Industrial Bank of Korea

Product Overview

Card Benefits

Transportation/Communication

• 100 won discount for each bus and subway use
  • Only for post-paid transportation cards
  • Up to 1,000 won discount per month based on the date of receipt of sales statement
  • Except for transfer uses

Shopping/Beauty

• 5% discount at GS25, CU, and 7-Eleven
  • Combined with Olive Young, once a day, twice a month, and one-time use amount limit of 10,000 won
• 10% discount at Coupang, TMon, Wemakeprice
  • Combined once a day, twice a month, and one-time use amount limit of 10,000 won
• 5% discount at Olive Young
  • Combined with convenience stores (GS25, CU, 7-Eleven), once a day, twice a month, one-time use amount limit of 10,000 won

Performance/Culture

• 4,000 won off at CGV, Lotte Cinema, Megabox
  • For on-site or online purchases
  • Combined once a month, 12 times a year, with purchase of more than 10,000 won each
  • Discount excluded for purchases through booking agency sites

Cafe/Dining

• 10% discount at major coffee shops
  • Starbucks, Coffee Bean, Café Bene, Tom N Toms, Angelinus, Twosome Place, Hollys, dal.Komm.
  • Combined once a day, twice a month, one-time use amount limit of 10,000 won
  • Except for locations in department stores and discount (outlet) stores

Finance

• Financial Preference Service
  • IBK electronic finance transfer fee exemption Financial preference service is provided when IBK deposit and withdrawal account is used as the payment account.
  • Other bank ATM withdrawal fee exemption (10 times a month) IBK ATM / CD machine transfer fee exemption Financial preference service is provided when IBK deposit and withdrawal account is used as the payment account.
  • 70% preferential exchange rate for exchange (cash, T / C) (target currency USD, JPY, EUR) Financial preference service is provided when IBK deposit and withdrawal account is used as the payment account.

Leisure/Sports

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

  On-site Discount

  Division	Offer Summary
  Seoul Land, Everland, Lotte World, Korean Folk Village, E-world	50% discount on personal pass
  Tongdo Fantasia	Free admission for self or 50% discount on personal pass
  Gyeongju World	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	6,000 won billing discount on admission fee

  Major amusement park discount service is not provided for the card issue month

Other Notice

Combined Discount Limit

• Monthly combined discount limit of 5,000 won with previous month usage record of 300,000 won or more
• Monthly combined discount limit of 10,000 won with previous month usage record of 500,000 won or more The combined discount limit excludes financial preference service and amusement park service.

  Combined Discount Limit

  Previous Month Usage Record	Over 300,000 Won	Over 500,000 Won
  Monthly Combined Discount Limit	5,000 Won	10,000 Won

Service Offer Conditions

• Discount service is provided when the amount of domestic affiliated store usage from the 1st to the last of the month before the time of card usage is over 300,000 won. However, tax and public utilities’ charge (national tax/local tax/city gas/social insurance/public fee, etc.), APT management fee, university tuition, gift certificate (includes prepaid cards) purchase and recharge, and transportation fee are excluded in calculating the previous month's usage record.
• No discount service is provided for purchases and recharges of gift certificates (including prepaid cards)
• Combined discount limit of 5,000 won is provided regardless of the card usage amount from the date of card registration until the end of the next month.
• Each discount service is offered at the time of approval of the discounted sales.
• When calculating the usage amount of the previous month, the approval cancellation amount is deducted from the usage amount of the month of the canceled sales statement receipt. If you cancel a discounted purchase, the discounted amount will be returned (claimed).
• Monthly combined discount limits are generated on the first of each month and end on the last day of the month, and remaining combined discount limits do not roll over.
• 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.
• Financial preference service will be provided regardless of the usage record of the card from the date of card registration until the end of the next month.
• All affiliated stores provide discounts based on the affiliate store industry registered with BC card.
• Discount service may not be available if payment is made through various convenient payment methods.

Overseas Usage Guide

• Card> Card Guide> Card Usage Guide> Overseas Usage Guide

Annual Fee Return Information

• If the card is terminated before the expiration date, the annual fee will be restored by calculating the number of days of the remaining period within 10 business days of the card cancellation date.
• However, if the card is canceled within one year after the card is issued, the cost of issuing the card, including printing the card, shipping, etc. will be excluded from the return amount.

Law-abiding monitor review passed

• 2023-4625(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.
• IBK does not receive any bribe or entertainment. Please report to us if you are aware of any breach of management ethics, or if there is a need for improvements. (☎ 02-729-7490, e-mail: ibkethics@ibk.co.kr)