Hyundai Card X Save
- 5% off E-Commerce, Education & Hospitals
- 1% off at All Domestic and Overseas Merchants
- Receive up to KRW 500,000 in Emergency Discount
(Upfront Point Service)
Annual Fee
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Visa/Amex
Primary Card
KRW 30,000 -
Domestic-Use-Only
Primary Card
KRW 30,000
디자인
Introducing special designs
of the Hyundai Card X Save.
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Metal Save
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Grace Save
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Bloom Save
Basic Benefit
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 a 5% statement credit
(Up to KRW 10,000 monthly discount across all eligible merchants)
If the previous month’s total spending was KRW 1,000,000 or more
Priority Services
Receive an immediate cash-value discount of up to 500,000
Pay back later using the discount benefits earned from your card spending
Metal Plate
Available in a metal design
to deliver value that truly stands out
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Notes on Card Usage
Click to view the full "Notes on Card Usage" -
Audio Support: Product Summary
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for the Visually Impaired and Seniors -
Download the Product Guide (T&C)
Download
for Product Information
Please note:
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The Basic Benefit is applied when your previous month’s spending is KRW 500,000 or more.
- There are no per-transaction or annual discount caps
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The Extra Benefit is applied when your previous month’s spending is KRW 1,000,000 or more.
- Capped at KRW 10,000 per month across all eligible merchants (combined spending of primary and family cards, the Basic Benefit discount rate will automatically apply once the cap is reached)
- When you make a purchase at a merchant eligible for the Extra Benefit, the Extra Benefit discount is prioritized; the Basic Benefit cannot be applied cumulatively to the same transaction
- 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 (April 11, 2025) 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.
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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.
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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
- 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. 260528-011 (May.28.2026 ~ May. 27. 2027)
- Reviewed by the Credit Finance Association as No. 2026-C1h-05016 (March 31, 2026 to March 30, 2027)
Annual Fee
- Domestic & International Use (Visa Platinum/Amex Platinum) KRW 30,000
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(Basic Annual Fee KRW 10,000 + Partnership Annual Fee KRW 20,000)
Family Card KRW 10,000 (Basic KRW 0 + Partnership KRW 10,000)
- Domestic-Use-Only KRW 30,000
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(Basic Annual Fee KRW 10,000 + Partnership Annual Fee KRW 20,000)
Family Card KRW 10,000 (Basic KRW 0 + Partnership KRW 10,000)
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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
기본 플레이트
폴딩된 "SAVE"의 타이포그래피와 강렬한 "X" 조합으로, 'X Save'의 부드럽고 세련됨을 볼드하게 표현한 실버 메탈 컬러의 디자인입니다.
폴딩된 "SAVE"의 타이포그래피와 강렬한 "X" 조합으로, 'X Save'의 부드럽고 세련됨을 볼드하게 표현한 퍼플 라벤더 컬러 조합의 디자인입니다.
폴딩된 "SAVE"의 타이포그래피와 강렬한 "X" 조합으로, 'X Save'의 부드럽고 세련됨을 볼드하게 표현한 핑크 버건디 컬러 조합의 디자인입니다.
유의사항
- 본인 회원 신청 시 제공되며, 발급 수수료 10만원 별도 부과(재발급 및 갱신 시 동일 적용)
- 국내외겸용(Visa Platinum) 카드 신청 시 발급 가능
- 일부 ATM 기기에서 이용 불가
- 메탈 플레이트 특성상 수작업으로 제작되어 신청일로부터 발급까지 평균 3주 내외 소요(플레이트 수급 상황에 따라 소요 기간은 달라질 수 있음)
- 본인 카드 기본 플레이트와 유효 기간이 동일하며, 기본 플레이트 해지 시 메탈 플레이트도 동시 해지
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
- 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
- The discount on overseas spending apply only to cards for both domestic and international use
- 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
Earn a 5% statement credit across e-commerce, education, and hospitals if the previous month’s total spending was KRW 1,000,000 or more
- Capped at KRW 10,000 per month across all eligible merchants (combined spending of primary and family cards, the Basic Benefit discount rate will automatically apply once the cap is reached)
- For newly issued cards, this benefit is provided without meeting the previous month’s spending requirement of KRW 1,000,000 until the end of the month following the month you register the receipt of your card
Eligible Merchants
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E-CommerceNaver Plus Store, Coupang, Kurly
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EducationPrivate academies and private kindergartens
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HospitalsHospitals and pharmacies
Please Note
- The Extra Benefit applies to payments made only at domestic merchants (overseas merchants are eligible for the Basic Benefit)
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E-commerce: To receive the Extra Benefit, payments must be made directly through the eligible merchant’s official website or mobile app. Purchases made on third-party websites or apps accessed via redirected links will only receive the Basic Benefit
- Naver Plus Store: Only purchases made at merchants verifiable through the Naver domain (naver.com) are eligible for the Extra Benefit
- Coupang: Coupang Eats transactions are eligible for the Basic Benefit applied to general domestic/international merchants
- Hospitals: Veterinary clinics and medical supply stores are eligible for the Basic Benefit applied to general domestic/international merchants
- When the Extra Benefit is applied, the Basic Benefit will not be applied cumulatively
- Discounts are applied based on the order in which the transaction is posted to Hyundai Card, rather than the chronological order of the actual purchase
- If a transaction that earned a benefit or extra rate is canceled, purchases in that same month that did not earn the benefit rate because the cap had already been reached will retroactively earn the benefit, to be credited around the 15th of the following month (up to the restored cap limit)
- Transactions processed under a separate merchant number (simple payment, payment gateways, or self-service kiosks) are eligible for the Basic Benefit applied to general domestic/international merchants
Common Guidelines for Basic & Extra Benefits
- Benefits are not provided if your previous month’s spending was less than the required amount
- All merchants are subject to Hyundai Card’s merchant registration and classification standards
- For more details on the benefit eligibility criteria, please refer to the below “Benefit Eligibility” section
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Previous Month's 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 Save (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 (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 Previous Month's Spending Calculation
- Long-term card loans (Card Loan), short-term card loans (Cash Advance), annual fees, other card fees, and interest payments
- International brand fee 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 Hyundai Card X Save are included. Payments made with other cards do not count toward the spending requirement
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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, TV reception fees, city gas bills, apartment building maintenance fees, real estate rental fees (monthly rent), and fees for using automatic payment services
- 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
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Other Notices
- Transactions are initially billed at the full purchase amount. The earned statement discount will then be calculated and automatically applied on your designated payment date
- 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
Emergency Discount (Upfront Point Service)
- Receive an immediate cash-value discount of up to 500,000 and pay back later using the discount benefits earned from your card spending
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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 Save spending
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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 Save, 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”
- Please use the Emergency Discount (upfront point service) program responsibly. This is not a complimentary discount, but a financial obligation that must be repaid
Emergency Discount Repayment Example
- A Hyundai Card X Save cardholder receives a KRW 500,000 worth of Emergency Discount advance to be repaid over a 24-month period
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Basic Benefit(1% Discount Rate), Monthly Spending KRW 1,100,000
- Amount Repaid(Month) 11,000
- Amount Repaid(24 Months) 132,000
- Accumulated Amount Repaid(24 Months) 264,000
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Extra Benefit(5% Discount Rate), Monthly Spending KRW 200,000
- Amount Repaid(Month) 10,000
- Amount Repaid(24 Months) 120,000
- Accumulated Amount Repaid(24 Months) 240,000
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Total, Monthly Spending KRW 1,300,000
- Amount Repaid(Month) 21,000
- Amount Repaid(24 Months) 252,000
- Accumulated Amount Repaid(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 in the “Basic Benefit” and “Extra Benefit” sections of the Product Guide
Metal Plate
Available in a metal option
Please Note
- The metal plate is available to primary cardholders upon application. A KRW 100,000 issuance fee will be billed separately (Also applies to card reissuance and renewal)
- Available for cards for both domestic and international use (Visa Platinum)
- Certain ATMs may not accept metal cards
- Because metal plates are individually handcrafted, issuance takes an average of 3 week from the date of application (Processing times may vary based on material availability)
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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
- 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
- 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
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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
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
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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