My Hot Luxury
the Red
- Voucher worth KRW 300K provided a year
- Earn M Points or Airline Miles
My Hot Luxury
My Hot Luxury
- Receive up to KRW 300,000 in Vouchers
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Exchangeable for M Points or redeemable across shopping, travel, hotel, and golf categories
1st Year: If the cumulative spending is KRW 1 million or more
2nd Year and Onward: If the previous year's spending was KRW 12 million or more
- Earn M Points or Miles
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(If the previous month's total spending was KRW 500,000 or more)
Earn 1.5% in M Points at all other domestic & international merchants Or earn 1 Korean Air mile per KRW 1,500 spent
- Priority Services
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M Emergency Earning (Upfront Point Service)
Complimentary access to airport lounges worldwide Free valet parking service
(If the previous month's total spending was KRW 500,000 or more)
A metal plate option (issuance fee of KRW 100,000)
Voucher
Luxury Life Vouchers
Tailored to Your Taste
Tailored to Your Taste
- Shopping
- Galleria Department Store, Lotte Duty Free
(On/offline), Shilla Duty Free (Offline)
TheHandsome.com, Shinsegae V
- Travel
- The Hyundai Travel (International flights & hotels), PRIVIA Travel (Flights & hotels)
- Hotel
- Shilla Hotel Seoul, Shilla Hotel Jeju,
Grand Hyatt Seoul, Grand Josun Jeju,
Grand Josun Busan, Paradise City,
Paradise Hotel Busan
- Golf
- Golf courses, TINO5, Taylor Made Golf
- M Point Conversion
- Exchange for 100,000 M Points
* Annual Bonus
1st Year: If the cumulative spending is KRW 1 million or more
2nd Year and Onward: If the previous year's spending was KRW 12 million or more
Choose between M point and air miles to earn rewards
If the previous month's total spending was KRW 500,000 or more
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M Point
Earn 1.5% M Points depending on your monthly spending amount
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Korean Air
One mile for every KRW 1,500 spent
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
Available in a metal design
to deliver value that truly stands out
A KRW 100,000 issuance fee will be billed separately
The Lounge
Complimentary access
to 1,000+ airport lounges worldwide
if the previous month's total spending was KRW 500,000 or more
Valet Parking Service
Complimentary valet parking at Incheon Int'l Airport & premium hotels in Korea
if the previous month's total spending was KRW 500,000 or more
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,
use points to pay your annual fee or convert to H-Coin
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Notes on Card Usage
View detalis of notes no Card Usage -
Audio Support: Product Summary
Listen
for the Visually Impaired and Seniors -
Download the Product Guide (T&C)
Download
for Product Information
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.
- Supplementary card benefits, including points and discounts, are guaranteed to remain in effect for at least three years from the card's launch date (August 16, 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. 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.
- 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
- 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. 260511-036 (May 11, 2026 to May 10, 2027)
- Reviewed by the Credit Finance Association as No. 2026-C1h-02793 (March 03, 2026 to March 02, 2027)
Glossy
plastic plate
This design that highlights the intensity of red through the contrast between glossy red and matte sky blue.
A striking design featuring bold red spread across a black background, expressing the unique identity of the Red through layered brush strokes and a spectrum of red tones.
An irregular card border enhances the sophistication of the Red, while hot pink accents add a bold and daring touch.
Please Note
- The metal plate is available to primary cardholders upon application. A KRW 100,000 issuance fee will 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 1 week from the date of application (Processing times may vary based on material availability)
- The expiration date of the metal card will match the expiration date of your standard plastic card. If the standard plastic card is canceled, the associated metal card will automatically be canceled
- Due to the material characteristics, recognition rates at transportation card terminals may be lower.
- Vertical lines and surface irregularities on the plate may occur due to the handcrafted production process.
- When changing the card brand or replacing the card with a different product, the metal plate must first be canceled before a new application can be made.
Vouchers
Receive vouchers redeemable across various lifestyle categories (One a year)
Exchange for M Points or use KRW 300,000-worth vouchers at any merchant in the below 4 categories
the Red Vouchers
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Shopping
Galleria Department Store, Lotte Duty Free(On/offline), Shilla Duty Free(Offline), TheHandsome.com, Shinsegae V
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Travel
The Hyundai Travel (International flights & hotels), PRIVIA Travel (Flights & hotels)
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HotelShilla Hotel Seoul, Shilla Hotel Jeju, Grand Hyatt Seoul, Grand Josun Jeju, Grand Josun Busan, Paradise City, Paradise Hotel Busan
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GolfGolf courses, TINO5, Taylor Made Golf
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M Point ConversionExchange for 100,000 M Points
* Only available for M Point-type cards (Airline Mileage-type cards are not eligible)
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Voucher Eligibility and Redemption Policy
- You will receive three KRW 100,000 vouchers to use at any eligible merchant of your choice
- First year of issuance: Vouchers are offered immediately upon card issuance and may be redeemed starting two business days after meeting a cumulative spending threshold of KRW 1 million
- Second year and onward: Vouchers are provided starting from the 13th month, counted from the start month of the previous year's spending calculation period, provided your accumulated spending in the previous year was KRW 12 million or more (The previous year is defined as a 12-month period starting from the card issuance confirmation month)
- How to check your valid vouchers and eligible merchants
- Website > Benefits > My Benefits > Vouchers
- App > Menu (Top-Left Corner) > My Benefits > My Vouchers
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Please Note
- Vouchers are issued to the primary cardholder in the form of mobile vouchers
- You may use only one voucher per transaction
- Vouchers can only be redeemed when making a payment with the primary member's the Red card, provided the card is in good standing
(Vouchers cannot be used if the card is restricted, such as closed primary membership, expired card, canceled card or suspended transactions, or when paying with a family card) - Annual spending calculations are governed by the spending calculation rules and exclusions outlined in the “Benefit Eligibility” section
- Vouchers can only be redeemed when the total transaction amount is equal to or exceeds the face value of the voucher, and the remaining balance must be paid using the Red card
- Galleria Department Store: Valid only at physical, in-store locations. Some stores (leased, etc.) may not accept vouchers (Please verify directly with the department store)
- Duty-Free Shops: Valid only for international departing flights, and certain brands may be excluded
- TheHandsome.com & Shinsegae V: Valid on purchases of KRW 300,000 or more (Limited to payments made on the merchant' official website or app)
- When purchasing flights, vouchers can only be applied toward the base airfare (Not covered: fuel surcharges, taxes, or ticketing fees) (Please note that vouchers cannot be used for domestic flights on The Hyundai Travel)
- Golf driving ranges are excluded from eligible merchants. Eligible golf courses are determined based on Hyundai Card’s official merchant registration and industry classification standards
- Golf courses: You must first enable the Automatic Voucher Redemption feature on the Hyundai Card website or app
- Website > Benefits > Check Benefits > My Vouchers > Automatic Voucher Redemption > Toggle “On”
- App > Menu (Top Left) > My Benefits > My Vouchers > Automatic Voucher Redemption > Toggle “On”
- TINO5: Valid on purchases of KRW 500,000 or more at offline stores
- Vouchers are valid for 12 months from the date of exchange and cannot be used past their expiration date
- You can check the exact validity date via the Hyundai Card website or app
- Website > Benefits > My Benefits > Vouchers
- App > Menu (Top-Left Corner) > My Benefits > My Vouchers
- Vouchers are valid only until the expiration date stated on the voucher, and the date cannot be extended
- Products and services purchased using these vouchers cannot be exchanged or refunded
- Vouchers cannot be used in conjunction with other discounts, coupons, or promotional offers
- Vouchers cannot be exchanged for cash, transferred to others, or sold
- If you cancel your card after redeeming vouchers, your annual fee refund will be prorated after deducting the face value of the utilized vouchers
- As per the terms of the M Emergency Earning (upfront point service) program, M points converted from Annual Bonus vouchers cannot be used to repay point advances taken out through the Save Auto (upfront point service) or M Emergency Earning (upfront point service) programs
Basic Benefit (Airline Mileage-Type)
Earn airline mileage
Earn 1 Korean Air mile for every KRW 1,500 spent at all domestic and international merchants if the previous month's total spending was KRW 500,000 or more
- There is no limit on the number of miles that can be earned per purchase or per year
- For newly issued cards, this benefit is provided without meeting the previous month's spending requirement of KRW 500,000 until the end of the month following the month you register the receipt of your card
- Accrual rates are applied based on the order in which the transaction is posted to Hyundai Card, rather than the chronological order of the actual purchase
- 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 Guide
- All merchants are subject to Hyundai Card's merchant registration and classification standards
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Spending Calculation
- The previous month's spending is calculated as the total sum of lump-sum and installment payments made with the Red (primary + family cards) from the first day to the last day of the previous calendar month
- The previous year's spending is calculated as the total sum of lump-sum and installment payments made with the Red Stripe Edition2(primary + family cards) over a 12-month period, starting from and including the month of card issuance confirmation
- 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 (Exception: Overseas cancellations are deducted in the month the cancellation actually occurs)
- For delayed-authorization transactions, such as public transit and recurring payments, as well as overseas payments, the transaction amount will be applied to the relevant month based on the merchant submission date
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Exclusions from Spending Calculation
- 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 Red are included, and payments made with other cards do not count toward the spending requirement
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Airline Mileage Earning Criteria
Eligible Transactions
- Payments for goods and services at all domestic and international merchants
- Miles are calculated on a per-transaction basis and decimals are rounded to the nearest whole point
- Miles earned from family card usage are combined and credited directly to the primary cardholder's SKYPASS account
Example: A payment of KRW 8,800 on the Red card at a domestic or international merchant will earn 6 miles (KRW 8,800 x (1 mile/KRW 1,500) = 5.867, which is rounded up to 6)
- Miles earned from family card usage are combined and credited directly to the primary cardholder's SKYPASS account
- All subsequent mileage usage and operations are governed by Korean Air's mileage usage policies
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, TV reception fees, city gas bills, apartment building maintenance fees, real estate rental fees (monthly rent), and fees for using automatic payment services
- Private kindergarten fees, elementary/middle/high school fees, and 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)
- Transactions that have received other Hyundai Card discount services, as well as interest—free installment payments
Earning Timing
- Korean Air miles are credited within 2 to 10 days after your designated payment due date or the actual date the payment is completed
- For early payments, miles are credited within 2 to 10 days of completing the payment
- In the event of late payments, earned Korean Air miles will be available to view 10 days after the overdue amount is paid
Other Criteria
- Airline miles are earned on both partial and late payments
- For partial payments, funds are applied according to our standard payment allocation order; miles will be credited for the portion of the balance that is successfully paid and recognized
- For partial interest-free installment plans, miles are only earned on the specific installments that are subject to interest charges
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You can check your mileage balance, redeem your miles, and view expiration dates on the official Korean Air website (www.koreanair.com)
Basic Benefit (M Point-Type)
Earn M Points
Earn 1% 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, this benefit is provided without meeting the previous month's spending requirement of KRW 500,000 until the end of the month following the month you register the receipt of your card
- Accrual rates are applied based on the order in which the transaction is posted to Hyundai Card, rather than the chronological order of the actual purchase
- 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 Guide
- All merchants are subject to Hyundai Card's merchant registration and classification standards
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Spending Calculation
- The previous month's spending is calculated as the total sum of lump-sum and installment payments made with the Red (primary + family cards) from the first day to the last day of the previous calendar month
- The previous year's spending is calculated as the total sum of lump-sum and installment payments made with the Red (primary + family cards) over a 12-month period, starting from and including the month of card issuance confirmation
- 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 (Exception: Overseas cancellations are deducted in the month the cancellation actually occurs)
- For delayed-authorization transactions, such as public transit and recurring payments, as well as overseas payments, the transaction amount will be applied to the relevant month based on the merchant submission date
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Exclusions from Spending Calculation
- 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 Red are included, and payments made with other cards 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
- Points are calculated on a per-transaction basis and decimals are rounded to the nearest whole point
- Example: A payment of KRW 4,639 on the Red at a domestic or international merchant will earn 46 M Points (KRW 4,639 x 1% = 46.39, which is rounded down to 46)
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, TV reception fees, city gas bills, apartment building maintenance fees, real estate rental fees (monthly rent), and fees for using automatic payment services
- Private kindergarten fees, elementary/middle/high school fees, and 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)
- Transactions that have received other Hyundai Card discount services, as well as interest—free installment payments
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
Validity
- 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
Accrual and Management Policy
- 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 & extra benefits will be credited according to the specific earn rates designated for that service interest charges
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
Priority Services
- Enjoy up to 500,000 M Points upfront and pay back with M Points earned later from card spending
- 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 the Red's 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 the Red cardholder receives an M Emergency Earning advance of 500,000 M Points, to be repaid over a 24-month period
- Basic Benefit (1.5% earn rate), monthly spending of KRW 1,400,000
- Earned M Points (month): 21,000
- Total M Points (24 months): 504,000
- 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 Benefit” and “Extra Benefit” sections of the Product Guide
Please Note
- The metal plate is available to primary cardholders upon application. A KRW 100,000 issuance fee will 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 1 weeks from the date of application
(Processing times may vary based on material availability) - The expiration date of the metal card will match the expiration date of your standard plastic card. If the standard plastic card is canceled, the associated metal card will automatically be canceled
- Available if your total spending in the previous month was KRW 500,000 or more
- Eligible Lounges: Access to over 1,000 airport lounges worldwide
- How to Use:
- Log into (after joining membership) “THE LOUNGE” app and register your the Orangecard
- Download your lounge access pass via the app prior to entering the lounge
- Annual Limit: Up to 10 visits per year
- Lounge passes are valid for 24 hours from the time of issuance. If a pass is not used within this window, it will be automatically canceled and will not be deducted from your annual limit
- Lounge passes cannot be transferred to others or sold
- For further information regarding lounge access, please check THE LOUNGE app or contact the customer service center
- This service is provided only to the primary cardholder (Family cardholders are not eligible)
- Available if your total spending in the previous month was KRW 500,000 or more
- Participating Locations:
- Incheon International Airport (Terminals 1 & 2)
- Grand Walkerhill Seoul, THE PLAZA, Vista Walkerhill Seoul
- Usage Limit: Up to 10 times per month across all participating airports and hotels
- You must present your physical the Red card to use this service (Digital cards, such as virtual cards or mobile app cards are not accepted)
- This service is strictly limited to the primary cardholder and the specific vehicle they are riding in (Not applicable to family cardholders or any accompanying vehicles)
- For the valet service, parking fees will still be charged separately
- Please check the official website of the airport or hotel for specific details, such as operating hours
Please Note
- Service may be restricted during key national events pursuant to the specific policies of the respective airport or hotel, as well as during busy hours, special event periods, weekends, peak seasons, and national holidays
- For short-term parking of less than 24 hours at Terminal 1, certain designated areas may be restricted. Service may be denied if the eligible parking area reaches full capacity
- To prevent vehicle damage or unauthorized use by illegal private valet operators at the airport, please verify that the attendant is an employee of the officially designated service provider for each terminal
- Terminal 1: Maxerve
- Terminal 2: Amano Korea (Look for the blue uniform)
- For Terminal 1, advance reservations are mandatory on the official Maxerve website
(https://maxerve-mparking.com/valet/) - Advance reservations are highly recommended for Terminal 2 on the official Amano Korea website
(https://valet.amanopark.co.kr). If you arrive without a reservation, service may be restricted due to a lack of available parking spaces
Common Guidelines for Lounge & Valet Parking Services
- For newly issued cards, these benefits are provided without meeting the previous month's spending requirement of KRW 500,000 until the end of the month following the month you register the receipt of your card
- Annual Limit Calculation: Calculated based on a 12-month cycle starting from the initial month of card issuance
(In the event of a card reissuance, the 12-month cycle remains tied to the original card's issuance month) - Services are restricted if the card is not in good standing, such as for closed memberships, expired cards, canceled cards, or suspended transactions
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 per individual cardholder for both primary and family cards
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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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Redemption Cancellation
- 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 miles
- 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 family 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 without a 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 card and holds the 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 Signature Service
Benefit
Visa Signature tier of Visa's Premium Services
How to Use
- All standard Visa services are provided, with the exception of Visa's airport lounge access and valet parking services
- Visa Card Concierge Service: 080-4840-880
Please Note
- All service details, application criteria, and modifications are governed by Visa's internal terms and conditions and service regulations. Certain services may be modified or terminated due to Visa's internal circumstances
- The standard valet parking service provided by Visa is not included with this card; Cardholders must utilize the valet parking benefits provided for the Red
(Check the Hyundai Card Website > Cards > the Red > Priority Services > Valet Parking Service) - The standard airport lounge access provided by Visa is not included with this card; Cardholders must utilize the lounge access benefits provided for the Red
(Check the Hyundai Card Website > Cards > the Red > Priority Services > THE LOUNGE) - In the event of any discrepancy between the Visa-provided services and the Red benefits, the Red service details will always take precedence
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 foreign payment settlement 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 and the foreign payment settlement bank.
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
TT Selling Rate: The initial TT selling rate posted by foreign payment settlement bank on the date the transaction is received
International Brand Fee: (USD Transaction Amount x International Brand Fee Rate of 1.1% or 1.4%) x TT Selling Rate
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 > Account > Manage My Cards > 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
- 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
- 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
Annual Fee
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Domestic & International Use
(Visa Signature) KRW 300,000(Basic Annual Fee KRW 100,000 + Partnership Annual Fee KRW 200,000)
Family Card KRW 100,000 (Basic KRW 0 + Partnership KRW 100,000)
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Domestic-Use-Only KRW 300,000
(Basic Annual Fee KRW 100,000 + Partnership Annual Fee KRW 200,000)
Family Card KRW 100,000 (Basic KRW 0 + Partnership KRW 100,000)
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· The total annual fee (basic + partnership) is billed in advance upon card issuance and is charged per card held
· The basic annual fee covers costs incurred for card issuance, such as physical card production and delivery. This basic fee is non-refundable upon card cancellation during the first year of issuance