The card with rewards upon rewards
Hyundai Card M
- Earn 1.5% from all merchants (In Korea and overseas)
- Earn 5% on purchases at e-commerce, dining or overseas merchants
- Up to 500K M Point Emergency Earning (Upfront Point Service)
Annual Fee
Annual Fee popup-
Visa / Amex
Primary Card
KRW 30,000 -
Domestic only
Primary Card
KRW 30,000
design
Introducing special designs
of the Hyundai Card M.
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M Core
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M Grid
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M Code
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M Metal
Basic Benefit
All merchants (In Korea and overseas)
Earn 1.5% M Points
Benefits are available if the previous month’s total spending was KRW 500,000 or more
Extra Benefit
E-commerce, dining or overseas merchants
Earn 5% M Points
(Up to 10,000 M Points per month)
Benefits are available if the previous month’s total spending was KRW 1 million or more
Priority Services
M Emergency Earning (Upfront Point Service)
Enjoy up to 500,000 M Points upfront and
pay back with M Points earned later from card spending
Metal Plate
M Metal
Available in a metal design
to deliver value that truly stands out
(January 1 - December 31, 2026)
Redeeming M Points
Everyday Spending
Use your M Points at a wide variety of participating merchants
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Coffee & Bakery
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Dining
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Shopping
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Travel & Duty-Free
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Movies & Music
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Auto
Convert Your M Points
Convert and redeem
M Points
just like cash
Convert to partner points at participating merchants,
use points to pay your annual fee or convert to H-Coin
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Notes on Card Usage
Click for more details
Please note
- All merchants are subject to Hyundai Card's merchant registration and classification standards.
- All services and benefits will be provided as detailed in the Product Guide.
- Submitting multiple credit card applications within a short timeframe may impact your credit rating, credit score, and/or credit limit.
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Supplementary card benefits, including points and discounts, are guaranteed to remain in effect for at least three years from the card's launch date (January 19, 2024) without reduction or cancellation.
Notwithstanding the above, the credit card company may change the supplementary services in the event of any of the followings:- Unavoidable due to suspension of our business, our insolvency, business hardship or similar
- Any of our partners suffers suspension of its business, its insolvency or business hardship that requires reduction or change in the scope of the benefit, and no service equivalent thereto is available from other partner of ours
- Any of our relevant partners reduces the scope of benefits offered for your credit card or offers different benefits from what it has agreed to without our consent or
- The profitability of the product has significantly decreased due to the relevant supplementary benefit, provided that the benefit has been offered for at least three years.
- In the event of any changes to supplementary services, we will immediately publish the details and the reasons for the modifications on our website, and notify you using at least two of the available notification methods.
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Specifically, if benefits are modified due to declining profitability on our end, we will send you monthly notifications via at least two different methods for six months before the change takes effect. Please note that such changes will only occur if at least three years have passed since your card's initial launch.
- Method of notification: Written notice via mail, email, telephone, fax, mobile text message, or other comparable electronic means.
- The annual fee is billed in advance upon card issuance.
- The annual fee (basic fee + partnership fee) will be charged for each card you hold.
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In the event of payment delinquency, a default interest rate will apply, calculated as the agreed-upon interest rate plus a 3% spread. (Rates vary by individual and product, subject to the statutory maximum rate of 20%.)
If an agreed-upon interest rate does not exist at the time of delinquency, the following will apply:- Lump-sum payments: The applicable interest rate for a minimum 2-month interest-bearing installment plan as of the transaction date, plus a 3% overdue spread
- Interest-free installments: The applicable interest rate for an interest-bearing installment plan of the same term length, determined as of the original transaction date, plus a 3% overdue spread
- In all other cases, the agreed-upon interest rate will be the higher of the statutory interest rate in commercial activities stipulated in the Commercial Act and the household loan rate of mutual finance businesses*.
This refers to the most recent weighted average lending rate (based on newly originated loans) of non-bank financial institutions, published monthly by the Bank of Korea
- Be aware that excessive credit card use exceeding your repayment capacity may lower your credit rating.
- A decline in your credit rating may result in disadvantages during future financial transactions.
- Failure to repay the principal and interest for a specified period may result in the obligation to repay the entire outstanding balance immediately.
- Credit card issuance may be declined if you do not meet the eligibility requirements (such as having existing arrears or a low credit rating).
- The credit card balance and all associated fees shall be paid on the designated payment date.
- Under Article 19 (1) of the Financial Consumer Protection Act, financial consumers have the right to receive an explanation of the financial products or services they intend to use as a financial consumer.
- Please review the detailed card information and terms of use available on the Hyundai Card website, as well as the relevant Product Guide and Terms & Conditions, before applying.
- Compliance verified as No. 260901-089 (Sep 1, 2026 to Aug 31, 2027)
- Reviewed by the Credit Finance Association as No. 2026-C1h-12468 (Aug 12, 2026 to Aug 11, 2027)
Annual Fee
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International
(VISA Platinum / AMEX Platinum) KRW 30,000(Base Fee 10,000 + Partnership Fee KRW 20,000)
KRW 10,000 for each additional card for family members
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Domestic Only KRW 30,000
(Base Fee 10,000 + Partnership Fee KRW 20,000)
KRW 10,000 for each additional card for family members
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· The fee (base + partnership) will be charged when your card is issued and for each card you own.
· The base fee is used to cover expenses associated with issuance of your card, including printing and delivery, and is not refundable if you close your credit card account within the first year.
Earning M Points
Earn 1.5% in M Points at all merchants in Korea and overseas if the previous month's total spending was KRW 500,000 or more
- There is no limit on the points that can be earned per purchase or per year
- For newly issued cards, benefits will be provided through the month following the month of issuance, even if your previous month's spending falls below KRW 500,000
- Domestic and overseas merchant categorizations are determined by Hyundai Card's official merchant registration
Earn 5% in M Points on purchases at e-commerce platforms, general restaurants, and overseas merchants
if the previous month's total spending was KRW 1 million or more
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Eligible Merchants:
- E-commerce: Naver Shopping, Coupang, Gmarket, Auction, 11 Street, SSG.COM, Kurly
- General restaurants
- Overseas merchants: Online and offline international merchants
- Monthly earning cap of 10,000 M Points combined across all eligible merchants (based on the combined points of the primary + family cards; once the cap is reached, the basic earn rate will apply)
- For newly issued cards, benefits will be provided through the month following the month of issuance, even if your previous month's spending falls below KRW 1 million
- Naver Shopping: Only purchases made at merchants verifiable through the Naver domain (naver.com) are eligible
- Coupang: Coupang Eats deliveries are excluded
- The earn rate applies strictly to payments made directly on the official websites or mobile apps of the eligible e-commerce platforms. Purchases made on third-party websites or apps accessed via redirected links are not eligible
General Notes
- When the Extra Benefit earn rate is applied, the Basic Benefit rate will not be applied cumulatively
- International brand fees and overseas service fees are excluded from point accumulation
- Separate fees apply to overseas transactions.For full details regarding international brand fees and charges, please refer to the “Notes on Card Usage” section in the Product Guidebook
- All merchant classifications are determined by Hyundai Card’s official merchant registration
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Spending Calculation
Calculating the Previous Month’s Spending
- The previous month’s spending is calculated as the total sum of lump-sum and installment payments made with the Hyundai Card M (primary + family cards) from the first day to the last day of the previous calendar month
- Installment purchases and revolving balance transactions are counted toward the spending of the month based on their initial approval date
- Total calculated spending may vary in the event of delayed merchant transaction clearing or canceled transactions
- For canceled transactions, the refunded amount will be deducted from the total spending of the original approval month, not the month the cancellation occurred. If this deduction causes your total to fall below the required spending minimum for that previous month, the corresponding benefits will not be provided
- For delayed-authorization merchants, such as public transit cards, and overseas payments, the transaction amount will be applied to the relevant month based on the merchant billing date
Exclusions from Previous Month’s Spending Target
- Long-term card loans (Card Loan), short-term card loans (Cash Advance), annual fees,other card fees, and interest payments
- International brand fees and overseas service fees
- Taxes and public utility charges (national taxes, customs duties, local taxes, non-tax local revenues, water/sewage bills, fines, penalties, stamp duties, delivery fees, civil document issuance fees, and any other levies imposed by the government or public institutions)
- Purchases of cash-equivalent instruments, such as gift cards, and the purchase or reloading of prepaid cards
- Only payments made with the current Hyundai Card M are included. Payments made with other cards (e.g. legacy Hyundai Card M products) do not count toward the spending requirement
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M Point Earning Criteria
Eligible Transactions
- Payments for goods and services at all domestic and international merchants
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For Basic and Extra Benefit earn rates, points are calculated on a per-transaction basis and decimals are rounded to the nearest whole point
- Example: A payment of KRW 4,639 at a domestic or international merchant eligible for the Basic Benefit will earn 70 M Points (4,639 x 1.5% = 69.58, which is rounded up to 70)
Exclusions from Earning
- Long-term card loans (Card Loan), short-term card loans (Cash Advance), annual fees, other card fees, and interest payments
- International brand fees and overseas service fees
- Taxes and public utility charges (national taxes, customs duties, local taxes, non-tax local revenues, water/sewage bills, fines, penalties, stamp duties, delivery fees, civil document issuance fees, and any other levies imposed by the government or public institutions)
- Electricity bills, city gas bills, apartment building maintenance fees, and fees for using automatic payment services
- Private kindergarten fees, elementary/middle/high school fees, university/graduate school tuition
- Purchases of cash-equivalent instruments, such as gift cards, and the purchase or reloading of prepaid cards
- National Health Insurance, National Pension, Employment Insurance, Industrial
- Accident Compensation Insurance, and disability employment charges
- Highway tolls, post-paid Hi-Pass card usage, and express bus fares (including payments made via in-vehicle terminals and express bus mobile app)
- Any transactions where Hyundai Card’s discount services are applied, as well as all interest-free installment payments
Point Earning Timing
- M Points are credited within 2 to 10 days after your designated payment due date or the actual date the payment is completed
- For early payments, points are credited within 2 to 10 days of completing the payment
- In the event of late payments, earned M Points will be available to view 10 days after the overdue amount is paid
Effective Period
- M Points are valid for 60 months (5 years) from the month they are initially earned
- Unredeemed M Points will automatically expire every month on the first Sunday after the 60-month validity period has elapsed, applied on a first-in, first-out basis
- Expiration dates can be found on your monthly statement or on the Hyundai Card website
Point Management Criteria
- M Points are earned and redeemed on an individual member basis, applicable to both primary and family cardholders
- If a member holds two or more M Point-earning cards, points are calculated individually for each respective card
- These points are then combined into a single pooled balance for the individual primary cardholder and family cardholder
- When a family card is used, points are earned and accumulated separately for the primary cardholder and the family cardholder
Other Criteria
- M Points are earned on both partial and late payments
- For partial payments, funds are applied according to our standard payment allocation order
- M Points will be credited for the portion of the balance that is successfully paid and recognized
- For partial interest-free installment plans, M Points are only earned on the specific installments that are subject to interest charges
- When utilizing a separate special agreement service, such as Save Auto (upfront point service), Basic and Extra Benefits will be applied according to the specific earn rates designated for that service
- If a transaction that earned Extra Benefit rate is canceled, the monthly earning cap will be restored by the canceled amount. Purchases in that same month that did not earn the Extra rate because the cap had already been reached will retroactively earn points, to be credited around the 15th of the following month (up to the restored cap limit)
Checking Your M Points
- Hyundai Card Website > Benefits > My Benefits > My Points
- Hyundai Card App > Menu (Top-Left Corner) > My Benefits > My Points
- Hyundai Card Customer Service Center 1577-6000
Please Note
- All transactions utilizing Hyundai Card discount services and all interest-free installment payments are excluded from M Point accumulation. For more details, please refer to the “Benefit Eligibility Criteria”
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What is a Shared Merchant?
- Due to individual circumstances, some merchants may not have a direct merchant agreement with Hyundai Card. However, under the [Shared Merchant Network Policy], your transactions can still be approved through their standard credit card terminals just like regular participating merchants
- Shared Merchant Network Policy: A system that allows merchants to accept credit card payments from all Korean credit card issuers, even if they have only officially registered with one or a few specific card companies”
Priority Services
- Enjoy up to 500,000 M Points upfront and pay back with M Points earned later from card spending
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How to Use
Step 1. Select "M Emergency Earning" in the Hyundai Card app
Step 2. Get up to 500,000 M Points (Available in increments of 100,000 points)
Step 3. Redeem the earned M Points
Step 4. Repay the advanced amount over a maximum period of 24 months using the M Points earned each month through your Basic and Extra earn rates - Any outstanding M Emergency Earning points that are not repaid will be billed separately as a cash charge (Your existing M Point balance will first automatically be applied toward the repayment; any remaining unpaid points will then be converted to cash at a rate of 1 M Point = KRW 1 and billed to your account)
- Full details regarding the M Emergency Earning (upfront point service), including point redemption and repayment terms, can be found in these Terms & Conditions and via the Hyundai Card App > M Emergency Earning
M Emergency Earning Repayment Example
- A Hyundai Card M cardholder receives an M Emergency Earning advance of 500,000 M Points, to be repaid over a 24-month period
- Basic Benefit(Earn 1.5% M Points), Monthly Spending KRW 800,000
- Earned M Points(Month) 12,000
- Accumulate M Points(24 Months) 288,000
- Extra Benefit (Earn 5%), Monthly Spending KRW 200,000
- Earned M Points(Month) 10,000
- Accumulate M Points(24 Months) 240,000
- Total, Monthly Spending KRW 1,000,000
- Earned M Points(Month) 22,000
- Accumulate M Points(24 Months) 528,000
- The scenario above is for illustrative purposes only. Actual benefits and repayment periods may vary based on your spending at individual merchants
- Details regarding eligible merchants and spending requirements can be found on the Hyundai Card website, or in the “Basic Benefits” and “Extra Benefits” sections of the Product Guide
Metal Plate
Available in a metal design (Jan 1 to Dec 31, 2026)
Please Note
- Available only to primary cardholders of the Visa-branded Hyundai Card M
- A KRW 100,000 issuance fee applies, which can be billed separately or paid using 100,000 M Points (Also applies to card reissuance and renewal)
- Certain ATMs may not accept metal cards
- Because metal plates are individually handcrafted, issuance takes an average of 3 weeks from the date of application (Processing times may vary based on material availability)
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If the standard plastic card is canceled, the associated metal card will automatically be canceled
- Any annual fee paid for the standard plastic card will be refunded on a prorated basis
- The metal card issuance fee is strictly non-refundable
- The expiration date of the metal card will match the expiration date of your standard plastic card. Once the expiration date has elapsed, the KRW 100,000 fee will apply again for reissuance
- Due to the characteristics of the metal material, the recognition rate on public transit terminals may be reduced
- Due to the nature of the handcrafted manufacturing process, vertical lines or slight unevenness on the card’s surface may occur
- Requests to change your card brand or product type can only be processed after your current metal card has been canceled
- Applications for a metal card cannot be withdrawn due to a simple change of mind
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Requests for a metal card can be submitted via the Hyundai Card website or app
- Hyundai Card Website: Account > My Cards > Manage Your Cards
- Hyundai Card App: Menu (Top-Left Corner) > My Cards > Manage Your Cards
Redeeming M Points
Use your M Points at a wide variety of participating merchants
- Coffee & bakery, dining, food delivery & ready meals, convenient stores & supermarkets
- Shopping, fashion, beauty
- Travel & duty-free, leisure & theme parks, movies & music, education & books
- Auto, insurance & financial services, pet
An exclusive online store for Hyundai Card members where they can redeem their M Points to cover 50% to 100% of their total purchase price
Apply up to 2 million M Points per 5-year period toward the purchase of a new Hyundai or Kia vehicle
- Request to use M Points at the dealership when making your purchase
Convert your M Points into partner mileage and points, exchange them for gift cards, use them to pay your annual fee, or convert them into H-Coin
- Please note that for rules regarding the redemption of advanced points through the M Emergency Earning (upfront point service), refer to these Terms & Conditions or “Hyundai Card App > M Emergency Earning”
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Usage & Management Criteria
- You may only redeem your own M Points
- M Points are redeemed based on the cardholder’s Resident Registration Number
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How to Redeem
- You may redeem M Points when making a purchase using an eligible M Point-earning card on the Hyundai Card website, at M Mall, or at participating M Point partner merchants
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Cancellation
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As a general rule, M Point redemptions can only be canceled on the same day the points were used. Some merchants, however, do not permit point cancellations; please verify the details before redeeming your point
- Example: Point redemptions cannot be reversed once converted into airline mileage
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As a general rule, M Point redemptions can only be canceled on the same day the points were used. Some merchants, however, do not permit point cancellations; please verify the details before redeeming your point
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Redemption Restriction
- Members with suspended (delinquent, etc.) accounts, canceled cards, or closed memberships may only redeem M Points at a limited selection of designated merchants (Full redemption privileges will be reinstated once the account is returned to good standing)
- M Points can be applied toward a portion of your purchase price at participating M Point partner merchants. They cannot be redeemed at standard, non-participating merchants
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Annual Merchant Cap
- The annual cap for redeeming M Points at a specific merchant is calculated based on total M Points used at that same merchant between January 1 and December 31 of each year
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Family Point Pooling
- If an M Point-earning family card is in good standing, the points of the primary cardholder and the supplementary cardholder can be pooled together for redemption
- You must request point pooling via the Customer Service Center (1577-6000) or by logging into the website prior to redeeming
Even if they do not hold a supplementary family card, members may pool and redeem M Points held by immediate family members (spouse, parents, or children) specifically for the purchase of a new car
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M Point Inheritance
- In the event of a member’s death, their remaining M Points can either be applied toward the deceased member’s outstanding card debt or inherited by their legal heir, upon the heir’s request
- If requested for debt relief, points will be applied at a conversion rate of 1 M Point = KRW 2/3. Annual fees, card reissuance fees, legal (litigation) fees, and certain other debts are excluded from this relief
- To inherit M Points, the heir must hold an active M Point-earning card issued in their own name
- Inherited M Points can be redeemed at standard partner merchants
- Inheritance requests may require supporting documentation
- Please contact the Hyundai Card Customer Service Center (1577-6000) for further details on inheritance requests
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Suspended (delinquent, etc.) or Canceled Cards or Closed Memberships
- If a card agreement is terminated, such as for suspended (delinquent, etc.) or canceled cards or closed memberships, any outstanding M Points will remain valid until their originally assigned expiration date. As an exception, even without an active and eligible card, these remaining points can be redeemed at specific merchants designated by the issuer
- Upon card cancellation, remaining M Points can be converted to H-Coin to pay off any unpaid card balances or the converted funds can be deposited directly into the member’s designated card payment withdrawal account
- If the member opens a new account and holds a card in good standing before the remaining M Points expire, such M Points can be redeemed
- All other matters regarding point expiration are governed by Article 15 of the Hyundai Card Individual Member Terms & Conditions
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Miscellaneous Rules
- When redeeming M Points to cover a purchase, any KRW amounts in the ones digit are dropped
- Please check the specific redemption rates and usage guidelines for each partner merchant before redeeming your M Points
- When redeeming M Points, your oldest earned points will always be deducted first
Visa/Amex Platinum Service
Benefits
- Includes standard Visa/Amex Platinum benefits
Please Note
- You are eligible to use the standard benefits included in the Visa/Amex Platinum Service tiers
- These services are provided by Visa/Amex, and the details of the services are updated on an annual basis As service availability periods, methods, and eligibility requirements may vary, please review the Visa or Amex website prior to use
Notes on Card Usage
For overseas transactions (including those at online overseas merchants) made with a domestic & international use card, the transaction amount in USD is converted to KRW using Shinhan Bank’s initial Telegraphic Transfer (TT) selling rate on the date the transaction is received by Hyundai Card. Then, an international brand fee (Visa: 1.1%) and a Hyundai Card overseas service fee (0.2%) are applied and included in the final KRW billing amount. Please refer to the Hyundai Card website for more details regarding international brand fees.
Calculation of Billed Amount for Overseas Spending
*Total Billed Amount for an International Transaction = (USD Transaction Amount x TT Selling Rate¹) + International Brand Fee² + Overseas Service Fee³
1.TT Selling Rate: The initial TT selling rate posted by Shinhan Bank on the date the transaction is received
2.International Brand Fee: (USD Transaction Amount x International Brand Fee Rate of 1.1% or 1.4%) x TT Selling Rate
3.Overseas Service Fee: (USD Transaction Amount x Overseas Service Fee Rate of 0.2%) x TT Selling Rate
Blocking KRW Payments Overseas
When you choose to pay in KRW at an overseas merchant, Dynamic Currency Conversion (DCC) occurs, and additional fees may be charged. To avoid these fees, always ensure you request to pay in the local currency or USD.
- Website > Benefits > Check Benefits > Overseas Usage Benefits > Lock Overseas Payment in KRW
- App > Menu (Top-Left Corner) > Manage My Cards > Lock Overseas Payment in KRW
If funds are deposited into your payment account after the operating hours (4:00 PM) of the account-issuing financial institution, the automatic withdrawal may fail on that same day due to the institution’s internal schedules, causing your payment to be processed as delinquent.
If you wish to make a payment on the same day after the automatic withdrawal cut-off time has passed, you can do so by using the ‘Pay Now’ feature on the Hyundai Card website or app, or by depositing (transferring) the funds to your dedicated deposit (virtual) account.
(Check the details on card bill payment via Website > Account > Card Transaction > Card Statements or App > Menu (Top-Left Corner) > Card Transaction > Card Statements)
You may file a customer complaint through the Hyundai Card website, Customer Service Center, fax, email, mail, or by visiting in person.
- Website > Customer Support > Consumer Protection > Filing Complaints Online
- Customer Service Center: 1577-6000 (International: +82-2-3015-9000)
- Fax: 02-2165-9454
- Email: hc_VOC@hyundaicard.com
- Visit/Mail: Card VOC Team, Hyundai Card Building, 3, Uisadang-daero, Yeongdeungpo-gu, Seoul, Korea
- The annual fee for a family card is determined by the specific annual fee policy of each card product
- Up to five family cards can be issued per primary card. These cards will be issued under the same international brand network as the primary card
- The previous month’s spending requirements and benefit usage limits for supplementary services are calculated on a combined basis for both the primary and family cards. All other usage policies are identical to those of the primary card
- For year-end tax filing purposes, the spending amount on a family card is attributed to the individual family cardholder (whose name is printed on the physical card), and annual income criteria will follow the standards set by the National Tax Service
- If the primary cardholder wishes to receive transaction notifications for family card usage, they must submit a separate request via the Customer Service Center (1577-6000)
- Billing statements for family cards will be sent to the designated address and via the method chosen during the issuance of the primary card
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M Points earned from family card usage can be transferred to other family members via the Hyundai Card website, and transferring points may incur inheritance or gift taxes
- Website > Benefits > My Points > M Points > M Point Family Transfer
- In the event of a change in family relations (e.g., divorce, death, or annulment of adoption), you can suspend or cancel the family cards via Hyundai Card website, app, or Customer Service Center
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Cancellation requests can be made by the primary cardholder via the website or app, and suspension requests can only be processed through the Customer Service Center
- Website > Account > My Cards > Manage Your Cards > Cancellation
- App > Menu (Top-Left Corner) > My Cards > Manage Your Cards > Cancellation
- Customer Service Center: 1577-6000
- At the request of the primary cardholder, a family card’s credit limit can be adjusted, or the card can be suspended or canceled without requiring the consent of the family cardholder
- Failure to suspend or cancel family cards following a change in family relations may result in unintended card usage, for which the primary cardholder will remain fully financially responsible
- If the primary card is canceled, associated family cards will automatically be canceled after approximately seven business days