Card Design
일상의 기쁨카드(신용)

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.
  • MART   5 % Cash back at E-Mart, Homeplus, Lotte Mart
    • E-Mart Logo
    • Homeplus Logo
    • Lotte Mart Logo
    Total last month spending of this card 0 KRW ~ 500,000 KRW ~
    Monthly Cash back limit No cash back 5,000

    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.
    - Gift card, voucher purchases will be disqualified for earning rewards.
    - Some of leased departments inside the shop may not be qualified for earning rewards.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided only once a month.

  • ONLINE   20 % Cash back at Coupang, Ticket Monster, Wemakeprice
    • Coupang Logo
    • TMON Logo
    • Wemakeprice 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.
    - Up to 20,000 KRW of each spending for this shop will be applied for the cash back reward. (Maximum reward amount for each spending : 4,000)
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month before the purchase.

  • C-STORE   10 % Cash back at GS25, CU, Seven Eleven, Olive Young
    • GS25 Logo
    • CU Logo
    • Seven Eleven Logo
    • Olive Young 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.
    - Up to 10,000 KRW of each spending for this shop will be applied for the cash back reward. (Maximum reward amount for each spending : 1,000)
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided only twice a month.

  • PETROL   60 KRW/L Cash back in All pretrol, LPG stations

    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.
    - Your card will never count how much you actually refuelled your car, but will estimate with its spending amount and the standard price from the oil refinery company. For example, If you paid 50,000 KRW in a petrol station offers the price at 1,600 KRW per litre, it will be around 31L and you might think you'll earn 1,860 KRW. However, if the standard price is 1,800 KRW per litre, your card will count as you've got around 21L and it will actually give you 1,260 KRW as reward. You can contact your card company to check the standard price.
    - Up to 100,000 KRW of each spending for this shop will be applied for the cash back reward.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided only twice a month.

  • CINEMA   10000 KRW Cash back at CGV, Lotte Cinema, Megabox
    • CGV Logo
    • Lotte Cinema Logo

    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.
    - Besides eligible shops noted, You may not get the reward for purchase or booking a ticket through a third-party ticket agency.
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided only once a month, 12 times a year.

  • COFFEE   20 % Cash back in Eligible coffee shops
    Eligible shops : Starbucks, The Coffee Bean & The Leaf, Caffe Bene, TOM N TOMS Coffee, Angel-in-us, A Twosome Place, Hollys Coffee, dal.komm COFFEE
    • Starbucks Logo
    • The Coffee Bean & The Leaf Logo
    • TOM N TOMS Coffee Logo
    • Angel-in-us Logo
    • A Twosome Place Logo
    • Hollys Coffee 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 will be disqualified for earning rewards.
    - Up to 20,000 KRW of each spending for this shop will be applied for the cash back reward. (Maximum reward amount for each spending : 4,000)
    - [Spending requirement] This benefit requires 500,000 KRW in total or more spendings of this card in the month before the purchase.
    - This benefit will be provided only twice a month.

  • TRANSPORT   200 KRW Cash back on Public transport uses
    Total last month spending of this card 0 KRW ~ 500,000 KRW ~
    Monthly Cash back limit No cash back 2,000

    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.
    - This won't be counted towards the total cash back limit.
    - [Spending requirement] This benefit requires 500,000 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.

Required spending amount 0 KRW ~ 500,000 KRW ~ 700,000 KRW ~ 1,000,000 KRW ~
Total Reward limit 0 20,000 30,000 40,000

Networks Annual fee FX fee (Purchase)
12,000 KRW1% + 0.18%
10,000 KRW0.18%
  • 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 :
    Public transport(Bus, Subway)(대중교통(버스,지하철)), Tax payment(세금납부액), Employment insurance(고용보험), Workers'Compensation Insurance(산재보험), Public utility charges(공공요금/공과금), Gas bill(도시가스 요금), Apartment maintenance fee(아파트관리비), College titution fee(대학등록금), Gift certificate(상품권), Gift or Prepaid card(기프트 또는 선불카드), 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
Available networks
VISA, UnionPay
Availability for new members
Available
Integrated transport card
Optional (Deferred payment)
Protection from unauthorised transactions
Yes
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