The KB Kookmin Easy On Card is designed for daily users who want simple rewards. It offers flexible benefits through either cashback or Pointree point systems.
The application is available online or in person, with clear steps and low entry barriers. This article explains everything you need to know to apply and maximize your benefits.
Understand the Card’s Main Features and Purpose
This card is a versatile choice for frequent shoppers and commuters. It provides reward flexibility based on your lifestyle.
You can choose between a fixed rate on all purchases or higher rates in select categories. The application process is user-friendly and suited for most credit profiles.
Choose Your Reward Option
You can select one of two reward programs that best match your spending style. Each has its pros depending on how and where you shop.
Option 1: Pointree Rewards
This reward type is ideal for users who frequently shop across multiple categories. It automatically tracks and credits points based on spending habits.
- Earn 0.7% Pointree on all general purchases.
- Get 3.7% Pointree at your top 2 spending categories each month.
- Redeem points through the Pointree store or convert into credit.
- Pointree applies automatically if selected as your benefit.
Option 2: Cashback
This option is best if you prefer savings directly on your bill. Cashback rewards are applied as a monthly statement credit after eligibility is confirmed.
- Earn 0.7% cashback on all eligible purchases.
- Get 5.7% cashback on your top 2 spending categories monthly.
- Cashback is credited as a statement discount.
- Requires meeting minimum spending for maximum return.
Where You Earn Higher Rewards?
Reward rates rise for purchases made in select categories. You should prioritize these areas monthly.
Eligible High-Reward Categories
These categories help you earn higher rewards based on your lifestyle. Choose where to spend wisely to maximize returns.
- Hypermarkets: E-Mart, Lotte Mart, Homeplus.
- Convenience stores: CU, GS25, 7-Eleven.
- Coffee shops: Starbucks, Angelinus, Twosome Place.
- Gas and LPG stations.
- Hagwons (private academies), barbers, and hair salons.
- Apartment maintenance fees and mobile phone bills (SKT, KT, U+).
Know Your Monthly Reward Limits
Your previous month’s spending determines the cap on rewards. Reaching higher thresholds lets you unlock more savings.
- Under 500,000 KRW: No rewards issued.
- 500,000–1,000,000 KRW: 10,000 KRW monthly cap.
- Above 1,000,000 KRW: 20,000 KRW monthly cap.
- Pointree or cashback will not exceed this set limit.
- You must meet spending conditions each cycle to stay eligible.
Understand What Doesn’t Earn Rewards
Certain types of transactions are excluded from reward calculations. These include both purchases and charges.
- Cash advance, card loans, ATM withdrawals.
- Foreign transaction fees, annual service fees.
- Cancelled or refunded purchases.
- Utility payments, tax payments, tuition, public transport.
- Gift cards, prepaid cards, and government subsidy use.
Breakdown of Interest Rates and Fees
Before applying, understand the card's fees. This helps you plan and avoid unexpected costs.
- Annual fee: 15,000 KRW (both Mastercard and JCB).
- Foreign transaction fees:
- Mastercard: 1% + 0.25%.
- JCB: 0.5% + 0.25%.
- Interest applies if you carry a balance beyond the grace period.
- Rewards may not offset costs if usage is low or inconsistent.
Applying Online: Fast and Convenient
Most users prefer the digital process for speed and ease. You can complete everything from your smartphone or computer.
Steps to Apply Online
Online applications are fast and available to all KB clients. Follow these steps to get started quickly from your home.
- Go to KB Card official website and select Easy On Card.
- Log in using your KB credentials or register for a new account.
- Fill in your application form with personal and financial details.
- Upload identification and verification documents.
- Select your preferred reward option before submitting.
- Wait for approval confirmation and delivery instructions.
Applying In Person at a Branch
You can also apply at a KB Kookmin Bank or Card branch. This option is useful for those who prefer face-to-face assistance.
In-Branch Application Guide
Visit a local branch if you need assistance or prefer paper forms. Staff members can help you complete each step confidently.
- Visit a nearby KB location with a valid ID and any other required documentation.
- Ask for assistance with applying for the Easy On Card.
- Fill out the paper application or tablet form.
- Provide income verification if needed.
- Choose either the Pointree or Cashback benefit.
- Receive card issuance confirmation and delivery timeline.
Maximize Your Rewards Usage
Once approved, focus on how to use the card effectively. Optimizing usage helps you earn more each month.
- Spend at least 500,000 KRW monthly to unlock rewards.
- Concentrate purchases in top-earning categories.
- Regularly check your Pointree balance or cashback status.
- Use the KB Card app for real-time updates and redemptions.
- Set up autopayments for phone bills and utilities where eligible.
Monitor Your Reward Activity Easily
You can track your usage and earnings through KB's digital tools. Staying informed avoids missed opportunities.
- Use the KB Card mobile app or website to view spending.
- Track your top 2 categories that qualify each month.
- View pending and earned rewards in your account dashboard.
- Statement credit cashback appears automatically.
- Pointree points are redeemable through the Pointree portal.
Customer Support and Contact Details
If you need help, KB offers multiple support channels. Use these if you face issues or have application questions.
- Customer service: Call 1588-1688 (domestic calls).
- Website
- Branches: Visit a local KB Kookmin branch for assistance.
- Prepare your card number or personal ID when calling.
- The online help center also includes FAQs and live chat.
Important Disclaimers
Information provided here is subject to change over time. Always refer to the official KB Kookmin Card website for the most accurate and updated terms. Benefits, rates, and exclusions may be revised without prior notice.
Final Thoughts: Apply Smart, Spend Smart
The KB Kookmin Easy On Card is an efficient financial tool with flexible perks. Choose between cashback or Pointree depending on how you shop.
Meet the spending threshold to maximize value monthly. Apply today with confidence, and start making every purchase work for you.
