Card Design
부자되세요 아파트카드 (농협)

Benefit / Reward services of the card

  • The following benefits are what you can get by using this card for buying or paying for something in shops.
  • Some benefits may require some preconditions such as shop categories and minimun spending requirement. Click and see the notices described in each perk.
  • BILLS   5000~10000 KRW Cash back on Apartment maintenance fee
    Total last month spending of this card 0 KRW ~ 400,000 KRW ~ 800,000 KRW ~
    Cash back amount No cash back 5,000 KRW 10,000 KRW

    Notice

    - Cash back will be given only if you spend 100,000 KRW or more at once.
    - The cash back benefit will be applied in the form of statement credit(청구할인). You will be able to check this in your billing statement.
    - [Spending requirement] This benefit requires 400,000 KRW in total or more spendings of this card in the month before the purchase.
    - The spendings will be excluded from the required monthly spending.
    - This benefit will be provided only once a month.

  • SHOPPING   5 % Cash back at Nonghyup Hanaro Club, Nonghyup Hanaro Mart, E-Mart, Homeplus, Lotte Mart
    • Nonghyup Hanaro Club Logo
    • Nonghyup Hanaro Mart Logo
    • E-Mart Logo
    • Homeplus Logo
    • Lotte Mart Logo
    Total last month spending of this card 0 KRW ~ 400,000 KRW ~ 800,000 KRW ~ 1,500,000 KRW ~
    Monthly Cash back limit No cash back 3,000 6,000 10,000

    Notice

    - Cash back will be given only if you spend 30,000 KRW or more at once.
    - The cash back benefit will be applied in the form of statement credit(청구할인). You will be able to check this in your billing statement.
    - Gift card, voucher purchases will be disqualified for earning rewards.
    - Some of leased departments inside the shop may not be qualified for earning rewards.
    - [Spending requirement] This benefit requires 400,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided only twice a month.

  • SHOPPING   5 % Cash back at Daiso
    • Daiso Logo
    Total last month spending of this card 0 KRW ~ 400,000 KRW ~ 800,000 KRW ~ 1,500,000 KRW ~
    Monthly Cash back limit No cash back 3,000 6,000 10,000

    Notice

    - The cash back benefit will be applied in the form of statement credit(청구할인). You will be able to check this in your billing statement.
    - Gift card, voucher purchases will be disqualified for earning rewards.
    - Some of leased departments inside the shop may not be qualified for earning rewards.
    - Daiso offline shop could make a debit transaction, instead of a card transaction for paying. If this happens, the purchase won't be eligible for this benefit and won't be added to your total monthly card spending amount. When you shop, you need to inform their clerk that you want to pay with your card by saying "카드로 계산해 주세요.". You don't need to inform if your card doesn't let you access to your account through an ATM.
    - [Spending requirement] This benefit requires 400,000 KRW in total or more spendings of this card in the month before the purchase.
    - It shares the limit with 'Shopping' (Nonghyup Hanaro Club, Nonghyup Hanaro Mart, E-Mart, Homeplus, Lotte Mart) benefit of this card.

  • EDUCATION   5 % Cash back in All hagwons
    Total last month spending of this card 0 KRW ~ 400,000 KRW ~ 800,000 KRW ~ 1,500,000 KRW ~
    Monthly Cash back limit No cash back 3,000 6,000 10,000

    Notice

    - Cash back will be given only if you spend 50,000 KRW or more at once.
    - The cash back benefit will be applied in the form of statement credit(청구할인). You will be able to check this in your billing statement.
    - [Spending requirement] This benefit requires 400,000 KRW in total or more spendings of this card in the month before the purchase.
    - The spendings will be excluded from the required monthly spending.

  • COFFEE   5 % Cash back at Starbucks, Ediya Coffee, Gong Cha, Tous les jours, Dunkin' Donuts
    • Starbucks Logo
    • Ediya Coffee Logo
    • Tous les jours Logo
    • Dunkin' Donuts Logo
    Total last month spending of this card 0 KRW ~ 400,000 KRW ~ 800,000 KRW ~ 1,500,000 KRW ~
    Monthly Cash back limit No cash back 2,000 3,000 5,000

    Notice

    - The cash back benefit will be applied in the form of statement credit(청구할인). You will be able to check this in your billing statement.
    - You won't earn the reward for purchases made at bakery, restaurant, cafe inside certain department, grocery, discount and convenience stores, warehouse clubs or train stations.
    - Gift card, voucher purchases will be disqualified for earning rewards.
    - [Spending requirement] This benefit requires 400,000 KRW in total or more spendings of this card in the month before the purchase.

Networks Annual fee Foreign transaction fee (Purchase)
12,000 KRW1% + 0.25%
10,000 KRW0.25%
  • Some or all of the card benefits require a certain amount of monthly or annual spendings and you can fulfil the requirement by using your card for a certain amount in a month. However, some of the purchases will be excluded from it and they'll still be billed.
  • The following purchases will not be counted towards into required monthly spending amount :
    Apartment maintenance fee(아파트관리비), Hagwon(학원), Electricity bill(전기요금), Gas bill(도시가스 요금), National tax(국세), Local tax(지방세), Employment insurance(고용보험), Workers'Compensation Insurance(산재보험), National Pension Service(국민연금), National Health Insurance Service(국민건강보험), Rent for a LH rental house(한국토지주택공사 임대료), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), All overseas purchases(해외이용금액), Korea Post Office(우체국), Cash Advance(단기카드대출), Card Loan(장기카드대출), ATM withdrawal(자동화기기 인출금액), Service fees including annual fee and foreign transaction fee (해외이용 수수료 및 연회비를 포함한 각종 수수료), Cancelled or refunded purchases(구매 취소건)
  • When you close your card, the annual fee for the remaning period of the year will be refunded. However, the costs of card issuance and delivery will be deducted from it. Also, if the annual fee is waived or given back by a speicial offer, or you recieved sign up, retention bonus(es) of the card, the annual fee won't be refunded.
  • All shops described in this page mean only the local merchants accept credit/check cards in Korea, unless otherwise noted or marked with the word "Overseas".
  • All shops that accept credit/check cards may have a merchant code determined and assigned by the shop, card issuer or network provider, and it's the key criteria for earning or not earning rewards for making purchases in a specific shop. If the shop doesn't have a merchant code in that category, even though a shop or some of the items that it sells may appear to fit within a rewards category, purchases in that shop won't qualify for rewards on purchases in that category and you won't be able to earn the basic, special or additional rewards on the purchases. Also, if the shop isn't in the exception for earning rewards, the purchases could qualify for the rewards. The categories may vary with the issuers and the ways of making purchases.
  • We are always making endeavours to bring all possible information to you. However, there could still be some missing information or benefits about the product. We strongly recommend you to get a detailed consultation from the card issuer.
Card type
Credit card (Charge card)
Issued by
NH농협은행, 비씨카드
Available networks
MasterCard, UnionPay
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
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