Card Design
레일포인트 KB국민카드
Rail Point KB Kookmin 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.
  • TRANSPORT   10~20 % Rail+ Point(레일+ 포인트) rewards on Korail ticket purchases

    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 600,000 KRW ~ 1,000,000 KRW ~
    Reward rate No reward 10% 15% 20%
    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 600,000 KRW ~ 1,000,000 KRW ~
    Monthly Reward limit No reward 15,000 20,000 30,000

    Notice

    - For more information about the reward programme, please refer to: 레일+ 포인트.
    - [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.

  • SHOPPING   30 % Cash back in Korail retail shops and travel facilities

    Total last month spending of this card 0 KRW ~ 300,000 KRW ~ 600,000 KRW ~ 1,000,000 KRW ~
    Monthly Cash back limit No cash back 3,000 5,000 10,000

    Notice

    - 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 300,000 KRW in total or more spendings of this card in the month before the purchase.
    - The cash back rewarded spendings will be excluded from the required monthly spending.

  • TRANSPORT   10 % Cash back at Public transport

    Total last month spending of this card 0 KRW ~ 300,000 KRW ~
    Monthly Cash back limit No cash back 5,000

    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.
    - "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.
    - The spendings will be excluded from the required monthly spending.

  • COFFEE   10 % Cash back in All coffee shops

    Total last month spending of this card 0 KRW ~ 300,000 KRW ~
    Monthly Cash back limit No cash back 5,000
    • Coffee shop Logo

    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.
    - 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.
    - Gift card, voucher purchases may not qualify 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.
    - The cash back rewarded spendings will be excluded from the required monthly spending.

Networks Annual fee Foreign transaction fee (Purchase)
19,000 KRW1% + 0.25%
19,000 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 , Tax payment(세금납부액), Public utility charges(공공요금/공과금), Apartment maintenance fee(아파트관리비), School fee payment(초중고 학교 납입금), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), Public transport(Bus, Subway)(대중교통(버스,지하철)), Vending machines(자판기), In-flight purchases(기내물품구매), 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
Available networks
MasterCard, JCB(K-World)
Availability for new members
Available
Integrated transport card
Essential (Deferred payment)
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