[KB Card Heritage Smart] The Strongest Korean Air Mileage Card in Existence! Effective Annual Fee of 50,000 KRW - Martina Gold Lounge Access Available. KB Pay Special Accumulation up to 4 Million KRW. Unlimited Overseas Special Accumulation.

Hello.

I’m Dr. Baek, a dentist who dreams of becoming a master of implants and a foodie.

At last, I opened my practice near Sinsa Station, and now I’ve found time to write credit card posts again. Haha.

Let me share the news of my clinic opening with my readers once again. Haha.

For people who like traveling, don’t they usually collect a lot of Korean Air miles?

I also really like traveling and fly quite often, so as a business owner, I use credit cards that let me earn Korean Air miles for payments needed to run my business.

If you carefully choose and set up a good card, you’ll find that the amount of miles accumulated after some time makes a big difference!

One of the Korean Air mileage cards I’m fond of is Hana Gold Club Members 2, which I recommend for people who regularly use over 6 million KRW per month on credit cards.

It shines when used at ordinary merchants, not at what we usually call special accrual merchants.

It has the effect of earning about 1.47 miles per 1,000 KRW.

KB Heritage Smart Mileage Type

If you’ve been looking for a card that earns Korean Air miles well, you may have seen this one at a glance. Honestly... the design doesn’t seem pretty to me, so it’s the kind of card you’d just pass by...

As you can see from the link below, this is part of the premium card lineup newly introduced by KB Card. Under the brand name “KB Card Heritage,” it has a lineup that continues from Exclusive to Reserve to Smart.

For reference, I tried to get the KB Card Heritage Exclusive card, but failed.... They say you need to keep an average balance of 1 billion KRW in cash at KB Kookmin Bank for more than 3 months... who has that much cash anyway?

ㅠㅠㅠ

And I thought Reserve wasn’t worth it compared to its high annual fee... so honestly, at first I also overlooked KB Card Heritage Smart.

1 Korean Air mile per 1,000 KRW for domestic spending

2 Korean Air miles per 1,000 KRW for overseas spending

Let’s go through the benefits one by one. First, the wording that says overseas spending earns double.

For domestic earning merchants, the following are excluded:

National taxes, local taxes

Apartment maintenance fees, water bills, electricity bills

Four major insurance premiums

Tuition

Gift card payments

and so on.

In other words, only ordinary spending earns 1 mile per 1,000 KRW.

And overseas spending earns 2 Korean Air miles per 1,000 KRW.........

'No previous month spending requirement and no earning limit'

This is an insane condition.

The SKYPASS Lotte Amex card, which has now been discontinued, also offered unlimited overseas earning of 2 Korean Air miles per 1,000 KRW.

Most cards such as Woori Card Card of the Standard, Samsung Card & Mileage, and Hyundai Korean Air Card offer special overseas accrual with a monthly cap of around 2 to 3 million KRW, but

this KB Card Heritage Smart gives you double earning without limit.

On top of that, the brand is Master, which is great because Amex doesn’t work for overseas payments in some cases, making it inconvenient, while this card has broad usability for payments.

KB Pay: 1 Korean Air mile per 2,000 KRW earned

This is a crazy benefit that still gives me chills when I think about it.

There is a condition that says it is provided when spending at least 500,000 KRW in the previous month, but if you pay with KB Pay, you earn 1 Korean Air mile per 2,000 KRW up to a monthly accumulation limit of 2,000 miles (up to 4 million KRW). That means you earn roughly an additional 0.5 Korean Air mile per 1,000 KRW, right??

Then when should you use KB Pay? It works for most online payments. Especially with KB Card, there’s almost nowhere that won’t accept it~

And if you use KB Pay on your phone, it can run by borrowing Samsung Pay’s module, so in offline stores where Samsung Pay can actually be used, KB Pay can also be used.

Then up to 4 million KRW per month, you get 1.5 Korean Air miles per 1,000 KRW.

Isn’t this already enough to call it the strongest Korean Air mileage card in existence?

But of course, that can’t be the end.

Master World-tier benefits

Incheon Airport Martina Gold Lounge access.

This card is also Master Card’s “World” tier.

It has amazing benefits too..... I’ll just excerpt the ones I personally think are good. Haha.

This is the point I think is truly impressive.

Among the airport lounge services provided three times a year, Martina Gold at Incheon Airport Terminal 2 is included.

There aren’t many cards that let you enter Martina Gold so easily~

From what I remember, special cards like Hana Club One Card, Hyundai Korean Air Card, or KB Bev5 come to mind.. Even though it’s only for one person, it seems to be among the cards with the lowest annual fee that grant access to Martina Gold Lounge.

The regular Martina lounge is tasty too, but the line is long... so if possible, I prefer Martina Gold!!

There is a PP service that you don’t often see these days. And since it’s provided up to 10 times a year, it’s practically unlimited.

What you need to be careful about is that you must absolutely maintain the 500,000 KRW previous month spending requirement. When I look at reviews, there are a lot of vague comments about whether the 500,000 KRW is calculated based on the previous month or the month before that...

So I make sure to consistently keep it at 500,000 KRW.

I like Shinhan Ace Blue Label because its PP card service is unlimited, but KB Card Heritage Smart also provides it as many as 10 times-

When eating at a luxury hotel you visit from time to time, haven’t you ever been disappointed that you couldn’t get a discount without a hotel membership?

If you have Master World tier, you can receive discounts on food and beverages, though it varies by hotel. Just in case, ask before paying. Even a 10% discount pays for the annual fee. (It’s actually only 50,000 KRW.)

Hotel valet parking service is also included by default. And it boasts an enormous 15 uses per year.

As you can see, most of the common hotels people use are included. In particular, Oakwood Premier Coex Center lets you use the COEX parking lot for 5 hours free, which is a major advantage! It seems noteworthy that JW Marriott Jeju is also included. A valet service strong in the provinces!

For reference, I’ll also link my JW Marriott Jeju hotel stay post. Haha.

Usually, hotel valet parking service and Incheon Airport valet parking service are bundled together, right?>

I usually use my car when going to Incheon Airport Terminal 2, so I often use the airport valet parking service. Valet parking that normally costs about 20,000 KRW is free too~

Still, the voucher task is relatively easy

KB Card Heritage Smart, which has an annual fee of 200,000 KRW, provides a voucher worth 150,000 KRW. If you claim this, the effective annual fee becomes 50,000 KRW!?

In fact, the benefits worth 200,000 KRW are already more than enough... but of course, you should make good use of the voucher wisely.

The method I recommend most is generating a purchase slip of at least 150,000 KRW at a luxury hotel. A luxury hotel means a 5-star hotel registered on www.hotelrating.or.kr.

When I have big family events or hospital company dinners, I go to a 5-star hotel at least once a year. So when do I use this 150,000 KRW voucher? I use it when paying for the hotel membership. If you pay exactly 150,000 KRW separately, it’s efficient, and it’s good to use the remaining amount with Hyundai Korean Air Card or Hyundai Amex Platinum to earn benefits through “hotel special accrual.”

I think it’s a pretty smart method. Haha.

You can also use the voucher when paying at least 150,000 KRW for airline tickets.

As you can see, it says it’s only for Korean Air, Asiana, Jin Air, Jeju Air, and T’way...

But from the reviews on Ssasasa, it seems airlines like Air Premia can also be used as long as the category matches?

I haven’t tried it, so I’m not sure... but third-party payments probably won’t work, and you may need to pay on the airline’s official website.

Lastly, there is a way to get a discount after paying for performances/exhibitions.

Interpark seems to be the easiest one to use... and it also says you can receive the service when paying on site. I’ve never actually tried this one....

Who would benefit from KB Card Heritage Smart?

Personally, I recommend it to anyone who wants to collect miles and use award tickets.

First of all, the annual fee is relatively low. It’s 200,000 KRW, but meeting the 150,000 KRW voucher task is relatively easy. There are just too many good points to call this a 50,000 KRW annual-fee card, right??

KB Pay usage up to 4 million KRW per month with 1.5 miles per 1,000 KRW, Unlimited overseas spending benefit of 2 miles per 1,000 KRW, Martina Gold access, PP card, hotel valet, and airport valet.

I think this is almost treatment on par with third-party credit cards costing over 500,000 KRW.

Being able to enjoy all this for only 50,000 KRW. When you look at credit cards with a 50,000 KRW annual fee, they often make you sigh... I think people didn’t know much about it when it first came out. It wasn’t very famous.. I remember discovering it early and shouting “Eureka”..ㅋㅋ Because of my business, I make a lot of purchases from online malls. I order a lot of materials and other things online, including from Coupang, so I also get a lot of value from the KB Pay benefit.

It’s not a top-tier card, but it definitely seems to hold a solid position as a high-end card. If you’re thinking about a Korean Air mileage card... I’d recommend choosing it without hesitation. I’m confident in that. Be sure to get one for yourself~!!

That’s all for Dr. Baek’s introduction to credit cards!!