Understanding the process and requirements for requesting a KEB Hana Card ensures a smooth application. This article explains the steps, eligibility, and key details to apply successfully.
Knowing the terms, fees, and benefits helps you make an informed decision. Follow this guide to avoid delays and choose the right card for your needs.
KEB Hana Bank and Its Credit Cards
KEB Hana Bank is one of South Korea’s major financial institutions. It provides various banking services, including credit cards, for different financial needs.
Many people use its cards for everyday spending and travel benefits. The bank offers options for different income levels and credit histories.
Security features and digital banking tools help manage accounts easily. Understanding the application process ensures a smoother experience.
Who Can Apply?
KEB Hana Bank has specific requirements for credit card applications. You must meet age and income criteria to qualify.
Age and Income Rules
Applicants must be at least 19 years old to apply. A stable monthly income is required, but the amount depends on the card type.
Some premium cards need higher earnings for approval. Credit history also affects eligibility, especially for higher-tier options.
Students and part-time workers may need a co-signer or extra documents. Meeting these rules improves approval chances.
Documents Needed for Application
To apply, you must provide official documents confirming your identity and income. Make sure everything is up to date.
- Identification – A valid passport or national ID.
- Proof of Income – Recent pay slips, tax records, or a bank statement.
- Employment Verification – A letter from your employer or a work contract.
- Residence Proof – Utility bills, rental agreements, or official documents with your home address.
- Additional Documents – Self-employed individuals may need business registration papers or tax forms.
Types of KEB Hana Cards
It provides different credit and check cards for daily use and premium benefits. Each card has unique features suited to specific needs.
Overview of Different Card Options
The bank offers both credit and debit cards with various benefits. Here are the available options:
- Hana Members 1Q Daily – A general-purpose card for frequent transactions.
- Hana Members 1Q Check Card (Debit Card) – A debit card linked directly to your bank account.
- VIVA G Platinum Check Card (Debit Card) – A premium debit card with added perks.
Benefits and Specific Features of Each Type
Each card offers specific advantages depending on spending habits:
- Hana Members 1Q Daily – Designed for everyday expenses and frequent purchases.
- Hana Members 1Q Check Card – Provides direct access to funds without credit limits.
- VIVA G Platinum Check Card – Includes premium features such as extra discounts or benefits.
Step-By-Step Application Process
Applying for a card requires meeting eligibility criteria and submitting documents. The process can be completed online or in person.
How to Apply Online?
Online applications are simple and require digital verification. Follow these steps:
- Go to the official website and select the card application section.
- Log in using your bank credentials or create a new account.
- Pick a card based on your financial needs.
- Upload necessary documents for verification.
- Review and apply for processing.
Applying in Person: Branch Locations and Process
Visiting a branch allows for direct assistance during the application. Bring a valid ID and proof of income for verification.
Bank staff will check the documents and guide you through the process. Some branches may require an appointment, so checking beforehand is recommended.
Once submitted, the application goes through a review process. Approval times vary, depending on the card type and financial details.
Interest Rates and Fees
Each card has specific fees that affect usage. Knowing the interest rates and charges helps you manage costs.
Interest Rates for Purchases, Cash Advances, and Balance Transfers
Credit cards may charge different interest rates based on the type of transaction. Purchases generally have a fixed rate, while cash advances often come with higher interest.
Some cards allow balance transfers, but they may include extra fees. Debit cards do not have interest rates since they use funds directly from the account.
Hana Members 1Q Daily is a credit card, so interest applies to unpaid balances. Understanding these charges helps avoid unexpected costs.
Annual Fees, Late Payment Fees, and Other Charges
Each card has its own annual fee structure. Hana Members 1Q Daily charges 8,000 KRW for domestic use and 10,000 KRW for international use.
The Hana Members 1Q Check Card and VIVA G Platinum Check Card have no annual fee. Late payments on credit cards may result in penalty fees and higher interest.
Some debit cards may have foreign transaction fees for overseas spending. Checking all fees before applying helps with budgeting.
Benefits and Rewards
Each card offers different benefits depending on usage. Rewards and perks can help reduce expenses.
Reward Points System
The Hana Members 1Q Daily Card allows users to earn points on purchases. These points can be used for discounts, cashback, or partner deals.
Debit cards, like the 1Q Check Card and VIVA G Platinum Check Card, do not offer rewards but provide direct spending convenience. Some cards may have bonus point offers on specific spending categories.
Accumulated points can be redeemed through the bank’s rewards program. Knowing how to use rewards can help maximize savings.
Additional Benefits: Insurance, Discounts, and Promotions
Some cards offer extra perks like insurance and discounts. The Hana Members 1Q Daily Card may include limited travel insurance.
VIVA G Platinum Check Card provides cashback benefits for select transactions. Some cards offer discounts on shopping, dining, and travel.
Quick application service is available during business hours, with ARS services for weekends. Reviewing the benefits before applying ensures the card matches your needs.
Customer Service and Support
Contact the Hana Card Customer Center at 1544-3500 (Domestic) or 82-1544-3500 (Overseas) for assistance. Support is also available through mail consultation and online services.
Quick Recap: How to Request a KEB Hana Card?
Understanding the application process ensures a smoother experience. Applicants must meet age and income requirements and submit proper documents.
Cards have different fees, benefits, and eligibility rules. Choosing the right option depends on one’s personal financial needs and spending habits.
Disclaimer: Information about fees, eligibility, and benefits may change at any time. Contact the bank for the latest details before applying.