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 % Cash back in Eligible domestic shops and All overseas purchases

Eligible domestic shops : All dept stores, All hypermarkets, Home appliances shops, All duty free shops, Local supermarkets, All convenience stores, Nonghyup shops, Home shoppings, All online shops.

Total last month spending of this card	0 KRW ~	200,000 KRW ~	500,000 KRW ~
Monthly Cash back limit	No cash back	3,000	7,000

Notice

- Cash back will be given only if you spend 30,000 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 200,000 KRW in total or more spendings of this card in the month before the purchase.
- Only 50% of the cash back rewarded spendings will be included as the required monthly spending.

Required spending amount	0 KRW ~	200,000 KRW ~	500,000 KRW ~
Total Reward limit	0	3,000	7,000

Networks	Annual fee	Foreign transaction fee (Purchase)
	No annual fee	1% + $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.
The following purchases will not be counted towards into required monthly spending amount :
50% of rewarded purchases in Department store(백화점 업종), Hypermarket(대형마트 업종), Home appliances shop(가전제품매장), Duty free shop(면세점 업종), Local grocery(영세 중소슈퍼), Convenience store(편의점 업종), Nonghyup shops(농협판매장), Online shop(온라인/전자상거래 업종), All overseas purchases(해외이용금액), Home shopping(홈쇼핑 업종), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), College titution fee(대학등록금), National tax(국세), Local tax(지방세), Korea Post Office(우체국), 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.
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: NH농협은행
To apply, you must have an account in one of these institutions: NH농협은행, 농협(농축협조합)
Available networks: MasterCard
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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