Card Design
톡톡 with카드
Toktok with card

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.
  • COFFEE   50 % Cash back at Starbucks

    Total last month spending of this card 0 KRW ~ 400,000 KRW ~
    Monthly Cash back limit No cash back 10,000
    • Starbucks Logo

    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.
    - 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 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.

  • ONLINE   20 % Cash back at Youtube, Netflix, wavve, TVING

    Total last month spending of this card 0 KRW ~ 400,000 KRW ~
    Monthly Cash back limit No cash back 3,000
    • Youtube Logo
    • Netflix Logo

    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.

  • ONLINE   10 % Cash back in All online shops (with e-wallet)

    Total last month spending of this card 0 KRW ~ 400,000 KRW ~
    Monthly Cash back limit No cash back 30,000
    • Online shop Logo

    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.
    - "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 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 : KBPay(KB페이), Samsung Pay(삼성페이), LG Pay(LG페이), Kakao Pay(카카오페이), Naver Pay(네이버페이), PAYCO(페이코), coupay(쿠페이), SmilePay(스마일페이), SSG Pay(SSG페이), L.Pay(L페이). You may need a smartphone with a carrier network plan.

  • RESTAURANT   5 % Cash back at Baemin, Yogiyo

    Total last month spending of this card 0 KRW ~ 400,000 KRW ~
    Monthly Cash back limit No cash back 5,000
    • Yogiyo Logo

    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.
    - 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.
    - [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.

  • TRANSPORT   5 % Cash back at Use on public transport

    Total last month spending of this card 0 KRW ~ 400,000 KRW ~
    Monthly Cash back limit No cash back 3,000

    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.
    - "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 400,000 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)
12,000 KRW1.1% + 0.25%
12,000 KRW0.5% + 0.25%
12,000 KRWN/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 :
    All rewarded purchases made with this card , National tax(국세), Local tax(지방세), Electricity bill(전기요금), Water charge(수도요금), Apartment maintenance fee(아파트관리비), Use of the govt subsidy(정부지원금 사용), School fee payment(초중고 학교 납입금), College titution fee(대학등록금), Employment insurance(고용보험), National Health Insurance Service(국민건강보험), National Pension Service(국민연금), Workers'Compensation Insurance(산재보험), 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.
  • 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 : 30th Dec 2020
  • 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
VISA, UnionPay(K-World), Local
Availability for new members
Available
Integrated transport card
Essential (Deferred payment)
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