Card Design
NH농협 엘포인트카드
NH L.Point 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.
  • SHOPPING   3 % L.Point(엘포인트) rewards in Eligible L.Point shops
    Eligible shops(Online & Offline) : Lotte Dept Store, Lotte Mart, Lotte Super, Lotte VIC Market, Lotte Premium Outlets, Lotte Outlets, Lotte.com, Lotte Home Shopping, Hi-Mart, Lotte Duty Free Shop
    Total last month spending of this card 0 KRW ~ 500,000 KRW ~ 1,000,000 KRW ~ 1,500,000 KRW ~
    Monthly Reward limit No reward 10,000 20,000 30,000
    • Lotte Dept Store Logo
    • Lotte Mart Logo
    • Lotte Mart MAXX Logo

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - Reward will be given only if you spend 20,000 KRW or more at once.
    - Gift card, voucher purchases may not qualify for earning rewards.
    - Purchases made in leased departments inside the shop 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.

  • RESTAURANT   1 % L.Point(엘포인트) rewards in Eligible cinemas, dining, c-stores, petrol stations
    Eligible cinemas : Lotte Cinema, CGV, Megabox
    Eligible coffee shops and restaurants : Angel-in-us, Starbucks, The Coffee Bean & The Leaf, Lotteria, TGI FRIDAYS, Outback Steak House
    Eligible C-Stores : Seven Eleven, GS25, LOHB's
    Eligible petrol and LPG stations :S-Oil, Nonghyup Petrol station
    Total last month spending of this card 0 KRW ~ 500,000 KRW ~
    Monthly Reward limit No reward 10,000
    • Lotte Cinema Logo
    • CGV Logo
    • Angel-in-us Logo
    • Starbucks Logo
    • The Coffee Bean & The Leaf Logo
    • Lotteria Logo
    • TGI FRIDAYS Logo
    • Outback Steak House Logo
    • Seven Eleven Logo
    • GS25 Logo
    • LOHB's Logo
    • S-Oil Logo
    • S-Oil(LPG) Logo

    Notice

    - For more information about the reward programme, please refer to: 엘포인트.
    - Reward will be given only if you spend 10,000 KRW or more at once.
    - 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 before the purchase.

  • MART   3 % Cash back at Nonghyup Hanaro Mart, Nonghyup Hanaro Club

    Total last month spending of this card 0 KRW ~ 500,000 KRW ~
    Monthly Cash back limit No cash back 10,000
    • Nonghyup Hanaro Mart Logo
    • Nonghyup Hanaro Club Logo

    Notice

    - Cash back will be given only if you spend 20,000 KRW or more at once.
    - 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.
    - Gift card, voucher purchases may not qualify for earning rewards.
    - Purchases made in leased departments inside the shop 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.

  • ENTERTAINMENT   Eligible amusement park free riding or entry ticket purchases
    Park Benefit
    Everland, E-World, Lotte world, Korean folk village 50% Discount on your free riding ticket
    Seoul Land, Tongdo Fantasia,
    Gyeongju World
    50% Discount on your free riding ticket OR Free entry
    Caribbean Bay, California beach (Gyeongju World) 30% Discount on your entry ticket
    Gwangju Family Land 100% Cash back for 1 person 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 month, 6 times a year.

  • MEMBERSHIP   Integrated membership : L.POINT 멤버십

    - By using this card, you'll get extra rewards in eligible shops listed for the membership.
    - With this membership, you'll earn 0.1~10% L.Point rewards in eligible L.Point member shops.
    - For more detailed information, please refer to : https://www.lpoint.com/
    - You may need to agree with providing your personal information to the third party company.

Networks Annual fee Foreign transaction fee (Purchase)
15,000 KRW0.25%
  • 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 :
    College titution fee(대학등록금), School fee payment(초중고 학교 납입금), Property/House rent(부동산/주택임대료), Tax payment(세금납부액), Public utility charges(공공요금/공과금), Korea Post Office(우체국), National Health Insurance Service(국민건강보험), National Pension Service(국민연금), Employment insurance(고용보험), Workers'Compensation Insurance(산재보험), Apartment maintenance fee(아파트관리비), Gas bill(도시가스 요금), Electricity bill(전기요금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), 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
NH농협은행, 비씨카드
Available networks
UnionPay
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
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Editor's rating
1 / 5.0
★ ★ ★ ★
Woori card's one is much better.
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