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.

PETROL 100~150 KRW/L Cash back in GS Caltex, Nonghyup Petrol stations and their LPG stations

Total last month spending of this card	0 KRW ~	300,000 KRW ~	800,000 KRW ~	1,500,000 KRW ~
Cash back rate	No cash back	100/L KRW	120/L KRW	150/L KRW

Total last month spending of this card	0 KRW ~	300,000 KRW ~	800,000 KRW ~	1,500,000 KRW ~
Monthly Cash back limit	No cash back	10,000	20,000	40,000

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.
- 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 3,100 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 2,100 KRW as reward. You can contact your card company to check the standard price.
- Up to 100,000 KRW of each 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.
- The spendings will be excluded from the required monthly spending.

COFFEE 10 % NH Point(NH포인트) rewards at Starbucks, Ediya Coffee
Notice

- For more information about the reward programme, please refer to: NH포인트.
- 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 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.
C-STORE 5 % NH Point(NH포인트) rewards at CU, GS25
Notice

- For more information about the reward programme, please refer to: NH포인트.
- 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.
TRANSPORT 5 % NH Point(NH포인트) rewards on Taxi, Public transport uses

Notice

- For more information about the reward programme, please refer to: NH포인트.
- 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 300,000 KRW in total or more spendings of this card in the month before the purchase.

O2O 10 % NH Point(NH포인트) rewards at Kakao Driver (Recurring payment)

Total last month spending of this card	0 KRW ~	300,000 KRW ~
Monthly Reward limit	No reward	3,000

Notice

- For more information about the reward programme, please refer to: NH포인트.
- This won't be counted towards the total reward limit.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
- This benefit will be provided only twice a month.

TRANSPORT Preferred benefits at auto Oasis
- 30,000 KRW discount on motor oil replacement(2/year)
- 20,000 KRW discount on automatic transmission fluid replacement(once a year)
- 20,000 KRW discount on recharging freon R-134 to your car A/C(once a year)
- 10,000 KRW discount on A/C air filter replacement(once a year)
- 10,000 KRW discount on Antifreeze replacement(once a year)
- 10,000 KRW discount on brake fluid flush (once a year)
- 10% discount on eligible vehicle maintenance (once a year)

Note : Imported cars, vans with more than 12 seats, and lorries larger than 1.4-tonne ones are not eligible for this benefit.

Notice

- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

Required spending amount	0 KRW ~	300,000 KRW ~	800,000 KRW ~
Total Reward limit	0	5,000	10,000

Networks	Annual fee	Foreign transaction fee (Purchase)
	15,000 KRW	0.25%

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 :
GS Caltex(GS 칼텍스), GS Caltex(LPG)(GS 칼텍스(LPG)), Nonghyup Petrol station(농협주유소), NH-OIL (LPG)(NH-OIL (LPG)), NH-OIL(NH-OIL), 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), 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.
According to the policy of the Financial Supervisory Service(금융감독원), those benefits won't be changed within 3 years since its release date, unless the service provider goes bankrupt, closes permanently or faces a huge financial trouble. Release date : 9th Aug 2018
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: UnionPay
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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