Industrial Bank of Korea

“Hello” Card (Check)

IBK, your financial partner
for a better future.
“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
    Everland (Yongin), Lotte World (Seoul), Korean Folk Village (Yongin), E-world (Daegu) 50% discount on personal pass
    Seoul Land (Gwacheon), Tongdo Fantasia (Busan) Free admission for self or 50% discount on personal pass
    Gyeongju World (Gyeongju) Select 1 of free admission for self or 50% discount on personal pass or 30% discount at California Beach
  • Billing Discount
    Billing Discount
    Division Offer Summary
    Family Land (Gwangju) 6,000 won billing discount on admission fee
    Jeonju City Zoo Free admission for self
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
  • 2019-0693(2019.02.19)
  • Expiration Date: 2019.02.19 - 2020.02.19
Notice
  • For more information on individual products, please contact a bank branch or the IBK Customer Center (1588-2566).
  • Additional services such as points and discount benefits offered when using the card will be maintained without reduction or abolishment for 5 years after a new card is released.
  • Notwithstanding the foregoing, the card company may change the additional services if any of the following occurs:
    • ① Temporary shutdown, bankruptcy, business crisis, natural disaster, a sudden change in the financial environment or other similar reasons experienced by the card company or additional service- related affiliate companies.
    • ② If the affiliate company unilaterally gives notification of the change in the additional services despite the endeavors of the card company (except when a similar service of the same kind can be provided by another affiliate company).
    • ③ If it has been more than 5 years since the new card was released, and it is difficult to maintain the profitability of the card.
  • If the card company changes the additional service, the reason for the change of the additional service and the contents of the change are posted on the homepage and you will be notified individually as soon as the issue occurs. In particular, if the change in the additional service is due to the difficulty in maintaining the profitability of the card, and it has been over 5 years since the new card was released, you will be notified monthly from six months prior.
    * Individual notification method: Either card bill, postal mail, e-mail, or mobile text message.
  • Information on cardholders with more than two cards is shared between credit card companies through the Korea Credit Information Services and may affect your credit rating.
  • In the event of any disputes relating to banking transactions, you can request resolution at the dispute settlement organization of IBK or apply for dispute mediation through the Financial Disputes Mediation Committee, etc.
    (Financial Supervisory Service: 1332 without area code, IBK: 080-800-0119)
  • IBK does not accept money, valuables or entertainment. Please report any violation of ethical management or improvement that is needed.(☎02-729-7490, e-mail : ibkethics@ibk.co.kr)
  • Overdue interest rate: contracted interest rate by member and product used + maximum 3% (within 24% of court maximum rate) However, if there is no contracted interest rate at the time of overdue occurrence, the following applies.
    • For lump-sum payment transaction overdue: interest with an installment interest rate of a minimum period (2 months) from the time of transaction
    • Non-interest installment transaction overdue: interest with an installment interest rate for the same installment contract period at the time of transaction
    • In other cases: The higher interest rate between the commercial legal interest rate by commercial law and the mutual finance household loan interest rate* is applied as the contracted interest rate.
      * The most recent non-bank financial institution weighted average loan rate announced monthly by the Bank of Korea (based on new loans)
  • When applying for a card, please check the product handbook and the terms and conditions.
  • Your credit rating may decline when using credit finance products.
  • Credit card abuse poses a threat to the household economy.
  • Excess debt is the beginning of suffering.