Card Design
카드의 정석 POINT CHECK

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.
  • MOBILE   1.5 % Moa Point(모아포인트) rewards on Eligible mobile phone bills
    Eligible carriers : SK Telecom, KT, KT M Mobile, LG U+, U+ Altteul mobile, CJ Hello Mobile
    • SK Telecom Logo
    • KT Logo
    • LG U+ Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - A "Mobile (Internet) bill" means any recurring bill charged by a mobile carrier or internet service provider. You won't be able to get this benefit for purchasing a mobile phone, manual bill payment or recharging a prepaid SIM.
    - Do not confuse with "kt"and "kt M mobile". They're different companies.
    - Do not confuse with "U+"and "U+ 알뜰모바일". They're different companies.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • TRANSPORT   1.5 % Moa Point(모아포인트) rewards in Public transport, Eligible EV stations
    Eligible EV stations : Ministry of Environment EV stations, KEVCS, ChargEV (PoscoICT), KEPCO EV stations, Charging Mate (KT)
    - You must use contactless card.

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - "Public transport (use)" means every contactless use of your credit/check card for taking a city bus or subway. Using your card for public transport through a digital wallet service(eg : Samsung Pay, LG Pay, PAYCO and more) won't be eligible for this benefit.
    - [Spending requirement] This benefit requires 3,000,000 KRW in total or more spendings of this card in the month before the purchase.

  • COFFEE   1.5 % Moa Point(모아포인트) rewards at Starbucks, Angel-in-us, Ediya Coffee

    • Starbucks Logo
    • Angel-in-us Logo
    • Ediya Coffee Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • CINEMA   1.5 % Moa Point(모아포인트) rewards at CGV, Lotte Cinema

    • CGV Logo
    • Lotte Cinema Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - Besides the eligible shops noted, You may not get the reward for purchase or booking a ticket through a third-party ticket agency.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • DEPT STORE   0.5 % Moa Point(모아포인트) rewards at Shinsegae Dept Store, Hyundai Dept Store, Lotte Dept Store

    • Shinsegae Dept Store Logo
    • Hyundai Dept Store Logo
    • Lotte Dept Store Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • MART   0.5 % Moa Point(모아포인트) rewards at E-Mart, Homeplus, Lotte Mart, E-Mart Traders, Lotte VIC Market

    • E-Mart Logo
    • Homeplus Logo
    • Lotte Mart Logo
    • E-Mart Traders Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • ONLINE   0.5 % Moa Point(모아포인트) rewards in Eligible online shops
    Eligible shops : 11st, GMarket, Auction, Lotte.com, Coupang, Ticket Monster, Wemakeprice, Wibee Market
    • 11STREET Logo
    • GMarket Logo
    • Auction Logo
    • Coupang Logo
    • TMON Logo
    • Wemakeprice Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • PETROL   0.5 % Moa Point(모아포인트) rewards at SK Petrol Station, GS Caltex, Hyundai Oilbank, S-Oil

    • SK Petrol Station Logo
    • GS Caltex Logo
    • Hyundai Oilbank Logo
    • S-Oil Logo

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - Recharging LPG is not eligible for this benefit.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • OVERSEAS   0.5 % Moa Point(모아포인트) rewards on All overseas purchases

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - [Spending requirement] This benefit requires 300,000 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.

  • ALL   0.3 % Moa Point(모아포인트) rewards on All other domestic purchases

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Exceptions(No reward for the following purchases) : All purchases made with other cards, Debit transaction through the bank network(은행공동망 이용 직불거래), 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), National tax(국세), Local tax(지방세), Public utility charges(공공요금/공과금), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Express Bus(고속버스), Use of the govt subsidy(정부지원금 사용), Apartment maintenance fee(아파트관리비)
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • O2O   1.5 % Moa Point(모아포인트) rewards on Eligible digital wallet uses

    Notice

    - For more information about the reward programme, please refer to: 모아포인트.
    - Exceptions(No reward for the following purchases) : All purchases made with other cards, Debit transaction through the bank network(은행공동망 이용 직불거래), 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), National tax(국세), Local tax(지방세), Public utility charges(공공요금/공과금), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Express Bus(고속버스), Use of the govt subsidy(정부지원금 사용), Apartment maintenance fee(아파트관리비)
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - This benefit will be duplicated with other benefits.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - You must use one of the following Digital wallet services with this card : Naver Pay(네이버페이), Kakao Pay(카카오페이), PAYCO(페이코), SSG Pay(SSG페이). You may need a smartphone with a carrier network plan.

Required spending amount 0 KRW ~ 300,000 KRW ~ 500,000 KRW ~ 800,000 KRW ~
Total Reward limit 0 10,000 20,000 30,000

Networks Annual fee Foreign transaction fee (Purchase)
No annual fee1% + $0.5
No annual fee1% + $0.5
No annual feeN/A
  • 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 :
    All overseas purchases(해외이용금액), Debit transaction through the bank network(은행공동망 이용 직불거래), 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)
  • 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
Check card
Issued by
우리카드, 비씨카드
To apply, you must have an account in one of these institutions
IBK기업은행, KB국민은행, NH농협은행, 농협(농축협조합), 우리은행, DGB대구은행, BNK부산은행, 광주은행, BNK경남은행, 하나은행, 신한은행
Available networks
VISA, MasterCard, Local
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
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