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.

MART 10 % Cash back at Nonghyup Hanaro Club, Nonghyup Hanaro Mart

Total last month spending of this card	0 KRW ~	300,000 KRW ~	600,000 KRW ~	1,000,000 KRW ~
Monthly Cash back limit	No cash back	7,000	10,000	15,000

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 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.
- The cash back rewarded spendings will be excluded from the required monthly spending.

BAKERY 5 % Cash back at Paris baguette, Paris Croissant

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

COFFEE 4000 KRW Cash back at Starbucks, The Coffee Bean & The Leaf
Your card must be linked to your KEB Hana bank account for payment.
Notice

- Cash back will be given only if you spend 4,000 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.
- This benefit will be provided only once a month.

MOBILE 5 % Cash back on Mobile phone, internet bills(SKT, KT, U+, SKB)

Total last month spending of this card	0 KRW ~	600,000 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.
- A "Mobile (Internet) bill" means any recurring bill charged by a mobile carrier or internet service provider. You won't be able to get this benefit for purchasing a mobile phone, manual bill payment or recharging a prepaid SIM.
- [Spending requirement] This benefit requires 600,000 KRW in total or more spendings of this card in the month before the purchase.

EDUCATION 5 % Cash back in Offline hagwons

Total last month spending of this card	0 KRW ~	600,000 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 600,000 KRW in total or more spendings of this card in the month before the purchase.

Networks	Annual fee	Foreign transaction fee (Purchase)
	18,000 KRW	1.1% + 0.2%
	15,000 KRW	1% + 0.2%

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 :
All rewarded purchases in Nonghyup Hanaro Club(농협 하나로클럽), Nonghyup Hanaro Mart(농협 하나로마트), National tax(국세), Local tax(지방세), Public utility charges(공공요금/공과금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), College titution fee(대학등록금), School fee payment(초중고 학교 납입금), Apartment maintenance fee(아파트관리비), Gas bill(도시가스 요금), 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: 하나카드
Available networks: VISA, JCB(OneWay)
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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