こんにちは〜宜野湾タイムをご覧いただきありがとうございます。
管理人のタケ（@take4futenma）です。
皆さんユニオンの電子マネーユニカードは使っていますか？
チャージの時にも支払いの時にもポイントが貯まる、ユニオンユーザーにとっては必須のカードです。
以前、ユニカードについて詳しく解説したのでこちらを参考にして下さい。
そんなユニカードはキャッシュレス決済でのポイント還元は対象なのでしょうか？
当記事では、
・そもそもキャッシュレス決済のポイント還元って何？
・ユニカードはポイント還元に対応しているの？
・ポイント還元は何％で、どこに、いつポイント還元されるの？
こういった疑問を解決していこうと思います。
Contents
そもそもキャッシュレス決済のポイント還元ってなに？
10月から消費税10%に増税されましたね。
たかが2%？
いやいや2%ってかなり大きいですよね。
そんな消費増税に伴い、国は『キャッシュレス・ポイント還元事業』というものを立ち上げました。
キャッシュレス・消費者還元事業は、2019年10月1日の消費税率引上げに伴い、
需要平準化対策として、キャッシュレス対応による生産性向上や
消費者の利便性向上の観点も含め、消費税率引上げ後の9カ月間に限り、
中小・小規模事業者によるキャッシュレス手段を使ったポイント還元を支援する事業です。
要は、『増税する代わりに、9ヶ月はクレジットカードなどのキャッシュレス決済したらポイント還元しちゃうよ』という制度です。
大まかな目安は上記の図となっています。
事業所によって２〜５％と幅はあり、対応していないお店もあります。
キャッシュレス事業のステッカーの有無を確認するか、公式アプリor公式ホームページでどのお店が対応しているか確認するのが一番確実です。
キャッシュレス消費者還元事業公式アプリはこちら⇩⇩
キャッシュレスによって還元率の違いもあり、大きく分けるとこういった違いがあります。
では、我々の家計の味方、ユニオンのユニカードは対象なのでしょうか？
結論：ユニカードはキャッシュレス・ポイント還元事業の対象です
結論からいうと、ユニオンが発行している独自の電子マネーである、『ユニカード』を使用してもキャッシュレスとみなされ、ポイント還元されます。
では、ポイント還元は何％でどこに、いつ還元されるのでしょうか？
ユニカードで支払った際の還元率は5%
ユニカードで支払った場合の還元率は現在5%となっています。
キャッシュバック事業の中でもっとも高い還元率ですね。
ポイントはどこにいつ還元されるの？
ユニカードでの支払い後、ポイント還元は１週間を目安にユニカード内に還元されます。
還元されたポイントはどこで確認したらいい？
ユニオン電子マネー５％還元については、前回のお買い物レシートの「ご利用後残高」と、今回のお買い物レシートの「ご利用前残高」との差額にてご確認できます。
なお、差額には５％還元の金額及び、その間にチャージされた金額と、チャージ（ﾌﾟﾚﾐｱﾑ）も含まれます。
ユニカードの裏にあるQRコードをスマホで読み込む事で、残高の確認もできます。
⇨ユニオンがついに電子マネー機能付きポイントカードユニカードを発表！！発行方法や還元率は？ぶっちゃけお得なのか解説します！！
まとめ
ユニカードはキャッシュレス事業にてポイント還元を受ける事ができます。
・キャッシュレス事業とは消費増税に合わせて国が進める2%or5%のポイント還元キャンペーンである
・ユニカードはポイント還元の対象になっている
・ユニカードのポイント還元は5%でユニカードに１週間前後で還元される
また、独自の電子マネーユニカードを利用する事で
・チャージ時、支払い時にポイントが貯まる（合計１％還元）
・キャッシュレス事業のポイント還元が受けれる（5%還元）
⇨つまり6%のキャッシュバックがあるということ！！
この２つの特典があります。
もはやユニオンユーザーは利用しない手はありません。
ユニカードの発行の方法や使い方についてはこちらの記事で詳しく記載していますので参考にして下さい。
以上、ユニカードはキャッシュレス決済でポイント還元は受ける事ができるのか？でした♩
星の数ほどあるクレジットカードで、結局どれを作ったらいいか分からなくなる方は多いと思います。
宜野湾タイムでは迷ったら『楽天カード』をオススメしています。
・年会費無料
・還元率1%（楽天市場内での使用で最大16倍までUP可能）
・カードを作成するだけで5000ポイントもらえる
それ以外にもメリットが多い楽天カードはメインカードにふさわしい最強カードです。
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