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.
You can choose 1 option among the benefits marked with "(Option)".

MOBILE (Option 1) 100 % Cash back (Up to 13000~30000 KRW) on LG U+ mobile phone, internet bills (24 months)

Up to 13000~30000 KRW cash back for the first 24 months , and then up to 6000 KRW cash back.

Total last month spending of this card	0 KRW ~	500,000 KRW ~	1,000,000 KRW ~
Monthly Cash back limit	No cash back	13,000	30,000

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 500,000 KRW in total or more spendings of this card in the month before the purchase.

TRANSPORT (Option 2) 2~3 % M Point(엠포인트) rewards in Eligible shops(Transport, bake, culture)

'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.

Eligible shops : Public transport, Taxi, All cinemas, Concert ticket purchases, All bookshops, All bakeries, All coffee shops, PizzaHut, VIPS

Total monthly spending of this card	0 KRW ~	500,000 KRW ~	1,000,000 KRW ~
Reward rate	No reward	2%	3%

Notice

- 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.

BEAUTY (Option 2) 1~1.5 % M Point(엠포인트) rewards in All convenience stores, Insurances, Cosmetic shops, All barber's

'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.

Total monthly spending of this card	0 KRW ~	500,000 KRW ~	1,000,000 KRW ~
Reward rate	No reward	1%	1.5%

Notice

- For more information about the reward programme, please refer to: 엠포인트.
- If you want to pay your insurance with this card, You must contact your insurance company and assure if they accept credit / check cards from 현대카드 first.
- [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

RESTAURANT (Option 2) 0.7~1.05 % M Point(엠포인트) rewards in All restaurants, All online shops, Mobile phone bills, All clothing shops, All miscellaneous shops

'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.

Total monthly spending of this card	0 KRW ~	500,000 KRW ~	1,000,000 KRW ~
Reward rate	No reward	0.7%	1.05%

Notice

- 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.

ALL (Option 2) 0.5~0.75 % M Point(엠포인트) rewards on All other purchases

'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.

Total monthly spending of this card	0 KRW ~	500,000 KRW ~	1,000,000 KRW ~
Reward rate	No reward	0.5%	0.75%

Notice

- 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), Installment purchases without interest(무이자할부 구매), College titution fee(대학등록금), Gas bill(도시가스 요금)
- [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.

TRANSPORT (Option 2) 1.5 % M Point(엠포인트) rewards on new Hyundai, KIA car purchase
'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.

Notice

- For more information about the reward programme, please refer to: 엠포인트.
PETROL (Option 2) 60 /L M Point(엠포인트) rewards at GS Caltex
'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.
Notice

- 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 1,860 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 1,260 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.
- [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month of the purchase.
TRANSPORT (Option 2) 2 % M Point(엠포인트) rewards at hi Pass
'''Caution''' : M Point rewards won't be given if you get cash back benefit on your LG U+ mobile internet bills.

Notice

- 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.

Networks	Annual fee	Foreign transaction fee (Purchase)
	30,000 KRW	1.1% + 0.18%
	30,000 KRW	1% + 0.18%
	30,000 KRW	N/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.
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: 현대카드
Available networks: VISA, MasterCard, Local
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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