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.

MEDICAL 5 % Pointree(포인트리) rewards at All hospitals, pharmacies

Total last month spending of this card	0 KRW ~	300,000 KRW ~	500,000 KRW ~
Monthly Reward limit	No reward	2,000	4,000

Notice

- For more information about the reward programme, please refer to: 포인트리.
- Reward will be given only if you spend 5,000 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.

SHOPPING 5 % Pointree(포인트리) rewards at E-Mart, Lotte Mart, Homeplus, GS Shop(TV), CJ O Shopping

Total last month spending of this card	0 KRW ~	300,000 KRW ~	500,000 KRW ~
Monthly Reward limit	No reward	2,000	4,000

Notice

- For more information about the reward programme, please refer to: 포인트리.
- Reward will be given only if you spend 30,000 KRW or more at once.
- 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.

PETROL 5 % Pointree(포인트리) rewards at SK Petrol Station

Total last month spending of this card	0 KRW ~	300,000 KRW ~	500,000 KRW ~
Monthly Reward limit	No reward	2,000	4,000

Notice

- For more information about the reward programme, please refer to: 포인트리.
- Reward will be given only if you spend 30,000 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.

SPORTS 5 % Pointree(포인트리) rewards at All country clubs, driving ranges

Total last month spending of this card	0 KRW ~	300,000 KRW ~	500,000 KRW ~
Monthly Reward limit	No reward	3,000	6,000

Notice

- For more information about the reward programme, please refer to: 포인트리.
- Reward will be given only if you spend 20,000 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.

BEAUTY 5 % Pointree(포인트리) rewards at All public bathhouses, Jjimjilbang

Total last month spending of this card	0 KRW ~	300,000 KRW ~	500,000 KRW ~
Monthly Reward limit	No reward	3,000	6,000

Notice

- For more information about the reward programme, please refer to: 포인트리.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
- It shares the limit with 'Sports' (All country clubs, driving ranges) benefit of this card.

OTHER 2000 Pointree(포인트리) rewards on Insurance payment

Notice

- For more information about the reward programme, please refer to: 포인트리.
- Reward will be given only if you spend 100,000 KRW or more at once.
- If you want to pay your insurance with this card, You must contact your insurance company and assure if they accept credit / check cards from KB국민카드 first.
- [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 once a month.

Networks	Annual fee	Foreign transaction fee (Purchase)
	No annual fee	1% + 0.25%
	No annual fee	N/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 :
Public transport(Bus, Subway)(대중교통(버스,지하철)), Vending machines(자판기), Use of the govt subsidy(정부지원금 사용), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Local tax(지방세), 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.
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 : 21st Jun 2019
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: KB국민카드
To apply, you must have an account in one of these institutions: KB국민은행
Available networks: MasterCard, Local
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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