Card Design
L.pay 신한카드 체크
L.pay Shinhan Card Check

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   0.1 % L.Point(엘포인트) rewards on All purchases

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - Exceptions(No reward for the following purchases) : All purchases made with other cards, Debit transaction through the bank network(은행공동망 이용 직불거래), 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), Gift or Prepaid card(기프트 또는 선불카드), Gift certificate(상품권), Local tax(지방세), National tax(국세), Employment insurance(고용보험), National Health Insurance Service(국민건강보험), National Pension Service(국민연금), Workers'Compensation Insurance(산재보험), School fee payment(초중고 학교 납입금), Apartment maintenance fee(아파트관리비), Gas bill(도시가스 요금), Electricity bill(전기요금)
    - This won't be counted towards the total reward limit.

  • TRANSPORT   0.5 % L.Point(엘포인트) rewards at Public transport, Taxi

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - "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 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • SHOPPING   0.5 % L.Point(엘포인트) rewards in Eligible L.Point member shops
    Eligible shops : LotteON, Lotte Dept Store, Lotte Mart, Lotte Super, Lotte VIC Market, Lotte Home Shopping, Lotte Cinema, Lotte Hotels & Resorts, Lotte Duty Free Shop, LOHB's, Seven Eleven
    • Lotte Dept Store Logo
    • Lotte Mart Logo
    • Lotte Cinema Logo
    • LOHB's Logo
    • Seven Eleven Logo

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.

  • SHOPPING   1 % L.Point(엘포인트) rewards in Eligible L.Point member shops (Offline L.Pay uses)
    Eligible shops : LotteON, Lotte Dept Store, Lotte Mart, Lotte Super, Lotte VIC Market, Lotte Home Shopping, Lotte Cinema, Lotte Hotels & Resorts, Lotte Duty Free Shop, LOHB's, Seven Eleven
    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 700,000 KRW ~ 1,000,000 KRW ~
    Maximum number of point rewards No cash back 3 times a month 6 times a month 9 times a month
    • Lotte Dept Store Logo
    • Lotte Mart Logo
    • Lotte Cinema Logo
    • LOHB's Logo
    • Seven Eleven Logo

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - You must use one of the following Digital wallet services with this card : L.Pay(L페이). You may need a smartphone with a carrier network plan.

  • SHOPPING   3 % L.Point(엘포인트) rewards in Eligible L.Point member shops (Online L.Pay uses)
    Eligible shops : LotteON, Lotte Dept Store, Lotte Mart, Lotte Super, Lotte VIC Market, Lotte Home Shopping, Lotte Cinema, Lotte Hotels & Resorts, Lotte Duty Free Shop, LOHB's, Seven Eleven
    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 700,000 KRW ~ 1,000,000 KRW ~
    Maximum number of point rewards No cash back 3 times a month 6 times a month 9 times a month
    • Lotte Dept Store Logo
    • Lotte Cinema Logo
    • LOHB's Logo
    • Seven Eleven Logo

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided 3 times a month.
    - You must use one of the following Digital wallet services with this card : L.Pay(L페이). You may need a smartphone with a carrier network plan.

Networks Annual fee Foreign transaction fee (Purchase)
No annual fee1% + 0.2%
No annual feeN/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.
  • The following purchases will not be counted towards into required monthly spending amount :
    Gift or Prepaid card(기프트 또는 선불카드), Local tax(지방세), National tax(국세), Employment insurance(고용보험), National Health Insurance Service(국민건강보험), National Pension Service(국민연금), Workers'Compensation Insurance(산재보험), School fee payment(초중고 학교 납입금), Gift certificate(상품권), Debit transaction through the bank network(은행공동망 이용 직불거래), 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)
  • 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.
  • According to the policy of the Financial Supervisory Service(금융감독원), those benefits won't be changed within 3 years since its release date, unless the service provider goes bankrupt, closes permanently or faces a huge financial trouble. Release date : 13th Jul 2020
  • 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
Check card
Issued by
신한카드
To apply, you must have an account in one of these institutions
신한은행
Available networks
VISA, Local
Availability for new members
Available
Supplementary card for your family member(가족카드)
Unavailable
Integrated transport card
Optional (Deferred payment)
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