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.

ONLINE 5000 KRW Cash back in Eligible online shops

Eligible shops : 11st, GMarket, Auction, Coupang, Ticket Monster, Wemakeprice, Lotte Duty Free Shop (Online), The Shilla Duty Free (Online), Shinsegae Duty Free (Online), ellotte, Shinsegae Mall, Galleria Mall (Online), Olive Young(Online), Lalavla(Online), LOHB's(Online), YES24, Kyobo Book Centre, Aladin, 배달의 민족, 배민찬, theBanchan

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	5,000	10,000	15,000

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.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.

ONLINE 5000 KRW Cash back in Eligible digital wallet uses for all other online shops, All online shops

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	5,000	10,000	15,000

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.
- "All online purchases(shops)" mean all purchases made through a payment gateway or digital wallet service. Almost domestic online shops are applicable. However, some online purchases like tax payment, express bus ticket or train ticket purchase will not be recognised as an online purchase.
- [Spending requirement] This benefit requires 300,000 KRW in total or more spendings of this card in the month before the purchase.
- It shares the limit with 'Online' (Eligible online shops) benefit of this card.
- You must use one of the following Digital wallet services with this card : Naver Pay(네이버페이), Kakao Pay(카카오페이), PAYCO(페이코). You may need a smartphone with a carrier network plan.

OVERSEAS 5 % Cash back on All overseas purchases

You must spend 10 USD or more to get this benefit each.

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	5,000	10,000	15,000

Notice

- Cash back will be given only if you spend 10,000 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.
- Up to 100,000 KRW of each spending for this shop will be applied for the cash back reward. (Maximum reward amount for each spending : 5,000)
- [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 2000 KRW Cash back on Starbucks Siren orders

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	5,000	10,000	15,000

Notice

- Cash back will be given only if you spend 4,000 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.
- 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.

MOBILE 5 % Cash back on Public transport, Taxi, Mobile phone bills(SKT, kt, U+)

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	5,000	10,000	15,000

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.
- A "Mobile (Internet) bill" means any recurring bill charged by a mobile carrier or internet service provider. You won't be able to get this benefit for purchasing a mobile phone, manual bill payment or recharging a prepaid SIM.
- "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.
- It shares the limit with 'Coffee' (Starbucks Siren orders) benefit of this card.

Networks	Annual fee	Foreign transaction fee (Purchase)
	10,000 KRW	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 overseas purchases(해외이용금액), Public utility charges(공공요금/공과금), National tax(국세), Local tax(지방세), Gas bill(도시가스 요금), National Health Insurance Service(국민건강보험), Workers'Compensation Insurance(산재보험), Employment insurance(고용보험), National Pension Service(국민연금), Apartment maintenance fee(아파트관리비), College titution fee(대학등록금), Gift or Prepaid card(기프트 또는 선불카드), Mobile phone bills(이동통신요금), School fee payment(초중고 학교 납입금), 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: IBK기업은행, 비씨카드
Available networks: BC Global(Discover)
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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