Shinhan Hi-Point Nano Card

Shinhan Hi-Point Nano JCB Card, Shinhan Hi-Point Nano LG Electronics Visa Card, Shinhan Hi-Point Nano PIFF MasterCard

BC Card’s Self-making Card is well known for its versatile and customizable reward and rebate system and has been a must-have among Korean credit card gurus. Now, Shinhan Card’s Hi-Point Nano Card is emerging to be one of the best customizable cards. It is based on the same company’s Hi-Point Card which is characterized with good reward rates going up to 5 per cent depending upon the previous month’s spending.

The annual fee varies with brand: domestic-only KRW 8,000; Visa, MasterCard or JCB KRW 10,000; Visa or MasterCard Platinum KRW 15,000.

Every point a card member earns with Hi-Point Nano Card is saved in his/her My Shinhan Point account. One My Shinhan Point worths KRW 1. Monthly reward from a Hi-Point Nano card cannot exceed 50,000 points.

A Hi-Point Nano card member is required to select one category (Choice ₅C₁) and three stores (Bonus ₅₀C₃) where, including the stores of Basic 3 category (Lotte Department Store, Hyundai Department Store, CJ O’Shopping) and overseas stores, the maximum reward rate is set to be 5 per cent. Elsewhere, the maximum reward rate is 2 per cent. The maximum reward rate is applicable only when the previous month’s total spending equals or exceeds KRW 1,500,000. The rate falls to 3.0 % and 1.5 % respectively for the previous month’s total spending equal to or greater than KRW 800,000; 2.0 % and 1.0 % respectively for KRW 500,000; 1.0 % and 0.5 % for KRW 200,000. The basic reward rate applicable when the previous month’s total spending is less than KRW 200,000, is 0.2 % for both the selected stores and elsewhere.

The list of stores of each Choice ₅C₁ category is as below:

• Online Stores: G Market, Auction, GS Home Shopping, Hyundai Home Shopping, Lotte Home Shopping, Interpark, Yes24, 11th Street, d&Shop.
• Educational Institutes and Hagwon: kindergarten, hagwon, language institutes.
• Hospitals, Clinics, Drugstores: hospitals, clinics, community health centres, veterinary hospitals, drugstores. (oriental clinics and dental clinics excluded)
• Hypermarkets: Lotte Mart, E-mart, Home Plus.
• Cellular Phone Bills: SK Telecom, KT, LG Telecom. (automatic transfers only)

The Bonus ₅₀C₃ set:

• Shopping: Galleria Department Store, AK Plaza Department Store, Newcore Department Store, I-Park Department Store, Daegu Department Store, Daewoo Department Store, Say Department Store, Yawoori Department Store, Grand Department Store, Nonghyup Hanaro Club, Kims Mart, Mega Mart, Top Mart, JDC Duty Free, Lotte Duty Free, Shilla Duty Free, AK Duty Free, W-Mall, Entersix, 2001 Outlet, Sejung Outlet, HiMart, LG Electoronics.
• On-line Stores and Home Shopping: G Market, Auction, Interpark, 11th Street, Yes24, GS Home Shopping, Hyundai Home Shopping, Lotte Home Shopping, NS Home Shopping. (none of these stores can be selected when the Online Stores category is chosen in Bonus ₅₀C₃)
• Bakehouses, Cafés, Coffeehouse: Paris Baguette, Tous Les Jours, Dunkin Donuts, Starbucks, The Coffee Bean and Tea Leaf.
• Transport: Jeju Air, Jin Air, bus, metro, KTX.
• Educational Institues and Hagwon: Woongjin ThinkBig, YBM Language Institute, Megastudy, Hansol Education, Kyowon Kumon.
• Bookstores: Bandi and Luni’s, Youngpoong Bookstore, Kyobo Book Centre.
• Miscellaneous: Shinhan Card Culture/Travel

KRW 60 rebate is given in My Shinhan Point for every litre bought at Hyundai Oilbank and S-Oil gas stations. LPG stations are not eligible for this.