Card Design
KB국민 만능ISA카드
KB Kookmin ISA Card

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.
  • ALL   0.7 % Pointree(포인트리) rewards on All domestic purchases
    1.2% rewards on weekend / holiday purchases.

    Notice

    - For more information about the reward programme, please refer to: 포인트리.
    - 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), Local tax(지방세), Apartment maintenance fee(아파트관리비), Use of the govt subsidy(정부지원금 사용), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드)
    - This benefit will be duplicated with other benefits.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • RESTAURANT   0.8 % Pointree(포인트리) rewards in All restaurants (Additional rewards)
    You must have a valid '만능 ISA' account in KB Bank to earn the additional rewards.
    • Restaurant Logo

    Notice

    - For more information about the reward programme, please refer to: 포인트리.
    - 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.
    - Up to 200,000 KRW of monthly spending for this shop will be applied for the reward. (Maximum reward amount for monthly spending : 1,600)
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - The rewarded spendings will be excluded from the required monthly spending.

  • MART   0.8 % Pointree(포인트리) rewards at E-Mart, Lotte Mart, Homeplus (Additional rewards)
    You must have a valid '만능 ISA' account in KB Bank to earn the additional rewards.
    • E-Mart Logo
    • Lotte Mart Logo
    • Homeplus Logo

    Notice

    - For more information about the reward programme, please refer to: 포인트리.
    - Gift card, voucher purchases may not qualify for earning rewards.
    - Purchases made in leased departments inside the shop may not qualify for earning rewards.
    - Up to 200,000 KRW of monthly spending for this shop will be applied for the reward. (Maximum reward amount for monthly spending : 1,600)
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - The rewarded spendings will be excluded from the required monthly spending.

  • PETROL   0.8 % Pointree(포인트리) rewards at SK Petrol Station (Additional rewards)
    You must have a valid '만능 ISA' account in KB Bank to earn the additional rewards.
    • SK Petrol Station Logo

    Notice

    - For more information about the reward programme, please refer to: 포인트리.
    - Recharging LPG is not eligible for this benefit.
    - Up to 200,000 KRW of monthly spending for this shop will be applied for the reward. (Maximum reward amount for monthly spending : 1,600)
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - The rewarded spendings will be excluded from the required monthly spending.

  • MOBILE   0.8 % Pointree(포인트리) rewards on Mobile phone bills(SKT, kt, U+) (Additional rewards)
    You must have a valid '만능 ISA' account in KB Bank to earn the additional rewards.

    Notice

    - For more information about the reward programme, please refer to: 포인트리.
    - 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.
    - Up to 200,000 KRW of monthly spending for this shop will be applied for the reward. (Maximum reward amount for monthly spending : 1,600)
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - The rewarded spendings will be excluded from the required monthly spending.

  • TRANSPORT   0.8 % Pointree(포인트리) rewards on Public transport uses (Additional rewards)
    You must have a valid '만능 ISA' account in KB Bank to earn the additional rewards.

    Notice

    - For more information about the reward programme, please refer to: 포인트리.
    - "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.
    - Up to 200,000 KRW of monthly spending for this shop will be applied for the reward. (Maximum reward amount for monthly spending : 1,600)
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - The spendings will be excluded from the required monthly spending.

  • CINEMA   3500 KRW Discount at Max Movie

    Notice

    - 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.
    - [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.

  • ENTERTAINMENT   50 % Discount on Lotte World Universal Pass purchase

    Notice

    - Some purchases may not be eligible for this benefit. Ask staff of the shops or the issuer for more detail.
    - [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 day, only twice a month, 5 times a year.

  • ENTERTAINMENT   50 % Discount on Everland festival world ticket purchase

    Notice

    - Some purchases may not be eligible for this benefit. Ask staff of the shops or the issuer for more detail.
    - [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 day, 10 times a year.

  • ENTERTAINMENT   30 % Discount at Caribbean Bay

    Notice

    - Some purchases may not be eligible for this benefit. Ask staff of the shops or the issuer for more detail.
    - [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 day.

  • OVERSEAS   2 % Cash back on All overseas purchases

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

    Notice

    - The cash back money will be deposited into your bank account. The money will be given on a day in the second week, next calendar month.
    - [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

Networks Annual fee Foreign transaction fee (Purchase)
15,000 KRW1% + 0.25%
15,000 KRW0.5% + 0.25%
  • 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 made with this card (Except All domestic purchases(국내 이용금액), All overseas purchases(해외이용금액)), Tax payment(세금납부액), Public utility charges(공공요금/공과금), Apartment maintenance fee(아파트관리비), Use of the govt subsidy(정부지원금 사용), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Express Way bill(고속도로 통행료), Vending machines(자판기), 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
KB국민카드
To apply, you must have an account in one of these institutions
KB국민은행
Available networks
MasterCard, JCB(K-World)
Availability for new members
Available
Integrated transport card
Essential (Deferred payment)
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