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 5~10 % NH Point(NH포인트) rewards in Eligible shops

Department stores : Lotte Dept Store, Shinsegae Dept Store, Hyundai Dept Store, Galleria Dept Store, AK Plaza
Hypermarkets : E-Mart, Homeplus, Lotte Mart, Nonghyup shops(Hanaro mart, Hanaro club and etc)
Online shops : GMarket, Auction, Nonghyup A Market
Bakeries : Paris Baguette, Paris Croissant, Tous les jours, Kim Youngmo Pâtisserie
Coffee shops : Starbucks, TOM N TOMS Coffee, The Coffee Bean & The Leaf

Total last month spending of this card	0 KRW ~	100,000 KRW ~	600,000 KRW ~
Reward rate	No reward	5%	10%

Total last month spending of this card	0 KRW ~	100,000 KRW ~	300,000 KRW ~	600,000 KRW ~	900,000 KRW ~	1,500,000 KRW ~
Monthly Reward limit	No reward	3,000	10,000	20,000	30,000	50,000

Notice

- For more information about the reward programme, please refer to: NH포인트.
- Exceptions(No reward for the following purchases) : NH-OIL(NH-OIL)
- 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 100,000 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.

MOBILE 5 % NH Point(NH포인트) rewards on Mobile phone bills

Total last month spending of this card	0 KRW ~	100,000 KRW ~
Monthly Reward limit	No reward	2,000

Notice

- For more information about the reward programme, please refer to: NH포인트.
- 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.
- [Spending requirement] This benefit requires 100,000 KRW in total or more spendings of this card in the month before the purchase.

TRANSPORT 5 % NH Point(NH포인트) rewards at Public transport

Total last month spending of this card	0 KRW ~	100,000 KRW ~
Monthly Reward limit	No reward	3,000

Notice

- For more information about the reward programme, please refer to: NH포인트.
- "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 100,000 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.

Networks	Annual fee	Foreign transaction fee (Purchase)
	8,000 KRW	1% + 0.25%
	8,000 KRW	1.1% + 0.25%
	6,000 KRW	N/A

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 :
Lotte Dept Store(롯데백화점), Shinsegae Dept Store(신세계백화점), Hyundai Dept Store(현대백화점), Galleria Dept Store(갤러리아 백화점), AK Plaza(AK플라자), E-Mart(이마트), Homeplus(홈플러스), Lotte Mart(롯데마트), Nonghyup shops(농협판매장), GMarket(G마켓), Auction(옥션), Nonghyup A Market(농협a마켓), Paris baguette(파리바게뜨), Paris Croissant(파리크라상), Tous les jours(뚜레쥬르), Kim Youngmo Pâtisserie(김영모과자점), Starbucks(스타벅스), TOM N TOMS Coffee(탐앤탐스), The Coffee Bean & The Leaf(커피빈), Public transport(Bus, Subway)(대중교통(버스,지하철)), 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
Available networks: MasterCard, VISA, Local
Availability for new members: Available
Integrated transport card: Optional (Deferred payment)
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