Korea Korea 
- For more information about the reward programme, please refer to: H.Point.
- 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), Installment purchases without interest(무이자할부 구매), Apartment maintenance fee(아파트관리비), Tax payment(세금납부액), Public utility charges(공공요금/공과금), College titution fee(대학등록금), Use of the govt subsidy(정부지원금 사용), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드)
- This won't be counted towards the total reward limit.
- For more information about the reward programme, please refer to: H.Point.
- Gift card, voucher purchases may not qualify for earning rewards.
- Purchases made in leased departments inside the shop may not qualify for earning rewards.
- This won't be counted towards the total reward limit.
- Cash back will be given only if you spend 10,000 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.
- 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.
- The cash back rewarded spendings will be excluded from the required monthly spending.
- Cash back will be given only if you spend 10,000 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.
- 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 300,000 KRW in total or more spendings of this card in the month before the purchase.
- The cash back rewarded spendings will be excluded from the required monthly spending.
- Cash back will be given only if you spend 10,000 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.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
- The cash back rewarded spendings will be excluded from the required monthly spending.
- Some purchases may not be eligible for this benefit. Ask staff of the shops or the issuer for more detail.
- Besides the eligible shops noted, You may not get the reward for purchase or booking a ticket through a third-party ticket agency.
- 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 day, 4 times a month, 10 times a year.
- [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 ~ | 600,000 KRW ~ |
|---|---|---|---|
| Total Reward limit | 0 | 10,000 | 20,000 |
| Networks | Annual fee | Foreign transaction fee (Purchase) |
|---|---|---|
 | 12,000 KRW | 0.5% + 0.25% |