The card that combines discounts and cashback
Hyundai Card X
- Get 1% off at all domestic and overseas merchants
- Enjoy cashback of up to KRW 100,000 a year
- Receive up to KRW 500,000 in Emergency Discount (Upfront Point Service)
Annual Fee popup
Annual Fee
-
Visa / Amex
Primary Card
KRW 50,000 -
Domestic-Use-Only
Primary Card
KRW 50,000
design
Introducing special designs
of the Hyundai Card X.
-
X Core
-
X Grid
-
X Code
-
X Metal
Basic Benefit
Across all domestic and overseas merchants
Earn a 1% statement credit
(No discount usage limits or amount cap)
If the previous month’s total spending was KRW 500,000 or more
Extra Benefit
Earn KRW 200,000 cashback for every KRW 5,000,000 in cumulative annual spending
Up to a maximum of KRW 100,000 cashback a year
Priority Services
Emergency Discount (Upfront Point Service)
Receive an immediate cash-value discount of up to 500,000
Pay back later using the discount benefits earned from your card spending
Airport Service
Complimentary access to the ICN Airport lounge
(Once a day, twice a year)
If the previous month’s total spending was KRW 500,000 or more
Airport Service
Complimentary ICN Airport Valet Parking
(Once a day, twice a year)
If the previous month’s total spending was KRW 500,000 or more
Metal Plate
X Metal
Available in a metal design
to deliver value that truly stands out
(January 1 to December 31, 2026)
-
Notes on Card Usage
Click to view the full "Notes on 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 (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. 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. 260528-013 (May.28.2026 ~ May. 27. 2027)
- Reviewed by the Credit Finance Association as No. 2026-C1h-05015 (April 02, 2026 to April 01, 2027)
Annual Fee
- Domestic & International Use (Visa Platinum/Amex Platinum) KRW 50,000
-
(Basic Annual Fee KRW 20,000 + Partnership Annual Fee KRW 30,000)
Family Card KRW 20,000 (Basic KRW 0 + Partnership KRW 20,000)
- Domestic-Use-Only KRW 50,000
-
(Basic Annual Fee KRW 20,000 + Partnership Annual Fee KRW 30,000)
Family Card KRW 20,000 (Basic KRW 0 + Partnership KRW 20,000)
-
· 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
Benefits
Earn a 1% statement credit across all domestic and overseas merchants if the previous month’s total spending was KRW 500,000 or more
- There is no limit on the discount that can be applied per purchase or per year
- All merchant classifications are determined by Hyundai Card’s official merchant registration
- For newly issued cards, this benefit is provided without meeting the KRW 500,000 previous month’s spending minimum throughout the end of the month following the month of card issuance
- 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
Up to KRW 100,000 annual cashback based on your annual spending
Earn KRW 20,000 in cashback for every KRW 5,000,000 cumulative annual spending
- Annual period: A 12-month period beginning from the month of your initial card issuance confirmation
(For a reissued card, the 12-month period is still calculated from the original card’s issuance confirmation month) - Cashback eligibility: Your Hyundai Card X account must be in good standing at the time of disbursement
(Ineligible if the card has been canceled, suspended (due to delinquency, etc.), or changed to a different card product) - Cashback timing & method: During any month you reach a KRW 5,000,000 spending milestone (up to 5 times), the cashback will be deposited into your designated Hyundai Card payment account
within 5 business days following the 15th of the subsequent calendar month - Cashback limit: Earn KRW 20,000 in cashback for every KRW 5,000,000 in cumulative annual spending, capped at a maximum of KRW 100,000 per year for KRW 25,000,000 in total spending
Please Note
- Cashback deposit timing may vary depending on individual account circumstances (i.e. adjustments to your cumulative annual spending caused by canceled transactions)
-
Spending Calculation
- The previous month’s spending is calculated as the total sum of lump-sum and installment payments made with the Hyundai Card X (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 a Hyundai Card X (primary + family cards) over a 12-month period, starting from and including the month of card issuance confirmation(For reissuances, the 12-month period is still calculated based on the issuance confirmation 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 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 current Hyundai Card X are included. Payments made with other cards (e.g. legacy Hyundai Card X products) do not count toward the spending requirement
-
Exclusions from Discounts
- 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
-
Other Criteria
- All merchant categories are determined based on Hyundai Card’s official merchant registration and industry classification standards
- If you have utilized the Emergency Discount (upfront point service), the discount amounts and cashback earned from your Basic and Extra Benefits will be automatically applied toward the repayment of that advance (Calculated on a combined basis for both primary and family cards)
Priority Services
- Receive an immediate cash-value discount of up to 500,000 and pay back later using the discount benefits earned from your card spending
-
How to Use
- Step 1. Select "Emergency Discount" in the Hyundai Card app
- Step 2. Get a cash-value Emergency Discount of up to KRW 500,000 (Available in increments of 100,000)
- Step 3. Apply your earned Emergency Discount cash value to purchases
- Step 4. Repay the advanced amount over a maximum period of 24 months using the Basic and Extra Benefit statement credits earned from your Hyundai Card X spending
-
How to Apply for the Emergency Discount Cash Value
- ① Navigate to “My Points > Emergency Discount Cash > Use” in the Hyundai Card app
- ② From the list of transactions made with your Hyundai Card X, select the specific transaction you wish to discount
- ③ Apply the Emergency Discount cash value to immediately cover that transaction
-
If any Emergency Discount cash value remains unpaid, it will be billed separately to your account as a cash charge
(Any unused Emergency Discount value currently held in your account will first be automatically applied toward the repayment; only the remaining unpaid shortfall will be billed) - Full details regarding the Emergency Discount (upfront point service), including using the Emergency Discount cash value and repayment terms, can be found in these Terms & Conditions and via the “Hyundai Card App > Emergency Discount”
Emergency Discount Repayment Example
- A Hyundai Card X cardholder receives a KRW 500,000 worth of Emergency Discount advance to be repaid over a 24-month period
- Basic Benefit(1% Discount Rate), Monthly Spending KRW 1,600,000
- Amount Repaid(Month) 16,000
- Amount Repaid(24 Months) 192,000
- Accumulated Amount Repaid(24 Months) 384,000
- Extra Benefit (KRW 20,000 discount for every KRW 5,000,000)
- Amount Repaid(24 Months) 60,000*
- Accumulated Amount Repaid(24 Months) 120,000
- Total, Monthly Spending KRW 1,600,000
- Amount Repaid(Month) 16,000
- Amount Repaid(24 Months) 252,000
- Accumulated Amount Repaid(24 Months) 504,000
*Assuming an annual spending of KRW 19,200,000 (monthly average of 1,600,000)
- 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 in the “Basic Benefit” and “Extra Benefit” sections of the Product Guide
- Available if your total spending in the previous month was KRW 500,000 or more
-
Eligible Lounges
- Sky Hub Lounge
- Matina Lounge
-
How to Use:
- Log into (after joining membership) “THE LOUNGE” app and register your Hyundai Card X
- Download your lounge access pass via the app prior to entering the lounge
- Lounge Access Limit: Once a day, up to 2 visits per year (Combined limit for primary and family cards)
- 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
- Up to 2 guests are allowed, and guest access fees will be charged separately
- For further information regarding lounge access, please check THE LOUNGE app or contact the customer service center
- Available if your total spending in the previous month was KRW 500,000 or more
- Participating Locations: Incheon International Airport Terminals 1 & 2 authorized valet service providers
-
How to Use
- Departure: Follow the valet parking signage at each terminal to the designated drop-off zone. Register and hand over your vehicle to a valet attendant
- Arrival: Proceed to the vehicle collection area indicated on your valet receipt. Present your receipt along with your physical Hyundai Card X to retrieve your parking ticket and car keys
- Usage Limit: Once a day, up to 2 times per year (Combined limit for primary and family cards)
- For the valet service, parking fees will still be charged separately
- Detailed rules for service usage, such as operating hours, will be governed by the airport’s internal policies
Please Note
- Service may be restricted during key national events pursuant to the specific policies of the airport, as well as during busy hours, special event periods, weekends, peak seasons, and national holidays
-
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 (Look for the uniform with the “Maxerve” logo)
- 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 card issuance month
- 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
-
Spending Calculation
- The previous month’s spending is calculated as the total sum of lump-sum and installment payments made with a Hyundai Card X (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 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
-
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 Hyundai Card X are included, and payments made with other cards (e.g. legacy Hyundai Card X products) do not count toward the spending requirement
-
Other Criteria
- All merchant categories are determined based on Hyundai Card’s official merchant registration and industry classification standards
- If you have utilized the Emergency Discount (upfront point service), the discount amounts and cashback earned from your Basic and Extra Benefits will be automatically applied toward the repayment of that advance (Calculated on a combined basis for both primary and family cards)
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
- A KRW 100,000 issuance fee applies (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) -
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
-
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
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%/Amex: 1.4%) 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 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