Card Design
L.pay 하나 체크카드
L.pay Hana Check 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   2 % L.Point(엘포인트) rewards on All L.pay uses

    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)
    - [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.

  • TRANSPORT   2 % L.Point(엘포인트) rewards on Public transport uses

    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.

  • ALL   0.5 % L.Point(엘포인트) rewards in Eligible Lotte shops
    Eligible shops : Lotte Dept Store, Lotte Outlets, Lotte Mall, Lotte Duty Free Shop, Lotte Mart, ToysRUs, Lotte VIC Market, Hi-Mart, Lotte Super, Lotte Home Shopping, Lotte.com, LOHB's, Seven-Eleven, Lotteria, TGI FRIDAYS, Krispy Kreme Doughnuts, Angel-in-us, Nàtuur, Lotte Cinema, Lotte Hotel, Lotte Resort, Lotte World, Lotte Rent-a-car, Green Car
    • Lotte Dept Store Logo
    • Lotte Mart Logo
    • LOHB's Logo
    • Seven Eleven Logo
    • Lotteria Logo
    • TGI FRIDAYS Logo
    • Krispy Kreme Doughnuts Logo
    • Angel-in-us Logo
    • Lotte Cinema Logo

    Notice

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

  • 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), National tax(국세), Local tax(지방세), Public utility charges(공공요금/공과금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Apartment maintenance fee(아파트관리비), School fee payment(초중고 학교 납입금), College titution fee(대학등록금), Gas bill(도시가스 요금)

Required spending amount 0 KRW ~ 300,000 KRW ~ 500,000 KRW ~
Total Reward limit 10,000 20,000 30,000

Networks Annual fee FX fee (Purchase)
No annual fee$0.5
  • 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.
  • 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 : 24th Sep 2019
  • 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
하나카드, 비씨카드
To apply, you must have an account in one of these institutions
KEB하나은행
Available networks
UnionPay
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
Protection from unauthorised transactions
Yes
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