Hyundai Card cards in Visa, Amex or domestic versions: compare fees, points, annual vouchers and lounges for the Korean market.
This comparison examines 6 cards in South Korea, among them Hyundai ZERO Edition3 (points), Hyundai MM, Hyundai Summit CE, Hyundai the Green Edition4, across the Visa networks. Three things genuinely separate one card from another, and the annual fee is only the first: next come the bundled insurances, trip cancellation, medical cover abroad, baggage, purchase protection, whose value often exceeds the fee as soon as you travel, and foreign exchange charges, which quietly cost 2 to 3 per cent of every purchase in another currency with traditional issuers and nothing at all with the neobanks. Payment and withdrawal limits matter too, and they are negotiable. The table compares them line by line, without an overall score: the right card for a frequent traveller is not the right card for someone who rarely leaves home. Anyone going abroad twice a year usually saves more with a no-foreign-fee card than a premium card's insurance ever returns in claims.
Select 2 to 4 cards to compare side by side.
Visa
| Criteria | Hyundai ZERO Edition3 (points) Standard | Hyundai Summit CE Premium | Hyundai the Green Edition4 Premium |
|---|---|---|---|
Annual Fee | ₩15,000/year | ₩80,000/year | ₩200,000/year |
Payment Limit/month | Within credit limit | Within credit limit | Within credit limit |
Withdrawal Limit | Within credit limit | Within credit limit | Within credit limit |
Travel Insurance (Medical) | Not stated | Not stated | Not stated |
Trip Cancellation Insurance | Not stated | Not stated | Not stated |
Baggage Insurance | Not stated | Not stated | Not stated |
Purchase Protection | Not stated | Not stated | Not stated |
Car Rental Insurance | Not stated | Not stated | Not stated |
Concierge Service | Not stated | Not stated | Not stated |
Airport Lounge Access | Not stated | Not stated | Free airport lounges and valet parking |
Cashback / Rewards | 1.2% M Points at all merchants, in Korea and abroad, no spending conditions | 1.5% everywhere, 5% on education, hospitals, travel and golf; ₩50,000 credits | 5% on travel, overseas and dining |
International Acceptance | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) |
Overview of all cards. Scroll horizontally on mobile.
| Criteria | Hyundai ZERO Edition3 (points) Standard | Hyundai MM Standard | Hyundai Summit CE Premium | Hyundai the Green Edition4 Premium | Hyundai the Red Premium+ | Hyundai the Purple Premium+ |
|---|---|---|---|---|---|---|
Annual Fee | ₩15,000/year | ₩70,000/year | ₩80,000/year | ₩200,000/year | ₩300,000/year | ₩1,000,000/year |
Payment Limit/month | Within credit limit | Within credit limit | Within credit limit | Within credit limit | Within credit limit | Within credit limit |
Withdrawal Limit | Within credit limit | Within credit limit | Within credit limit | Within credit limit | Within credit limit | Within credit limit |
Travel Insurance (Medical) | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Trip Cancellation Insurance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Baggage Insurance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Purchase Protection | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Car Rental Insurance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Concierge Service | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Airport Lounge Access | Not stated | Not stated | Not stated | Free airport lounges and valet parking | Free airport lounges and valet parking | Free airport lounges and valet parking |
Cashback / Rewards | 1.2% M Points at all merchants, in Korea and abroad, no spending conditions | M Points earning (M programme) | 1.5% everywhere, 5% on education, hospitals, travel and golf; ₩50,000 credits | 5% on travel, overseas and dining | M Points or air miles | Not stated |
International Acceptance | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) | Wide (Visa or Amex of your choice, or domestic-only card) |
Explore details for each type of coverage and service.
| Card | Travel Insurance (Medical) | Trip Cancellation Insurance | Baggage Insurance | Car Rental Insurance |
|---|---|---|---|---|
Hyundai ZERO Edition3 (points) | Not stated | Not stated | Not stated | Not stated |
Hyundai MM | Not stated | Not stated | Not stated | Not stated |
Hyundai Summit CE | Not stated | Not stated | Not stated | Not stated |
Hyundai the Green Edition4 | Not stated | Not stated | Not stated | Not stated |
Hyundai the Red | Not stated | Not stated | Not stated | Not stated |
Hyundai the Purple | Not stated | Not stated | Not stated | Not stated |
* Cover depends on each card's terms; "Not stated" means the issuer does not mention it on its product page.
Our recommendations based on your usage profile.
You travel often and want lounges and travel rewards.
₩200,000 a year: ₩150,000 annual voucher, 5% on travel, overseas and dining, free airport lounges. The Red (₩300,000): ₩300,000 voucher and a choice of M Points or miles.
You want a low-cost card with no spending conditions.
₩15,000 a year and 1.2% M Points everywhere, in Korea and abroad, with no spending threshold. MM (₩70,000) for those who want to earn more M Points.
You spend a lot on education, healthcare or travel.
₩80,000 a year: 5% on education, hospitals, travel and golf, 1.5% elsewhere and ₩50,000 of credits.
You want a luxury card.
₩1,000,000 a year, free lounges and valet. The Red (₩300,000) provides an annual voucher equal to its fee: a better pick if you use the voucher.
A check card (체크카드) debits the account immediately; a credit card usually offers more rewards. For tax, the income deduction (소득공제) is 15% for credit card spending and 30% for check cards, above a threshold of 25% of income.
Collected in October 2026: ZERO Edition3 ₩15,000, MM ₩70,000, Summit CE ₩80,000, the Green Edition4 ₩200,000, the Red ₩300,000, the Purple ₩1,000,000 a year. The fee is the same for the Visa, Amex or domestic version.
Hyundai Card's premium cards offer an annual voucher (₩150,000 for the Green Edition4, ₩300,000 for the Red) and free lounges. They pay off if you actually use the voucher and benefits.
Always pay in the local currency and decline conversion into won offered by the terminal or ATM (dynamic currency conversion, DCC), which adds fees.
Yes, the KDIC protects deposits up to ₩100 million per person per bank since 1 September 2025.
South Korea is one of the world's most advanced card markets, and card payment dominates. Banks (KB Kookmin, Shinhan, Hana, Woori) and specialist card companies (Samsung Card, Hyundai Card, Lotte Card) share the market, while Kakao Bank and Toss have transformed mobile banking. Cards often come in a Visa, Amex or domestic-only version.
Koreans often hold several cards. The state encourages card payment through an income deduction (소득공제): 15% of credit card spending and 30% of check card spending, above 25% of income. Card companies compete with points programmes, such as Hyundai Card's M Points (1.2% everywhere with the ZERO Edition3).
Korean cards fall into 체크카드 (check cards, immediate debit) and 신용카드 (credit cards). Premium credit cards such as the Hyundai the Green Edition4 (₩200,000 a year) or the Red (₩300,000) offer an annual voucher, airport lounges and valet parking. Entry-level cards such as the ZERO Edition3 focus on simple earning with no spending conditions.
At Hyundai Card, annual fees collected in October 2026 range from ₩15,000 (ZERO Edition3) to ₩1,000,000 (the Purple), and ₩3,000,000 for the invitation-only the Black. Overseas fees depend on the network and issuer. Revolving payment carries high interest. The KDIC protects deposits up to ₩100 million since September 2025, and the FSS supervises the sector.
For a South Korean resident, first choose between a check card and a credit card based on your habits and the tax benefit. For simple use, a low-fee card with flat earning (ZERO Edition3, 1.2%) avoids spending conditions. Frequent travellers should weigh premium card fees against the annual voucher and lounges they provide. Always pay the balance in full.
* Fees collected in October 2026 from Hyundai Card's official page. They may change: check with the issuer before applying. Deposits protected by the KDIC up to ₩100 million. Supervised by the FSS.