Truly! Good Global (Check)

Product Overview

Overseas travelers! Overseas direct buyers! Essential item for smart consumption

Product Overview
Issued to	: Individuals
Brand	: BC Domestic only visa master card
Annual Fee	: BC(Domestic only): 0 / VISA: 3,000(Temporary suspension) / MASTER: 3,000
Annual Fee Exemption	: Possible
Annual Fee Exemption Condition	: If annual (domestic and overseas) usage amount is (3,000,000 won) or more

Card Benefits

Reward

[Overseas] 1.5% cashback of the amount used at overseas affiliated stores
- Cashback only when spending 10 USD or more for each authorized amount.
- The cashback amount is deposited into the payment account on the settlement day of the corresponding card.
[Domestic] 0.1% cashback of the amount used at domestic affiliated stores
- Provided with each purchase of 10,000 won or more, and excludes taxes and public utilities’ charges, gift certificates, and postpaid transportation amount.
- The cashback amount is deposited into the payment account on the settlement day of the corresponding card.

Other Notice

Card Usage Record Exclusion

Tax and public utilities’ charge (national tax/local tax/city gas/social insurance/public fee, etc.), gift certificate (includes prepaid cards) purchase and recharge, and postpaid transportation

Overseas Usage Guide

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

Issuance Fee

2,000 won (exemption for first time IBK issuance, for additional issuance by check card holding customers, and re-issuance due to loss/damage, etc.)

Law-abiding monitor review passed

2023-4618(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)

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.