“Hello” Card (Check)

Product Overview

Check card specialized for foreigners

Product Overview
Issued to	: Individuals
Brand	: BC Domestic only
Annual Fee	: BC(Domestic only): 0

Card Benefits

Transportation/Communication

Convenient IBK [public transportation discount service] postpaid transportation card convenience along with discount benefits!
- 5% discount on public transportation (bus, subway).
  - Subject to up to 30,000 won discount every month (1st to the last day based on approved application) applied
  - Limited to postpaid transportation card uses

Shopping/Beauty

Useful IBK [convenience store discount service] daily life discount with substance!
- 5% discount at convenience stores (CU, GS25, 7-Eleven, BuyTheWay, Ministop)
  - Twice total per month, discounted in the order of accepted approvals for purchases over 10,000 won and up to 30,000 won.
  - Discount excluded for gift card purchase amounts

Finance

Useful IBK [ATM/electronic finance fee waiver service] secure transfer without any fees!
- Electronic finance transfer fee exemption for IBK and other banks (telebanking, internet, mobile)
  - Fee waiver service is limited to payment accounts
- IBK ATM/CD machine transfer fee exemption for IBK and other banks
  - Fee waiver service is limited to payment accounts
Useful IBK [foreign exchange fee preferential service] foreign exchange transaction that is inexpensive and convenient!
- Outward remittance fee 50% preference, inward remittance fee 50% preference, foreign currency (cash) exchange fee 50% preference (Target currency: USD, EUR, JPY)

Leisure/Sports

Joyful IBK [Amusement Park]
- Free admission or discount at entrance fee/tickets to major amusement parks (once a month, twice a year)

On-site Discount

On-site Discount
Division	Offer Summary
Seoul Land (Gwacheon), Everland (Yongin), Lotte World (Seoul), Korean Folk Village (Yongin), E-world (Daegu)	50% discount on personal pass
Tongdo Fantasia (Busan)	Free admission for self or 50% discount on personal pass
Gyeongju World (Gyeongju)	Select 1 of 50% discount on personal pass or 30% discount at California Beach

Billing Discount

Billing Discount
Division	Offer Summary
Jeonju City Zoo	Free admission for self
Family Land (Gwangju)	6,000 won billing discount on admission fee

Specialized Service

Joyous IBK [culture & leisure discount service (Green Card Membership)]

Free admission or discount at national culture & leisure facilities where you can experience the beauty of Korea.

Specialized Service
Division	Offer Summary
National Park	Max 50% off campsite and 10% off parking
Recreation Forest	Entrance fee exemption at National Natural Recreation Forests of the Korea Forest Service nationwide
Seoul	Discounts on over 60 facilities including N Seoul Tower, Han River Cruise Ship, etc.
Daejeon	Discounts on over 10 facilities including Daejeon O-world, Bogyong horse-riding center, etc.
Gwangju	Discounts on over 10 facilities including Uchi Park, City Folk Museum, etc.
Gyeonggi-do	Free or discounts on over 10 facilities including Suwon Hwaseong Museum, Gyeonggi Cultural Hall, etc.
Gangwon-do	Free or discounts on over 30 facilities including Mureung valley, Ojukheon Municipal Museum, etc.
Gyeongsangnam-do	Free or discounts on over 30 facilities including Odo Mountain Natural Recreation Forest, the international mask performing arts village, etc.
Jeollabuk-do	Free or discounts on over 30 facilities including wine cave, Baekjegayo Jeongeupsa Pathway, etc.
Jeollanam-do	Free or discounts on over 30 facilities including Suncheon Bay Eco Park, Yulpo seawater and Green Tea Spa Baths, etc.
Jeju Island	Free or discounts on over 10 facilities including Citrus Museum, Hallasan National Park, etc.

Service Provision Condition

Convenient IBK, Useful IBK Service Offer Conditions

Service is provided when the usage record of the previous month from the 1st to the last date is over 200,000 won based on the time the card is used.
However, taxes and public utilities' charge payment, gift certificate purchase amount, and transportation card usage amount are excluded when calculating the usage record.
Service will be provided regardless of the usage record of the card from the date of card receipt until the end of the next month.
When a card approval is canceled, it will be deducted from the usage record of the month of the canceled sales statement receipt.
In the case of family cards, usage records are not included as your own and service is provided by checking the usage record for each card.
If you cancel a discounted purchase, the discounted amount will be returned (claimed).
All affiliated stores provide discounts based on the affiliate store industry registered with BC card.

Amusement Park Discount Service Offer Conditions

Service is provided when the usage record of the previous month from the 1st to the last date is over 200,000 won based on the time the card is used.
However, taxes and public utilities' charge payment, gift certificate purchase amount, and transportation card usage amount are excluded when calculating the usage record.
Service is not provided for the month of card receipt.

Culture & Leisure Discount Service Provision Condition

Cultural & leisure discount service is offered regardless of the previous month's usage record.
For more information on culture & leisure discounts and Green Card Membership Service, please visit the Green Card website (www.ecomoney.co.kr).
Green Card Membership Service is a service that is provided with the Ministry of Environment, local governments, and the Korea Transportation Safety Authority.

Other Notice

Postpaid Transportation (optional/age 18 or older)

Usage limit: 100,000 Won (limit generated on the next business day after repayment)
Withdrawal account: 3 times a month (10th, 20th, and last day of every month + 2 business days)

Usage Limit

10 million won once a day, 20 million won monthly (domestic and overseas combined administration)

If you need a limit adjustment, make a request at a bank branch.

Law-abiding monitor review passed

2023-4626(2023.10.04)
Expiration Date: 2023.10.04 - 2026.10.03

Notice

For detailed inquiries about individual products, please contact your sales office, or IBK Customer Center (☎1566-2566).
Additional services such as points and discount offerings provided when you use the card will be maintained without any deduction, or exclusion for more than 3 years after the new card is released.
Notwithstanding the above terms and conditions, the card company may change the terms of the additional services in any of the following circumstances.
- ① The card company suspended its business became insolvent, or entered a management crisis, or another situation occurred under which the terms of the additional services must unavoidably be changed.
- ①-2 The additional services are inevitably reduced, or changed due to business suspension, bankruptcy, or a management crisis of an affiliate company of the card company, and it is not possible to provide similar additional services of the same type through other affiliated companies.
- ② An affiliate company of the card company reduces or changes the terms of the additional service against the intent of the card company, and provides another additional service, which corresponds to the original additional service.
- ③ The additional service has been provided for more than 3 years, and the profitability of the product has significantly decreased due to the additional service.
 If the card company changes the additional service, we will notify you of the reason for the change in the additional service, the details of the change etc., and notify them through at least two of the notification methods below as soon as the reason for the change occurs.
In particular, if the additional service has been provided for more than 3 years and the profitability of the product is significantly lowered due to the additional service, and the additional service is changed, we will notify you monthly, starting 6 months prior to the date of the change, through at least two of the notification methods below.
* Method of individual notice: Notice by document delivery, mail or e-mail, phone or fax, a mobile phone message, or other similar electronic communication.
If you are issued more credit cards than necessary, your credit rating or personal credit score, the credit limit etc. may be affected.

Interest rate for overdue payment: Agreed interest rate for each member for the product used + up to 3% per year (within 20% of the statutory maximum interest rate) If there is no agreed interest rate at the time of the default, the following terms apply.
- Default on lump-sum payment transaction: The installment interest rate for the minimum period (2 months) from the time of the transaction.
- Default on installment financing with no interest: The installment interest rate for the installment payment period of the user at the time of the transaction.
- Other cases: The agreed interest rate is the higher of the statutory commercial interest rate under the Commercial Act and the mutual financial household loan interest rate.*
  * The most recent weighted average loan interest rate for non-bank financial institutions, announced every month by Bank of Korea (interest rate for new loans)
If your credit card use is excessive relative to your ability to repay, your personal credit score may drop.
If your personal credit score falls, you may face disadvantages related to financial transactions.
If you default on the repayment of the principal and the interest (or the loan, the payment etc.) for a certain period of time, you may be obligated to repay all the principal and the interest.
If credit card issuance is inappropriate (arrears, low personal credit score etc.), the card issuance may be restricted.
Card use fees and all accompanying fees will be paid on the designated payment due date.
Be sure to check the product descriptions and the terms and the conditions before entering into a contract related to a financial product.
General financial consumers have the right to receive a sufficient explanation from IBK in accordance with Article 19(1) of the Financial Consumer Protection Act. Be sure to understand the explanations given before you enter into a transaction.