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.

O2O 20~40 % Cash back on All digital wallet purchases

Total last month spending of this card	0 KRW ~	400,000 KRW ~	800,000 KRW ~
Cash back rate	No cash back	20%	40%

Total last month spending of this card	0 KRW ~	400,000 KRW ~	800,000 KRW ~
Monthly Cash back limit	No cash back	7,000	15,000

Notice

- Exceptions(No reward for the following purchases) : All purchases made with other cards, Cash Advance(단기카드대출 이용금액), Card Loan(장기카드대출 이용금액), 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)
- 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.
- This benefit will be duplicated with other benefits.
- [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.
- You must use one of the following Digital wallet services with this card : SK Pay(SK페이), SSG Pay(SSG페이), Samsung Pay(삼성페이), Paynow(페이나우), PAYCO(페이코), Naver Pay(네이버페이), L.Pay(L페이), LG Pay(LG페이), K PAY(K페이), KBPay(KB페이), Kakao Pay(카카오페이). You may need a smartphone with a carrier network plan.

TRANSPORT 10 % Cash back at Public transport

C-STORE 10 % Cash back at GS25, CU

Networks	Annual fee	Foreign transaction fee (Purchase)
	20,000 KRW	0.5% + 0.25%
	20,000 KRW	1% + 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 SK Pay(SK페이), SSG Pay(SSG페이), Samsung Pay(삼성페이), Paynow(페이나우), PAYCO(페이코), Naver Pay(네이버페이), L.Pay(L페이), LG Pay(LG페이), K PAY(K페이), KBPay(KB페이), Kakao Pay(카카오페이) purchases, All rewarded purchases made with this card , Tax payment(세금납부액), Public utility charges(공공요금/공과금), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), 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: JCB(K-World), MasterCard
Availability for new members: Available
Integrated transport card: Essential (Deferred payment)
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