Here's the answer:
“ICカードを持っていますか”
(aishīkādo o mo-tte i-masu ka)
Watch a real native speaker say it:
Here's how it sounds in a textbook:
You could also say:
- ICカードを持ってますか
Fun fact: the hundreds of thousands of people learning Japanese with Memrise get this phrase correct 94.88% of the time!
