slowly moving toward cashless payments, but in a lot of places, cash is still king.
・When you'll need it: small local shops, onsen ryokans, shrine offerings, and some ramen shops with ticket machines.
・From experience: in places like Lake Akan and Nemuro, cash was pretty much the only option.
・How much to carry: set aside around ¥5,000–10,000 per day, just to be safe.
・When you'll need it: small local shops, onsen ryokans, shrine offerings, and some ramen shops with ticket machines.
・From experience: in places like Lake Akan and Nemuro, cash was pretty much the only option.
・How much to carry: set aside around ¥5,000–10,000 per day, just to be safe.
小提醒：日本紙鈔很大張，錢包建議帶長夾或方便收納零錢的短夾。
Quick note: Japanese coins add up fast. A long wallet or one with a coin compartment will save you a lot of fumbling at the register.
IC Cards: Your Handy Travel Wallet
交通卡：便利小幫手
Suica、Pasmo、Kitaca、Icoca…名字不同，但基本功能都一樣。除了搭車，還能當小額支付工具。
・使用範圍：便利商店、部分自動販賣機、超市結帳。
・優點：快速感應，避免一直掏零錢。
・實測心得：我在札幌的唐吉訶德就用 Kitaca 支付，比排隊掏現金快很多。
・使用範圍：便利商店、部分自動販賣機、超市結帳。
・優點：快速感應，避免一直掏零錢。
・實測心得：我在札幌的唐吉訶德就用 Kitaca 支付，比排隊掏現金快很多。
小觀察：越來越多觀光客開始把交通卡當「行動錢包」，只要先儲值，就能搞定小額支付。
Worth noting: more and more travelers are treating their transit card like a mobile wallet. Top it up once and it handles most of your day-to-day spending.
Suica, Pasmo, Kitaca, Icoca, different names, but they all work the same way. And beyond getting around, they double as a handy way to pay for small purchases.
・Where you can use them: convenience stores, some vending machines, supermarket checkouts.
・Why it's great: tap and go, no digging around for change.
・From experience: paid at Don Quijote in Sapporo with Kitaca and it was so much faster than queuing with cash.
・Where you can use them: convenience stores, some vending machines, supermarket checkouts.
・Why it's great: tap and go, no digging around for change.
・From experience: paid at Don Quijote in Sapporo with Kitaca and it was so much faster than queuing with cash.
Convenient but Not Everywhere
信用卡：大城市的方便，但不一定萬能
在東京、大阪、札幌，信用卡幾乎無痛；但在地方小店，常會遇到「現金 Only」。
・適用場合：百貨公司、藥妝店、大型餐廳、飯店。
・限制場合：地方居酒屋、小食堂、老字號旅館。
・實測心得：在札幌藥妝店能順利刷卡退稅，但在旭川居酒屋，店員只說「現金大丈夫」。
・適用場合：百貨公司、藥妝店、大型餐廳、飯店。
・限制場合：地方居酒屋、小食堂、老字號旅館。
・實測心得：在札幌藥妝店能順利刷卡退稅，但在旭川居酒屋，店員只說「現金大丈夫」。
In Tokyo, Osaka, and Sapporo, cards work almost everywhere. But smaller local spots often stick to cash only.
・Works well at: department stores, drugstores, bigger restaurants, hotels.
・Might not work at: neighborhood izakayas, small diners, traditional inns.
・From experience: used a card at a Sapporo drugstore with no issues and got the tax refund too. But at an izakaya in Asahikawa, the staff just smiled and said "cash daijoubu."
・Works well at: department stores, drugstores, bigger restaurants, hotels.
・Might not work at: neighborhood izakayas, small diners, traditional inns.
・From experience: used a card at a Sapporo drugstore with no issues and got the tax refund too. But at an izakaya in Asahikawa, the staff just smiled and said "cash daijoubu."
建議：至少準備 2 種卡（Visa/Master + JCB 或 AMEX），以免機台不支援。
Tip: bring at least two cards (Visa or Mastercard plus JCB or Amex) in case one isn't supported.
Quick Summary: The Best Mix for Travelers
總結：怎麼搭配最安心？
・現金：必備，尤其是小店與偏鄉。
・交通卡：最適合日常通勤＋便利商店。
・信用卡：在都市與大型商場最方便。
・交通卡：最適合日常通勤＋便利商店。
・信用卡：在都市與大型商場最方便。
・Cash: non-negotiable, especially for small shops and rural areas.
・Transit card: best for daily commuting and convenience store runs.
・Credit card: most useful in cities and bigger stores.
・Transit card: best for daily commuting and convenience store runs.
・Credit card: most useful in cities and bigger stores.
👉 最佳策略：三者並用。用信用卡支付大額（飯店、藥妝），交通卡處理小額（便利商店、地鐵），現金保底（小吃店、鄉下）。
The best strategy: use all three. Card for big purchases like hotels and drugstores, transit card for small ones like convenience stores and the subway, and keep cash as your backup for local spots and off-the-beaten-path towns.
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QA時間
你在旅行時最常用哪一種支付方式？留言分享你的經驗
What's your go-to payment method when you travel? Share in the comments!
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