The KB Kookmin Easy On Card is a practical choice for everyday spending. This guide will help you understand the rewards, conditions, and how to apply.
The card provides flexible options tailored to your purchase behavior. Learn how to get started and make the most of the benefits.
What Is the KB Kookmin Easy On Card?
The KB Kookmin Easy On Card is issued by KB Kookmin Bank in South Korea. It supports Mastercard and JCB networks with global usability.
The card is designed to offer cashback or Pointree rewards depending on your selection. It allows customers to tailor their rewards based on spending habits.
Perks and Reward Options
This card offers reward flexibility across four options. Each option serves a specific spending pattern.
0.7% Pointree on All Purchases
This is a basic reward option offering 0.7% Pointree on all purchases. It works across most categories without extra setup.
However, rewards are not given for certain transactions. These include utility bills, school fees, and ATM withdrawals. It’s best suited for users seeking simplicity and consistency.
0.7% Cashback on All Purchases
Instead of Pointree, this option gives 0.7% cashback on eligible purchases. The cashback is applied as a statement credit.
Exclusions are the same as with the Pointree option. You must choose between cashback or Pointree when applying. This is useful if you want to offset your billing amount.
3.7% Pointree on Top 2 Categories
This tier offers higher rewards for category-specific purchases. You’ll get 3.7% Pointree in your top two eligible categories.
These include hypermarkets, convenience stores, coffee shops, gas stations, and barbers.
The monthly Pointree limit is 10,000 KRW or 20,000 KRW based on your total spend. This plan rewards focused spenders who use specific categories often.
5.7% Cashback on Top 2 Categories
This option provides 5.7% cashback for the two top categories. Cashback is credited monthly to your account.
It comes with the same list of non-eligible purchases. You need to spend in defined categories to benefit. This is ideal for consistent spending on daily necessities.
Interest Rates and Fees
Understanding the card's fees helps avoid surprises. There are differences between Mastercard and JCB networks.
- Annual fee: 15,000 KRW for either network
- Foreign transaction fee: 1% + 0.25% (Mastercard), 0.5% + 0.25% (JCB)
- No interest-free installment rewards
- Fee refunds only apply if not covered by a promotional waiver
The card does not provide rewards for government subsidies, tax payments, or canceled transactions.
Monthly Spending and Reward Limits
The card rewards are tied to your monthly spending. If you spend less, your reward cap is lower.
- Spending under 500,000 KRW: no bonus rewards
- Spending between 500,000 and 999,999 KRW: 10,000 KRW reward limit
- Spending over 1,000,000 KRW: 20,000 KRW reward limit
These limits apply only to category-based rewards. They do not affect the flat 0.7% options.
Eligibility Requirements
To apply, you must meet specific criteria. These requirements apply to both online and offline applications.
- Must be 20 years or older
- Korean residency and a valid national ID required
- Proof of income or employment may be requested
- Korean mobile number and banking access are mandatory
Students or part-timers may also qualify under simplified approval paths.
How to Apply Online?
The online application is fast and can be done using KB’s official website. You’ll need to provide personal documents and complete phone verification.
- Visit the official website.
- Sign in or create an account using your Korean ID
- Choose the Easy On Card and select your reward option
- Fill out personal details and verify with your mobile
- Upload documents (ID, proof of address if needed)
- Confirm and submit the application
Approval typically takes a few business days. The card is mailed to your address.
How to Apply at a Bank Branch?
Applying in person gives you access to staff guidance. Visit your nearest KB Kookmin Bank with valid documents.
- Bring your ID and proof of income
- Request an Easy On Card application form
- Select your reward type on the form
- Review terms and conditions with staff
- Submit and wait for review
Once approved, your card will arrive by courier or be available for pickup.
Delivery and Activation
After your application is approved, your card is processed. Delivery times vary by region.
You’ll receive the card within 5 to 7 business days. Activation can be done through:
- KB Star Banking app
- Customer service hotline
- KB Card website
You must activate the card before using it for payments or rewards.
Managing Your Card
You can manage rewards and limits through digital tools. KB offers an easy platform to track your spending.
Use the KB Star Banking mobile app or KBCard.com. There, you can:
- Check remaining rewards
- View eligible categories
- Redeem Pointree points
- Modify notification settings
You can’t switch reward types mid-term, so choose carefully when applying.
Exclusions and Restrictions
Certain transactions will not earn any rewards. These exclusions are critical to understand.
- Tax payments and public utility bills
- Electricity, water, and apartment maintenance
- School tuition, government subsidies
- Gift cards, ATM withdrawals, and in-flight purchases
Transactions made overseas may also be excluded if not properly coded.
Contact Information
For questions or assistance, you can contact KB Card directly. Support is available in Korean.
- Customer service: 1588-1688
- Website
- In-person help: Any KB Kookmin Bank branch during business hours
You may also use the mobile app for self-service features and live chat.
Disclaimer
The information above is based on the latest publicly available terms. Benefits and policies may change without notice. Please refer to the official KB Kookmin Card website for the most accurate details. Your eligibility and reward options may vary based on your profile and income level.
Get the Perks Instantly With the Right Card
The KB Kookmin Easy On Card gives you practical rewards for everyday life. Whether you prefer cashback or points, you’ll find an option that suits your routine.
You can apply online or in person, and start using the benefits soon after approval. Choose the reward style that fits your spending and enjoy instant perks.
