Key Benefits

2X Check Card’s Loyalty Program

Loyal Member Status

Continued Duration of Use: Number of consecutive months with minimum W10,000 in transactions per month (first day to last day
of the month). Loyal member status reverts to regular member status if transactions in the previous month do not exceed W10,000.
Continued duration of use is calculated by combining the cardholder’s continued duration of α, β, and γ use.

2 Times the Benefits

Standard Benefits

The longer you use the card - 1 month, 2 month... 5 month, 6 month =>

2 Times the Standard Benefits2 times the discount rate and 2 times the discount limit + Additional Benefits

Receive double the benefits after six months.

• 2 Times the Hana Points

  Using your 2X Check Card for a long time earns you twice the membership points.

• Benefit Swap
  

  • 2Xα - α Card Benefit2 / 2X
  • 2Xβ - β Card Benefit2 + α Card Benefit / 2X
  • 2Xγ - γ Card Benefit2 + β Card Benefit / 2X

  If you’ve had your 2X Check Card for more than a year and want to use a different type of 2X Check Card, you can take a
  benefit from your existing card to your new card.

• Application: Customer Center (1599-1155)
• A 2X γ Card can be switched to a 2X α Card or a 2X β Card, but it will not be possible to carry an existing γ benefit to the new card.

• Guide
  • Read the card’s promotional materials and all the terms and conditions of membership before applying for a card. Additional
    services that come with the card, such as membership points and discounts, will remain unchanged (diminishment or
    cancellation) for minimum one year following the card’s launch. In the event of a unilateral change in affiliate terms and
    conditions or bankruptcy by an additional service affiliate; a natural disaster; a sudden change in the finance market;
    a business crisis affecting the credit card company; or any other similar development, Hana Card is to announce the matter
    on its website without delay and inform its members individually via credit card bill, mail, or email.

    * Individual Notification Methods: Credit card bill, mail, email, or SMS.

  • When converting to a Child Love Card, the government subsidy portion of daycare center payments shall be excluded from the
    previous month’s transactions(membership points, mileages, cash back points, and other services will not be offered).
  • Read all the promotional materials and the terms and conditions of membership carefully before applying for a card.
  • Card Launch Date: 4 February 2013
    No.2013-Advertisement-540 (21 May 2013)

Discount

Discount

• Cafes

  Receive a 10% to 20% discount at Starbucks Coffee, Caffe Bene, Tom N Toms, The Coffee Bean & Tea Leaf, Caffe Pascucci, Coffine Gurunaru, and Cafe Droptop

• Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
  excluding discounted transactions.
• For newly issued cards, standard services are provided from the card’s registration to the end of the following month,
  regardless of the transaction amount in the first month.
• Does not apply to gift certificates, prepaid cards (purchase and top up), supermarkets, Korail, or shops inside highway rest
  stops.
• If a transaction is cancelled, the previous month’s transactions are calculated by deducting the cancelled transaction from the
  transactions in the month in which the cancellation request was received.

• Phone Bills

  Receive 3% to 6% discounts on SKT, KT, and LGU+ phone bills.

• Applies to automatically withdrawn bill payments only.
• Limited to one (first) phone bill payment a month.
• Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
  excluding discounted transactions.
• For newly issued cards, standard services are provided from the card’s registration to the end of the following month,
  regardless of the transaction amount in the first month.
• Does not apply to automatically withdrawn payments for bundle packages that combine multiple services
  (landline, internet, etc.).
• If a transaction is cancelled, the previous month’s transactions are calculated by deducting the cancelled transaction from the
  transactions in the month in which the cancellation request was received.

• Convenience Stores, Shopping, Gas, Movies, and Public Transportation
  • Receive a 3% to 6% discount at 7-Eleven, GS25, and CU.
  • Receive a 3% to 6% discount at Gmarket, 11st, Interpark, Sharp N, CJ Home Shopping, GS Home Shopping,
    NS Home Shopping, and Hyundai Home Shopping.
  • Receive a W30 to W50 discount per liter of gas at GS Caltex (does not apply to LPG).
  • Receive a W2,000 discount when purchasing a CGV ticket online.
  • Receive a 5% discount on subway and metro bus fares.

• Convenience Store Discounts
  • Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
    excluding discounted transactions.
  • For newly issued cards, standard services are provided from the card’s registration to the end of the following month,
    regardless of the transaction amount in the first month.
• Shopping Discounts
  • Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
    excluding discounted transactions.
  • For newly issued cards, standard services are provided from the card’s registration to the end of the following month,
    regardless of the transaction amount in the first month. Discounts at CJ Home Shopping, GS Home Shopping,
    and NS Home Shopping are available on purchases made via telephone only.
• Gas Station Discounts
  • Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
    excluding discounted transactions.
  • Applicable Products: Gasoline and diesel fuel Discount Basis Price: GS Caltex’s posted price Gas discount service is partially
    supported by LINA Korea. The member’s information is offered to LINA Korea for this purpose. For newly issued cards,
    standard services are provided from the card’s registration to the end of the following month, regardless of the transaction
    amount in the first month.
• Movie Theater Discounts
  • Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
    excluding discounted transactions.
  • For newly issued cards, standard services are provided from the card’s registration to the end of the following month,
    regardless of the transaction amount in the first month.
  • Requires minimum W10,000 in transaction value. Limited to once a month, 12 times a year.
• Public Transportation Discounts
  • Participating Merchants: Merchants that are registered as metro bus or subway operators in Hana Card’s system.
  • Applicable Transactions: Postpay transportation transactions.
  • Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
    excluding discounted transactions.
  • This service is available to loyal members under 2X Alpha Check Card’s loyal customer program.
• Total Discount Limit for Loyal Members

• Preferred total discount limits are offered to loyal members
  (6 consecutive months of minimum W10,000 in transactions per month).
• Transactions in Previous Month: Transactions made using the card between the first and last days of the previous month,
  excluding discounted transactions.
• Discounts are not offered to transactions made using Yes Points (including regular members).
• If a transaction is cancelled, the previous month’s transactions are calculated by deducting the cancelled
  transaction from the transactions in the month in which the cancellation request was received.e.g.) A W150,000 transaction
  at a department store on 11 June 2012 → Included as a June transaction. The transaction is cancelled on July 1 and deducted
  from transactions in July.
• New cardholders will enjoy a discount limit based on W250,000 in previous month’s transaction in the month of card registration
  and the following month.
• The discounted amount is deposited on the business day following the concerned transaction
  (normally requires one to three business days).

• Guide
  • Read the card’s promotional materials and all the terms and conditions of membership before applying for a card.
    Additional services that come with the card, such as membership points and discounts, will remain unchanged
    (diminishment or cancellation) for minimum one year following the card’s launch. In the event of a unilateral change in affiliate
    terms and conditions or bankruptcy by an additional service affiliate; a natural disaster; a sudden change in the finance
    market; a business crisis affecting the credit card company; or any other similar development, Hana Card is to announce the
    matter on its website without delay and inform its members individually via credit card bill, mail, or email.

    * Individual Notification Methods: Credit card bill, mail, email, or SMS.

  • When converting to a Child Love Card, the government subsidy portion of daycare center payments shall be excluded from
    the previous month’s transactions (membership points, mileages, cash back points, and other services will not be offered).
  • Read all the promotional materials and the terms and conditions of membership carefully before applying for a card.
  • Card Launch Date: 4 February 2013
  • No.2013-Advertisement-540 (21 May 2013)

Banking Benefits

Banking Benefits

• Standard Services
  • No fee for withdrawing cash at KEB CDs and ATMs or transferring money into a KEB account.
  • Does not apply to money transfers to banks other than KEB.
  • No fee for withdrawing cash at CDs and ATMs operated by a bank other than KEB.
  • Up to 8 exemptions a month.
    Fees may apply when using automated machines located outside banks (at a convenience store, a subway station, etc.).
  • No fee for money transfers to banks other than KEB via online or mobile banking.
  • Note
    • 1. Service will be suspended if an overdue payment exists, the cardholder’s credit turns poor, or the card itself is suspended.
    • 2. Once the source of service suspension has been fully addressed, the service will be restored in three business days.
    • 3. Fee exemption service is offered in the current month if the settlement account linked to the card is a N°N, eduQ, Happinior,
      or Wingo account and the 2X Check Card has been used in the previous month.
  • Fee exemption service is not offered in the month the 2X Check Card is issued (if a new N°N, eduQ, Happinior,
    or Wingo account was opened in conjunction with the card, the service is offered starting in the following month).
• Card Presentation Benefits
  • Receive a 20% discount on remittance fees.
  • Receive a preferred rate (30%) when exchanging cash currency and purchasing traveler’s checks (applies to $ and￥ only).
  • Additional services (investment, tax, and law consultation).
  • LINA Korea: Insurance inquiries (☎ 1588-0058)
• Guide
  • Read the card’s promotional materials and all the terms and conditions of membership before applying for a card. Additional
    services that come with the card, such as membership points and discounts, will remain unchanged
    (diminishment or cancellation) for minimum one year following the card’s launch. In the event of a unilateral change in affiliate
    terms and conditions or bankruptcy by an additional service affiliate; a natural disaster; a sudden change in the finance
    market; a business crisis affecting the credit card company; or any other similar development, Hana Card is to announce
    the matter on its website without delay and inform its members individually via credit card bill, mail, or email.

    * Individual Notification Methods: Credit card bill, mail, email, or SMS.

  • When converting to a Child Love Card, the government subsidy portion of daycare center payments shall be excluded from the
    previous month’s transactions (membership points, mileages, cash back points, and other services will not be offered).
  • Read all the promotional materials and the terms and conditions of membership carefully before applying for a card.
  • Card Launch Date: 4 February 2013
  • No.2013-Advertisement-540 (21 May 2013)

Postpay Transportation Feature

Postpay Transportation Fare Feature

• Eligibility: Individuals who are 18 years old or older and meet Hana Cards' (formerly KEB Hana Card) personal credit card
  member requirements.
• Credit Limit: Up to W100,000 in transactions for payment of transportation fares.
• Transportation fares charged to the card from the beginning of the month to the end are withdrawn from the settlement account
  between the 5th and the 18th of the following month.
• Please note that, starting on 1 July 2015, postpay transportation fares will be withdrawn on the credit card payment date
  designated by the cardholder rather than between the 5th and the 18th of the following month.
• Settlement Date: Usage History > My Page
• Card Use Duration by Settlement Date: Card Guide/Application > Card Use Guide > Domestic Use > Settlement
• Postpay transportation fare purchase date is the product purchase date.
• Guide
  • Read the card’s promotional materials and all the terms and conditions of membership before applying for a card.
  • Additional services that come with the card, such as membership points and discounts, will remain unchanged
    (diminishment or cancellation) for minimum one year following the card’s launch. In the event of a unilateral change in affiliate
    terms and conditions or bankruptcy by an additional service affiliate; a natural disaster; a sudden change in the finance
    market; a business crisis affecting the credit card company; or any other similar development, Hana Card is to announce
    the matter on its website without delay and inform its members individually via credit card bill, mail, or email.

    * Individual Notification Methods: Credit card bill, mail, email, or SMS.

  • When converting to a Child Love Card, the government subsidy portion of daycare center payments shall be excluded from the previous month’s transactions (membership points, mileages, cash back points, and other services will not be offered).
  • Read all the promotional materials and the terms and conditions of membership carefully before applying for a card.
  • Card Launch Date: 4 February 2013
  • No.2013-Advertisement-540 (21 May 2013)

Overseas Use

Check Card

Now you can use your check card overseas.
This is a check card that can be used at all domestic and overseas credit card merchants and Visa ATMs, up to the remaining
balance of the cardholder¡-s account. It offers a safe and convenient way to travel without carrying large amounts of cash
(limitations apply to foreigners). The card can be used overseas the same way as it is used domestically and is accepted
at 24 million MasterCard merchants worldwide (signature authorization).

Settlement of Overseas Transactions

• When using the check card overseas, a processing fee designated by the international head offices of Visa (1%)
  and MasterCard (1%) and an overseas use fee (0.2%) are added to the transaction. The transaction is made in USD
  and converted into KRW by Hana Bank in the cardholder¡-s stead using KEB¡-s TT selling rate (no exchange fee) on the day
  of transaction settlement by the concerned credit card company is head office.
• Charge in KRW = (Transaction Amount+Processing Fee)*(TT Selling Rate+Overseas Use Fee)
  Processing Fee: 1% of Transaction Amount Overseas Use Fee: 0.2% of TT Selling Rate If the transaction is settled
  by the credit card company on a non-business day, the exchange rate for the preceding business day will apply.
• Advanced Holding System
• Authorization Hold
• Overseas hotels, car rental companies, airlines, automated gas stations, and online retailers may authorize a transaction
  first before clearing it in order to validate the card. This puts the cardholder¡-s account on hold and, if the preauthorization
  is not cancelled, may continue to remain so. So it¡-s important that you request the merchant to cancel the preauthorization.
• It's safer to use a foreign exchange credit card at preauthorization merchants such as hotels, car rental companies, airlines,
  automated gas stations, and online retailers.
• Remember to write down the cancellation number if you are cancelling a hotel or a rental car reservation. Without it, it might not
  be possible to cancel the transaction.
• Making an overseas transaction (excluding cash withdrawals) places an additional 3% of the authorized amount on hold,
  which is then settled as a part of the transaction amount.
• At overseas automated gas stations, preauthorization of US$1 places US$40 on hold, which is then settled as a part
  of the transaction amount.
• 10% of the holding amount may be charged in addition by merchants where tipping is the norm (restaurants).
• Holding amount and withdrawn amount may not be the same.
• Checking your account balance while overseas may be difficult, so it¡-s safer to deposit a sufficient amount in advance.

Warnings on Overseas Use

• Make sure the name on your card is the same as the name on your passport before departing.
  Merchants may not accept your card if the names do not match.
• While overseas, treat your check card like cash. Keep the card on you at all times and check all transaction
  slips (amount, currency, etc.) before signing.
• The cardholder is wholly responsible for losses and damages resulting from divulgence of his or her PIN.
  Do not share your PIN with anyone.
• We recommend you arrange an alternative payment method (a spare credit card) in case your primary card ends up getting lost,
  stolen, or damaged.
• Hotels may impose a ¡°no show¡± charge and charge the cardholder for additional goods and services used
  (mini bar, room service, etc.) upon checkout.
• If you had your card preauthorized but made the payment in cash, make sure to request cancellation of the preauthorization
  and to obtain a receipt.
• Note that online transactions usually require you to provide the merchant your card number and the card¡-s expiration date
  and may result in recurring charges.
• Check cards cannot be used overseas for two to four minutes around 0:30 (Korea Standard Time) each day due to system
  maintenance.
• Your records of overseas credit card use can be accessed online (www.hanacard.co.kr).
• To report a lost/stolen card or if you have questions, please contact the customer center at ☎ 82-2-524-8100.
• If you discover that an unknown transaction has been made using your card, contact Hana Card (formerly KEB Hana Card)
  right away to file a claim. The claim will be processed in accordance with the policies of Hana Card and MasterCard Worldwide.

Guide

• Read the card’s promotional materials and all the terms and conditions of membership before applying for a card.
• Additional services that come with the card, such as membership points and discounts, will remain unchanged
  (diminishment or cancellation) for minimum one year following the card’s launch. In the event of a unilateral change in affiliate
  terms and conditions or bankruptcy by an additional service affiliate; a natural disaster; a sudden change in the finance market;
  a business crisis affecting the credit card company; or any other similar development, Hana Card is to announce the matter on
  its website without delay and inform its members individually via credit card bill, mail, or email.

  * Individual Notification Methods: Credit card bill, mail, email, or SMS.

• When converting to a Child Love Card, the government subsidy portion of daycare center payments shall be excluded from the
  previous month’s transactions (membership points, mileages, cash back points, and other services will not be offered).
• Read all the promotional materials and the terms and conditions of membership carefully before applying for a card.
• Card Launch Date: 4 February 2013
• No.2013-Advertisement-540 (21 May 2013)

Check Card

Check Card

• As Easy and Convenient as a Credit Card

  Use the check card at any credit card merchant nationwide 24 hours a day and without any blackout period.

• Use Limit
  • Standard: W5,000,000 a day, W20,000,000 a month (from first to last of the month)
  • Can be increased by request (Hana Card branch or customer center)
• Immediate Settlement
  • Domestic Transactions: The card can be used up to the remaining balance of the cardholder’s account and payments
    for transactions are withdrawn immediately. (No-authorization transactions and transportation card transactions are processed
    in the same manner as overseas transactions)
  • Overseas Transactions: The card can be used up to the remaining balance of the cardholder’s account. The transaction
    amount is immediately placed on hold within the cardholder’s account and then cleared within three business days on average.
• Cash Card

  Can also be used as a cash card at banks

• Available to Anyone

  Anyone over the age of 14 can apply, regardless of his or her credit status.

• Guide
  • Read the card’s promotional materials and all the terms and conditions of membership before applying for a card.
  • Additional services that come with the card, such as membership points and discounts, will remain unchanged
    (diminishment or cancellation) for minimum one year following the card’s launch. In the event of a unilateral change in
    affiliate terms and conditions or bankruptcy by an additional service affiliate; a natural disaster; a sudden change in the
    finance market; a business crisis affecting the credit card company; or any other similar development, Hana Card is to
    announce the matter on its website without delay and inform its members individually via credit card bill, mail, or email.

    * Individual Notification Methods: Credit card bill, mail, email, or SMS.

  • When converting to a Child Love Card, the government subsidy portion of daycare center payments shall be excluded from
    the previous month’s transactions (membership points, mileages, cash back points, and other services will not be offered).
  • Read all the promotional materials and the terms and conditions of membership carefully before applying for a card.
  • Card Launch Date: 4 February 2013
  • No.2013-Advertisement-540 (21 May 2013)