26년 11월 카드 발급 캐시백 이벤트 총정리 / 카통법 진짜에요?

November Card-Issuance Cashback Offers

The video reviews credit- and debit-card sign-up promotions. These are spending-based rewards, not investment products. Deadlines below are the dates stated in the subtitles.

Credit Cards

Card / promotion source Spend requirement and deadline Stated reward Main conditions and cautions Samsung Card Spend at least ₩300,000 after applying ₩220,000 cashback plus ₩30,000 in E-Mart/Shinsegae mobile products Ineligible if you received Samsung Card benefits since January 2022. The presenter warns that using the card within a year of receiving the benefit may require repayment; check the event terms. Hyundai Card Spend at least ₩300,000 by December 31 ₩230,000 cashback Must apply for a Visa card and register it in the app. Ineligible if you received benefits in the prior year. A one-year card-use restriction is also mentioned. BC Baro Card (via Card Gorilla) Spend at least ₩250,000 by December 31 ₩230,000 refund, plus a stated ₩15,000 extra reward The refund is deposited to an account upon request. Ineligible if you received BC Baro Card benefits since 2021. The subtitles warn of a one-year card-cancellation or repayment condition. The card is described as a K Bank Hidden Card, requiring a K Bank account. IBK / Industrial Bank of Korea (via Bankseller) Spend ₩200,000 by December 31 ₩120,000 At least ₩10,000 of spending must be through a simple-payment service. Agree to marketing terms; an IBK payment account adds ₩10,000. Ineligible if you received benefits in the past two years. A one-year cancellation or repayment warning applies. NH Nonghyup Card Issue by December 30 and spend at least ₩160,000 ₩150,000 cashback An additional ₩10,000 cashback is offered for spending at least ₩50,000 from December 1–10, with at least ₩1 paid through NH Pay. Marketing consent adds ₩5,000. Ineligible if you received Nonghyup Card benefits after April 1, 2023. A one-year card condition is noted. KB Kookmin Card (via Kakao Pay) Spend at least ₩250,000 by December 15 ₩190,000 cashback, plus ₩30,000 for marketing consent At least ₩10,000 of qualifying spending must be through KB Pay. Ineligible if you received benefits in the past year. A one-year card-use or cancellation warning is mentioned. Lotte Card (via Kakao Pay) Spend at least ₩300,000 by December 10 ₩210,000 cashback, plus a stated ₩10,000 extra reward The offer requires the Max card, not a Mastercard or Visa version. Ineligible if you received Lotte Card benefits in the past year. A one-year card condition is noted. Shinhan Card (via Kakao Pay) Spend at least ₩280,000 by December 31 ₩220,000 cashback Ineligible if you received Shinhan Card benefits since 2022. A one-year card condition is noted. Shinhan Card (via Naver Pay) Spend ₩250,000 by December 31 ₩190,000 in Naver Points, plus ₩30,000 in points for issuing a Visa card The presenter describes this as an alternative to the Kakao Pay Shinhan offer, not an offer to combine with it. Hana Card (via Kakao Pay) Make at least ₩350,000 in installment payments through simple payment ₩150,000 cashback plus a ₩50,000 Kakao Pay coupon—₩200,000 stated total value Installment payment is required; a lump-sum payment does not qualify. Ineligible if you received Hana Card benefits since January 2024. A one-year cancellation or repayment warning applies. A further ₩10,000 reward is mentioned, but the exact qualifying action is unclear in the subtitles.

Debit Cards

• KB Kookmin check card via Payco: New cardholders who spend at least ₩45,000 by December 10 receive ₩5,000 in Payco points. The presenter says certain KB check-card options may be more advantageous, but the card names are unclear in the subtitles.
• Shinhan check card: The subtitles mention applying by December 30 and spending at least ₩10,000 by December 10 for ₩5,000 in HeyCoin points, with an additional ₩5,000 for using a transit-card function. They also state that signing up for a particular Shinhan card could bring the total to ₩20,000; the exact product and conditions are unclear.

Participation Framework and Cautions

• Apply through the promotion’s specified page or app, then meet the stated spending and payment-method requirements before the deadline.
• Check requirements such as card network, app registration, simple-payment or card-wallet usage, marketing consent, and eligible spending.
• The presenter recommends contacting the card issuer’s customer center before and after applying to confirm that event enrollment was recorded.
• Several offers exclude recent card-benefit recipients and warn that cancelling or using the card within one year may lead to repayment. Confirm each promotion’s exact terms; the subtitles are unclear about some restrictions.

Disclaimer

The creator says the events are not an invitation to participate; participation is at the viewer’s discretion. The events are unrelated to the creator and may change or end. Errors or updates may be posted on the channel’s community board or in pinned comments. No explicit “not financial advice” statement appears in the subtitles.

Presenter/source: The presenter is not named; the video is from 정가거부. Promotion sources cited include Samsung Card, Card Gorilla, Bankseller, Kakao Pay, Naver Pay, and Payco.