Korea Korea 
| Total last month spending with this card | 0 KRW ~ | 300,000 KRW ~ | 1,000,000 KRW ~ |
|---|---|---|---|
| Reward rate | Basic reward rate(0.2%) | 0.3% | 0.4% |
- For more information about the reward programme, please refer to: NH포인트.
- 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), College titution fee(대학등록금), School fee payment(초중고 학교 납입금), Property/House rent(부동산/주택임대료), Tax payment(세금납부액), Public utility charges(공공요금/공과금), Korea Post Office(우체국), National Health Insurance Service(국민건강보험), National Pension Service(국민연금), Employment insurance(고용보험), Workers'Compensation Insurance(산재보험), Apartment maintenance fee(아파트관리비), Gas bill(도시가스 요금), Electricity bill(전기요금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Cryptocurrency purchases(가상화폐 구매)
- This benefit will be duplicated with other benefits.
- For more information about the reward programme, please refer to: NH포인트.
- Gift card, voucher purchases may not qualify for earning rewards.
- Purchases made in leased departments inside the shop may not qualify 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.
- For more information about the reward programme, please refer to: NH포인트.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
- For more information about the reward programme, please refer to: NH포인트.
- 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.
- For more information about the reward programme, please refer to: NH포인트.
- 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 may not qualify 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.
- For more information about the reward programme, please refer to: NH포인트.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
- You can access into airport lounges with free of charge. You don't need any extra card for free entry.
- Available lounges : Matina Lounge - ICN(인천 마티나 라운지), SKY Hub Lounge - ICN(인천 스카이 허브 라운지), SPC Lounge - ICN(인천 SPC라운지), Lotte LOUNGE.L - ICN(인천 롯데라운지.L ), SKY Hub Lounge - GMP(김포 스카이 허브 라운지)
- You must spend 500,000 KRW or more with this card in the last month to get free entry into an airport lounge.
- Free access limit : 1 time a year
- Only the card holder can access without charge. You may need to pay if you have companions.
| Networks | Annual fee | Foreign transaction fee (Purchase) |
|---|---|---|
 | No annual fee | 1.1% + $0.5 |
 | No annual fee | N/A |