Card Design
올바른포인트카드

Caution

This card product is discontinued and no longer available for new members.
If you're holding this card, you can keep using your card until you close it or its expiry date. If you lose it, got stolen or damanged, you can reissue the card by contacting the issuer.

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.
  • ALL   0.7 % NH Point(NH포인트) rewards on All purchases
    If you're a Hanaro customer(Preferred customer of Nonghyup), the reward rate will be increased. See the table below :
    Total last month spending with this card 0 KRW ~ 300,000 KRW ~ 1,000,000 KRW ~ 2,000,000 KRW ~
    Reward rate Basic reward rate(0.7%) 0.8% 0.9% 1.0%

    Notice

    - For more information about the reward programme, please refer to : NH포인트.
    - Exceptions(No reward for the following purchases) : All purchases made with other cards, Cash Advance(단기카드대출 이용금액), Card Loan(장기카드대출 이용금액), 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), House rent(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.

  • SHOPPING   0.5 % NH Point(NH포인트) rewards at Nonghyup Hanaro Club, Nonghyup Hanaro Mart, Nonghyup Mall
    • Nonghyup Hanaro Club Logo
    • Nonghyup Hanaro Mart Logo

    Notice

    - For more information about the reward programme, please refer to : NH포인트.
    - 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.

  • C-STORE   0.5 % NH Point(NH포인트) rewards at GS25, CU, Olive Young
    • GS25 Logo
    • CU Logo
    • Olive Young Logo

    Notice

    - 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.

  • CINEMA   0.5 % NH Point(NH포인트) rewards at CGV
    • CGV Logo

    Notice

    - For more information about the reward programme, please refer to : NH포인트.
    - Besides 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.

  • COFFEE   0.5 % NH Point(NH포인트) rewards at Starbucks, Paris baguette
    • Starbucks Logo
    • Paris baguette Logo

    Notice

    - 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 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.

  • OVERSEAS   0.5 % NH Point(NH포인트) rewards in All overseas purchases, All duty free shops

    Notice

    - 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.

  • AIRPORT   Free airport lounge access

    - 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 300,000 KRW or more with this card in the last month to get free entry into an airport lounge.
    - Free access limit : 1 time a month, 2 times a year.
    - Only the card holder can access without charge. You may need to pay if you have companions.

Networks Annual fee FX fee (Purchase)
12,000 KRW1% + 0.25%
12,000 KRW1% + 0.25%
10,000 KRW1% + 0.25%
  • The following purchases will not be counted towards into required monthly spending amount :
    College titution fee(대학등록금), School fee payment(초중고 학교 납입금), House rent(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), 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
Available networks
VISA, MasterCard, JCB
Availability for new members
Discontinued
Integrated transport card
Optional (Deferred payment)
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