Card Design
카드의 정석 SHOPPING

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.
  • ONLINE   10 % Cash back in All online shops

    • Online shop Logo
    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 700,000 KRW ~ 1,200,000 KRW ~
    Monthly Cash back limit No cash back 4,000 8,000 16,000

    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.
    - "All online purchases(shops)" mean all purchases made through a payment gateway or digital wallet service. Almost domestic online shops are applicable. However, some online purchases like tax payment, express bus ticket or train ticket purchase will not be recognised as an online purchase.
    - This won't be counted towards the total cash back limit.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • O2O   5 % Cash back on Eligible online digital wallet uses

    • Online shop Logo
    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 700,000 KRW ~ 1,200,000 KRW ~
    Monthly Cash back limit No cash back 4,000 8,000 16,000

    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.
    - "All online purchases(shops)" mean all purchases made through a payment gateway or digital wallet service. Almost domestic online shops are applicable. However, some online purchases like tax payment, express bus ticket or train ticket purchase will not be recognised as an online purchase.
    - This won't be counted towards the total cash back limit.
    - 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.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.
    - It shares the limit with 'Online' (All online shops) benefit of this card.
    - You must use one of the following Digital wallet services with this card : Samsung Pay(삼성페이), Naver Pay(네이버페이), Kakao Pay(카카오페이), PAYCO(페이코). You may need a smartphone with a carrier network plan.

  • DEPT STORE   10 % Cash back at Lotte Dept Store, Hyundai Dept Store, Shinsegae Dept Store

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

    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.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • MART   10 % Cash back at E-Mart, Homeplus, Lotte Mart, Mega Mart, Y-MART

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

    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.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • MART   10 % Cash back at E-Mart Traders, Lotte VIC Market, IKEA Korea

    • E-Mart Traders Logo
    • IKEA Korea Logo

    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.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • SHOPPING   10 % Cash back at E-Mart Everyday, Lotte Super, Homeplus Express, GS Supermarket

    • Homeplus Express Logo
    • GS THE FRESH Logo

    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.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • SHOPPING   10 % Cash back at Lotte Outlets, Hyundai Outlets, Premium Outlets

    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.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • C-STORE   10 % Cash back at CU, GS25, E-Mart 24 (WithMe)

    • CU Logo
    • GS25 Logo
    • E-Mart 24 Logo

    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.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • OTHER   10 % Cash back at Olive Young, LOHB's, Lalavla(Watsons), Daiso

    • Olive Young Logo
    • LOHB's Logo
    • Lalavla Logo
    • Daiso Logo

    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.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • PETROL   60 KRW/L Cash back at SK Petrol Station, GS Caltex, S-Oil, Hyundai Oilbank

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

    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.
    - Your card will never count how much you actually refuelled your car, but will estimate with its spending amount and the standard price from the oil refinery company. For example, If you paid 50,000 KRW in a petrol station offers the price at 1,600 KRW per litre, it will be around 31L and you might think you'll earn 1,860 KRW. However, if the standard price is 1,800 KRW per litre, your card will count as you've got around 21L and it will actually give you 1,260 KRW as reward. You can contact your card company to check the standard price.
    - Recharging LPG is not eligible for this benefit.
    - Up to 100,000 KRW of each spending for this shop will be applied for the cash back reward.
    - Up to 300,000 KRW of monthly spending for this shop will be applied for the cash back reward.
    - This won't be counted towards the total cash back limit.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

  • COFFEE   10 % Cash back at Starbucks, Paul Bassett

    • Starbucks Logo
    Total last month spending of this card 0 KRW ~ 300,000 KRW ~
    Monthly Cash back limit No cash back 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.
    - Up to 10,000 KRW of each spending for this shop will be applied for the cash back reward. (Maximum reward amount for each spending : 1,000)
    - This won't be counted towards the total cash back limit.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

Required spending amount 0 KRW ~ 300,000 KRW ~ 700,000 KRW ~ 1,200,000 KRW ~
Total Reward limit 0 6,000 12,000 24,000

Networks Annual fee FX fee (Purchase)
12,000 KRW1% + 0.3%
12,000 KRW1% + 0.3%
10,000 KRW0.3%
  • 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 :
    50% of rewarded purchases in Online shop(온라인/전자상거래 업종), Online shop(온라인/전자상거래 업종), Lotte Dept Store(롯데백화점), Hyundai Dept Store(현대백화점), Shinsegae Dept Store(신세계백화점), E-Mart(이마트), Homeplus(홈플러스), Lotte Mart(롯데마트), Mega Mart(메가마트), Y-MART(Y-마트(영암마트)), E-Mart Traders(이마트 트레이더스), Lotte VIC Market(롯데빅마켓), IKEA Korea(이케아), E-Mart Everyday(이마트 에브리데이), Lotte Super(롯데슈퍼), Homeplus Express(홈플러스 익스프레스), GS THE FRESH(GS THE FRESH), Lotte Outlets(롯데아울렛), Hyundai Outlets(현대아울렛), Premium Outlets(프리미엄 아울렛), CU(씨유), GS25(GS25), E-Mart 24(이마트24), Olive Young(올리브영), LOHB's(롭스), Lalavla(랄라블라), Daiso(다이소), SK Petrol Station(SK 주유소), GS Caltex(GS 칼텍스), S-Oil(에쓰오일), Hyundai Oilbank(현대 오일뱅크), Starbucks(스타벅스), Paul Bassett(폴바셋), Installment purchases without interest(무이자할부 구매), Tax payment(세금납부액), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), All overseas purchases(해외이용금액), 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
우리카드, 비씨카드
Available networks
VISA, MasterCard, UnionPay
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
Protection from unauthorised transactions
Yes
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