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)".

BILLS (Option 1) 5000~15000 KRW Cash back on House rent

Total last month spending of this card	0 KRW ~	400,000 KRW ~	800,000 KRW ~	1,200,000 KRW ~
Cash back amount	No cash back	5,000 KRW	10,000 KRW	15,000 KRW

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.
- [Spending requirement] This benefit requires 400,000 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.
- This benefit will be provided only once a month.

BILLS (Option 2) 100 % Cash back (Up to 5000~15000 KRW) on Eligible mobile, internet bills, security service subscriptions

Eligible shops : SK Telecom, KT, LG U+, CJ Hello Mobile, SK broadband, ADT CAPS, KT Telecop, S-1

Total last month spending of this card	0 KRW ~	400,000 KRW ~	800,000 KRW ~	1,200,000 KRW ~
Monthly Cash back limit	No cash back	5,000	10,000	15,000

Notice

BILLS 5000 KRW Cash back on Apartment maintenance fee
Up to 3,000 KRW Cash back if your card is not linked to a Shinhan Bank account.

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.
- [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.
EDUCATION 1 % Cash back in All hagwons and educational subscriptions

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.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
MEDICAL 1 % Cash back at All hospitals, pharmacies
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.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
MART 1 % Cash back at E-Mart, Homeplus, Lotte Mart
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.
- 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.

Networks	Annual fee	Foreign transaction fee (Purchase)
	15,000 KRW	1.1% + 0.18%
	12,000 KRW	1.4% + 0.18%

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 in Property/House rent(부동산/주택임대료), SK Telecom(SK텔레콤), KT(KT), LG U+(LG유플러스), CJ Hello Mobile(CJ헬로모바일), SK broadband(SK브로드밴드), ADT CAPS(ADT 캡스), KT Telecop(KT 텔레캅), S-1(에스원), Gift or Prepaid card(기프트 또는 선불카드), Local tax(지방세), National tax(국세), Gas bill(도시가스 요금), Electricity bill(전기요금), National Pension Service(국민연금), National Health Insurance Service(국민건강보험), Employment insurance(고용보험), Workers'Compensation Insurance(산재보험), Installment purchases without interest(무이자할부 구매), 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.
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 : 20th Mar 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: Credit card (Charge card)
Issued by: 신한카드
Available networks: VISA, AmericanExpress(S&)
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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