Card Design
신협-현대카드M2 Edition2
Credit Union-Hyundai Card M2 Edition2

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.
  • TRANSPORT   2~3 % M Point(엠포인트) rewards in Eligible shops(Transport, bake, culture)
    Eligible shops : Public transport, Taxi, All cinemas, Concert ticket purchases, All bookshops, All bakeries, All coffee shops, PizzaHut, VIPS
    • Coffee shop Logo
    • VIPS Logo
    Total monthly spending of this card 0 KRW ~ 500,000 KRW ~ 1,000,000 KRW ~
    Reward rate No reward 2% 3%

    Notice

    - For more information about the reward programme, please refer to: 엠포인트.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

  • BEAUTY   1~1.5 % M Point(엠포인트) rewards in All convenience stores, hair salons, cosmetic shops, insurances
    • Convenience store Logo
    Total monthly spending of this card 0 KRW ~ 500,000 KRW ~ 1,000,000 KRW ~
    Reward rate No reward 1% 1.5%

    Notice

    - For more information about the reward programme, please refer to: 엠포인트.
    - 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 현대카드 first.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

  • RESTAURANT   0.7~1.05 % M Point(엠포인트) rewards in All restaurants, online shops, clothing shops, miscellaneous shops, Mobile phone bills
    • Restaurant Logo
    • Online shop Logo
    Total monthly spending of this card 0 KRW ~ 500,000 KRW ~ 1,000,000 KRW ~
    Reward rate No reward 0.7% 1.05%

    Notice

    - For more information about the reward programme, please refer to: 엠포인트.
    - 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.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

  • ALL   0.5~0.75 % M Point(엠포인트) rewards on All other purchases
    Total monthly spending of this card 0 KRW ~ 500,000 KRW ~ 1,000,000 KRW ~
    Reward rate No reward 0.5% 0.75%

    Notice

    - For more information about the reward programme, please refer to: 엠포인트.
    - 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), Tax payment(세금납부액), Installment purchases without interest(무이자할부 구매), College titution fee(대학등록금), Gas bill(도시가스 요금)
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

  • COFFEE   500 KRW Cash back at Starbucks, The Coffee Bean & The Leaf, TOM N TOMS Coffee, Angel-in-us, A Twosome Place
    • Starbucks Logo
    • The Coffee Bean & The Leaf Logo
    • TOM N TOMS Coffee Logo
    • Angel-in-us Logo
    • A Twosome Place 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.
    - 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 500,000 KRW in total or more spendings of this card in the month of the purchase.
    - This benefit will be provided 30 times a year.

  • CINEMA   3000~6000 KRW Cash back at CGV, Megabox
    • CGV Logo
    Amount of each spending 3,001 KRW ~ 10,001 KRW ~
    Cash back amount 3,000 KRW 6,000 KRW

    Notice

    - Cash back will be given only if you spend 3,001 KRW or more at once.
    - 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.
    - 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 500,000 KRW in total or more spendings of this card in the month of the purchase.
    - This benefit will be provided only once a month, 6 times a year.

  • SHOPPING   10 % Cash back at Lotte Outlets, Premium Outlets
    Lotte Outlets branches : 파주점, 김해점, 이천점, 광명점, 동부산점

    Premium Outlets branches : 여주점, 파주점, 부산점
    Total monthly spending of this card 0 KRW ~ 500,000 KRW ~
    Monthly Cash back limit No cash back 10,000

    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.
    - 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 500,000 KRW in total or more spendings of this card in the month of the purchase.
    - This benefit will be provided only once a month, only twice a year.

  • FAST FASHION   10 % Cash back at UNIQLO, ZARA, H&M
    Total monthly spending of this card 0 KRW ~ 500,000 KRW ~
    Monthly Cash back limit No cash back 10,000

    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.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.
    - This benefit will be provided only once a month, only twice a year.

  • TRANSPORT   1.5 % M Point(엠포인트) rewards on new Hyundai, KIA car purchase

    Notice

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

  • PETROL   60 /L M Point(엠포인트) rewards at GS Caltex
    • GS Caltex Logo

    Notice

    - For more information about the reward programme, please refer to: 엠포인트.
    - 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 Points. 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 Points 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 reward.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

  • TRANSPORT   2 % M Point(엠포인트) rewards at hi Pass

    Notice

    - For more information about the reward programme, please refer to: 엠포인트.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

  • AIRPORT   Free airport lounge access (UnionPay card)

    - 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)
    - 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 : 2 times a year.
    - Only the card holder can access without charge. You may need to pay if you have companions.

  • AIRPORT   Free airport lounge access (MasterCard)

    - You can access into airport lounges with free of charge. You don't need any extra card for free entry.
    - Available lounges : SKY Hub Lounge - ICN(인천 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 : 2 times a year.
    - Only the card holder can access without charge. You may need to pay if you have companions.

  • AIRPORT   Free airport lounge access (VISA card)

    - 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)
    - 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 : 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)
40,000 KRW1% + 0.18%
35,000 KRWN/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.
  • 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
현대카드
Affiliated institution
신협
To apply, you must have an account in one of these institutions
신협
Available networks
VISA, Local
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
Protection from unauthorised transactions
Yes
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