1.2% statement credit on all domestic and overseas purchases

- The total spending in the previous month must have been at least KRW 500,000 to be eligible for this discount.
- The discount applies to spending of up to KRW 3,000,000 per month.(maximum discount : KRW 36,000 per month)
- Overseas transactions may incur additional fees. Please refer to “Overseas Usage Guide” for details.

Up to KRW 15,000 statement credit based on quarterly spending

- Must spend at least KRW 100,000 each month within the quarter to qualify.
- The discount amount will be calculated in the first month of the following quarter (January, April, July, October) based on quarterly spending and applied as a statement credit in the following billing month.
※ Overseas transactions may incur additional fees. Please refer to “Overseas Usage Guide” for details.
※ For details on how quarterly spending is calculated, see “Spending Calculation Method."

[Example of Quarterly Additional Discounts]

① After receiving the card on April 10, the user spends KRW 3,000,000 or more between April and June and at least KRW 100,000 per month. 
⇒ The user has satisfied the spending requirement and other conditions in the second quarter (April to June) and is eligible for a KRW 5,000 discount.
② After receiving the card on June 10, the user spends KRW 3,000,000 or more in June.
⇒ The user has satisfied the spending requirement for the second quarter but not the condition to “spend at least KRW 100,000 each month within the quarter,” so a discount will not be provided

Discount Guidelines
- Excluded Transactions: Interest-free installment payments, use of government subsidies (childcare subsidy, kindergarten subsidy, vouchers, etc.), payments of university (graduate school) tuition, national and local taxes, public utility bills (public charges),* purchases of gift certificates (including mobile gift certificates on KakaoTalk), prepaid cards (points, cyber money, game money, and other electronic payment methods), gift card (incl. reloading), transportation card (incl. mobile transportation card), payments of express bus fare (onboard terminals and express bus app payments), apartment maintenance fees (including rent), various fees and interest charges, annual fees, short-term card loans (cash advances), and long-term card loans (card loans), cancelled transactions, new car purchases, purchases at online pharmaceutical stores and pharmaceutical merchants, and any transactions for which benefits have already been received from Woori Card promotional events (refer to the specific terms and conditions of each promotion event,as they may differ).
* Public utility (public charge) payments include : National Health Insurance, National Pension, Employment Insurance, Workers’ Compensation Insurance, electricity bills, postage,city gas,water and sewagecharges,fines,penalties,passport issuance fees, and payments made to national/public institutions or organizations (incl. local governments).
※ The classification of eligible and excluded merchants/categories for discounts is based on the information registered in the Woori Card system

Spending Calculation Method
- The previous month’s spending for a “basic discount” is calculated from the first to the last day of the previous month (based on the transaction approval date). The quarterly spending for a “quarterly additional discount”* is calculated over the 3 months from the first month to the last month of the quarter, including the month of card issuance (based on the transaction approval date). This applies to purchases made at both domestic and overseas merchants. For amounts spent at overseas merchants, on transportation cards, and for automated telecommunications bill payments, the spending is applied based on the date the transaction slip is received.
* Quarters: First quarter (Jan. to March), second quarter (April to June), third quarter (July to Sept.), and fourth quarter (Oct. to Dec.)
- Interest-free installment payments, use of government subsidies (childcare subsidy, kindergarten subsidy, vouchers, etc.), payments of university (graduate school) tuition, national and local taxes, public utility bills (public charges),* purchases of gift certificates (including mobile gift certificates on KakaoTalk), prepaid cards (points, cyber money, game money, and other electronic payment methods), gift card (incl. reloading), transportation card (incl. mobile transportation card), payments of express bus fare (onboard terminals and express bus app payments), apartment maintenance fees (including rent), various fees and interest charges, annual fees, short-term card loans (cash advances), and long-term card loans (card loans), cancelled transactions, new car purchases,purchases at online pharmaceutical stores and pharmaceutical merchants are not counted toward monthly and quarterly spending amounts.
* Public utility (public charge) payments include: National Health Insurance, National Pension, Employment Insurance, Workers’ Compensation Insurance, electricity bills, postage, city gas, water and sewage charges, fines, penalties, passport issuance fees, and payments made to national/public institutions or organizations (incl. local governments)
- The monthly discount limit for the “basic discount” is applied from the first to the last day of the current month based on the previous month’s spending. This service is applied in the order transactions (purchases) are processed.
- Cancelled transactions are deducted from the spending used for calculation on the day the cancellation is reported. (If the cancellation of a transaction at a domestic merchant is reported between the first and second of the month, the corresponding amount will be deducted from the previous month’s spending.)
Example) If a transaction made on January 31 is cancelled and the cancellation slip is received by the card issuer by February 2, the corresponding amount will be deducted from January’s spending. If it is received after February 2, it will be deducted from February’s spending.
- 'The basic discount' service is provided until the end of the following month based on the earlier of the card receipt date or the first usage date, even if the previous month’s spending condition is not met.

Family Card

- The annual fees for family cards are based on the fees of the respective primary card, and there is no limit to the number of family cards that can be issued.
- The monthly and quarterly spending requirements and discount limits for additional services provided for family cards are applied separately from those of the primary card.
- For year-end tax settlement purposes, the total amount of spending on family cards is counted as the spending of the primary cardholder (the person whose name appears on the front or back of the card). Please note that the annual income criteria follow the standards set by the National Tax Service.
- If the primary cardholder wishes to receive notifications about the family cardholder’s spending details, a request must be made through the Woori Card Customer Center (1588-9955).
- Billing statements for family cards will be sent to the address and by the method designated by the primary cardholder.
- In the event of changes in family status due to divorce, death, or legal separation, either the primary or family cardholder may suspend or cancel the family card by visiting a Woori Bank branch, contacting the Woori Card Customer Center (1588-9955), or using the Woori Card website or mobile app (Go to MY ▶ Manage My Cards ▶ Report Loss/Reissue/Cancel ▶Temporary Suspension/Cancellation or Card Cancellation)
- Failure to suspend or cancel a family card after a change in family status may result in unauthorized card usage, for which the primary cardholder will be held liable.
- The spending limit on a family card may be reduced at the primary cardholder’s request, or the card may be suspended or canceled without the family cardholder’s consent.

Product Launch Date and Changes to Additional Services
- Additional services such as discounts will be available to the users of this card without reduction or termination for at least three years from the initial launch date.
- However, the card issuer may modify the additional services in the following circumstances.
① The card issuer faces suspension of business operations, bankruptcy, or a business crisis.
② A partner company is forced to reduce or change an additional service due to suspension of business operations, bankruptcy, or a business crisis, and similar or equivalent services cannot be provided by another partner.
③ A partner company reduces or changes an additional service against the card issuer's wishes, and the card issuer provides an alternative service of equal value.
④ The additional services have been provided for at least three years and have significantly reduced the profitability of the product.
- If any additional services are changed, the card issuer will immediately notify customers about the reason for the change and the details. However, for item ④ above, customers will be notified monthly for six months before the change takes effect.
‐ At least two of the following methods will be used to notify customers: delivery in writing, mail or email, phone or fax, mobile text message, or other equivalent electronic communication methods.

Overseas Usage Guide

- In the case of overseas transactions (incl. transactions on overseas websites), the transaction amount in U.S. dollars (USD) is converted to Korean won (KRW) based on the first telegraphic transfer selling rate posted by Woori Bank on the date the transaction slip is received. The amount billed in KRW includes the international brand fee charged by the card network 
(Mastercard 1%) and the overseas service fee charged by Woori Card (0.3%).
- When withdrawing cash from an overseas ATM, the USD equivalent of the withdrawal amount is converted to KRW based on the first telegraphic transfer selling rate posted by Woori Bank at the time of withdrawal. The amount also includes the international brand fee (Mastercard 1%) and a $3 overseas ATM withdrawal fee per transaction.
- When paying in KRW overseas, additional fees may be charged for converting local currency to KRW. We recommend paying in local currency rather than KRW for overseas transactions. (Go to Woori Card website ▶ Usage Guide ▶ Overseas Usage Guide ▶ Overseas Usage Guide)
- How to block overseas transactions in KRW
MY ▶ Overseas Usage Settings ▶ Register/Unregister for Overseas Usage ▶ Suspend 
Overseas Usage ▶ Block Overseas Transactions in KRW
- Depending on the country, some merchants and ATMs may not support short-term card loans (cash advances). Please carry alternative payment methods.

- Calculation Method for Overseas Transaction Amounts

- Overseas Transaction    Amount Billed 

= (Transaction Amount in USD ×Telegraphic Transfer Selling Rate ①) + International Brand Fee ② + Overseas Service Fee ③

① Telegraphic Transfer Selling Rate : First Telegraphic Transfer Selling Rate Posted by Woori Bank on the Date of Transaction Slip Receipt

② International Brand Fee : (Transaction Amount in USD × International Brand Fee Rate : 1%) × Telegraphic Transfer Selling Rate
③ Overseas Service Fee : (Transaction Amount in USD × Overseas Service Fee Rate : 0.3%) × Telegraphic Transfer Selling Rate

- Transactions at certain overseas merchants may require you to enter your IC chip PIN. Please make sure you have registered an IC chip PIN before your departure.
- Some non-standard payment devices of overseas merchants and ATMs may require a six-digit PIN. Enter your four-digit card PIN + 00 to complete the transaction.

※ A contactless payment chip is embedded in the physical card, so it may be recognized by transportation payment devices, even if it is not a transportation card.
- No annual fee is charged for family cards.
- The annual fee is charged once a year based on the card issuance date.
- The annual fee (basic annual fee + partner’s annual fee) is charged separately for each card.
- If the cardholder cancels the card before its expiration date, the annual fee refund will be calculated on a pro-rata basis based on the date the member cancels the contract (from the date the card became available for use). However, costs incurred for card issuance and delivery (applicable only for the first year of membership) will be deducted from the refund amount. If a partner’s annual fee applies, costs associated with additional benefits or services provided through the partnership will also be deducted.
- The annual fee will be refunded within 10 business days from the date of contract termination. If the refund cannot be processed within 10 business days due to unavoidable circumstances, the refund will be made within 3 months from the termination date.