Korea Korea 
- You must spend 2,000,000 KRW or more in purchases with your new card to get the sign up bonuses within the first 60 days.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 3% | 4.5% | 6% |
- 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.
- Gift card, voucher purchases may not qualify 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.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 2% | 3% | 4% |
- For more information about the reward programme, please refer to: 엠포인트.
- "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 500,000 KRW in total or more spendings of this card in the month of the purchase.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 2% | 3% | 4% |
- 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.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 1% | 1.5% | 2% |
- 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.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 0.7% | 1.05% | 1.4% |
- For more information about the reward programme, please refer to: 엠포인트.
- 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 500,000 KRW in total or more spendings of this card in the month of the purchase.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 0.7% | 1.05% | 1.4% |
- 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.
| Total monthly spending of this card | 0 KRW ~ | 500,000 KRW ~ | 1,000,000 KRW ~ | 2,000,000 KRW ~ |
|---|---|---|---|---|
| Reward rate | No reward | 0.5% | 0.75% | 1% |
- 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), Public utility charges(공공요금/공과금), Fine(벌금, 범칙금, 과료, 과태료), Water charge(수도요금), Electricity bill(전기요금), Gas bill(도시가스 요금), Apartment maintenance fee(아파트관리비), School fee payment(초중고 학교 납입금), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), National Health Insurance Service(국민건강보험), National Pension Service(국민연금), Employment insurance(고용보험), Handicapped employment levy(장애인고용부담금), Workers'Compensation Insurance(산재보험), Express Way bill(고속도로 통행료), Express Bus(고속버스), Installment purchases without interest(무이자할부 구매)
- [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.
- For more information about the reward programme, please refer to: 엠포인트.
- 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 2,480 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 1,680 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.
- 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 500,000 KRW in total or more spendings of this card in the month before the purchase.
- This benefit will be provided only once a month, 12 times a year.
- Some purchases may not be eligible for this benefit. Ask staff of the shops or the issuer for more detail.
| Networks | Annual fee | Foreign transaction fee (Purchase) |
|---|---|---|
 | 90,000 KRW | 1.1% + 0.18% |
 | 90,000 KRW | 1% + 0.18% |
 | 90,000 KRW | N/A |