Today I’m going to talk about Toss Bank Card (check card).
Can I check the benefits by accessing the toss bank website? I can’t see well at a glance. So I organized it.
What I felt while reviewing the products as a whole was that it was simple when I looked at it without knowing anything. You may think that
If you look closely, it’s quite difficult…? It seems to be a debit card, but it is clear that it is a good card if used well. 토스뱅크 체크카드 혜택
(As this card has no performance, you can use it whenever you want.)
Toss Bank Card (debit card benefit)
If you go to the Tossbank website, you can see that picture.
The concept seemed to emphasize that you can design and decorate cards. But what is more important to us is the benefits rather than the design, right? Let’s take a look at the benefits now.
public transport discount 이베이스매뉴얼
The first benefit is the transportation card benefit.
public transport benefits
100 won cashback discount on public transportation once a day
Domestic city bus, town bus, wide area bus, airport bus
You can get a 100 won cashback discount on subways and airport railroads.
(Currently, it’s episode 2, so it’s a pity that it’s lower than episode 1 public transportation 300 won cashback.)
only. There are also conditions that cannot be met here.
T-money/cash fee, etc. transportation card charge amount excluded
Excluding intercity and express buses
Picking rate: Gyeonggi bus: KRW 1,450 / KRW 100 discount = 6.9% discount rate
Seoul Bus: 1,200 won / 100 won discount = 8.3% discount rate
(KRW 2,200 discount per month when using to work on 22 business days)
Other check card discount rate: KB Nara Sarang Card 20% (discount limit of KRW 10,000) / KB Nori Check Card 10% (discount limit of KRW 2,000)
It is expected that the discount on public transportation can be maximized when used in combination with the KB Nara Sarang Card or Woori Thrifty Transportation Card, but there are some exceptions that should be carefully considered.
coffee shop discount
The second benefit is a discount at coffee shops.
coffee shop benefits
300 won cashback for payments of 3,000 won or more once a day
Available stores
Starbucks, Ediya, A Twosome Place, Coffee Bean, Paul Bassett,
Blue Bottle, Holly’s, Angel-in-us, Pascucci, Tom n Toms
The blue bottle, which is really popular these days, is also included, so the latest trends are reflected, so the benefits that are not supported by other companies look really good.
However, there are conditions that do not apply here.
Cash back once a day for 3,000 won or more.
Payments made at rental stores located in department stores, discount stores, outlets, shopping malls, airports, hotels, resorts, railway stations, food courts, etc.
Purchases of prepaid cards, gift certificates and gift cards.
Picking rate: Starbucks 5,000 won / 300 won discount = 4,700 won (6.0% discount rate)
Paul Basset 4,900 won X 10% discount from telecommunication companies = 4,410 won / 300 won discount = 4,110 won
(6.8% discount rate)
Other check card discount rate: 10% discount with WIN.K Kyobo check card
Nara Sarang Card/Nori Card: 20% (Starbucks limited, from 10,000 won to 20,000 won)
(Click the link to see the benefits)
Looking at the benefits, the discount amount is not attractive.
In comparison with the WIN.K card, there is a disadvantage when using Starbucks because it is a 10% discount when paying over KRW 5,000.
If it’s a coffee shop where you can get a discount from a telecommunication company, you can see that the Toss Check Card is much more advantageous.
(Based on 1 cup of Paul Basset: WIN.K card discount 0 won / Toss check card: 300 won discount)
If you look at this, does the Toss Check Card drink coffee alone at lunchtime? I think it’s a good benefit for those who go to coffee shops a lot alone. Other credit card companies have monthly discount limits. With the WinK Check Card, the monthly coffee shop usage limit is also increased.
As it is 50,000 won (discount limit is 5,000 won per month), assuming you go to a cafe every day, you can benefit from up to 9,000 won. If you drink one coffee a day, it would be great to receive the benefits after the main card discount.
However, if you pay for drinks for two people at once, the picking rate will drop to an extreme level, so this card is suitable for single use.
Also, it seems a bit inconvenient that cash back may not be available at some times that cash back is only available at a single store.
fast food discount
The third benefit is a discount on fast food
fast food benefits
300 won cashback for payments of 3,000 won or more per day
Available stores
Burger King, Mom’s Touch, McDonald’s, Shake Shack, Lotteria
However, there are conditions that do not apply here.
Cash back once a day for 3,000 won or more.
Payments made at rental stores located in department stores, discount stores, outlets, shopping malls, airports, hotels, resorts, railway stations, food courts, etc.
Did you impose a limit that is very similar to the discount at coffee shops? This seems like a really big disadvantage.
However, the fact that it gives discounts to fast food restaurants seems to be a differentiating advantage from other debit cards.
(My personal opinion is that I don’t like fast food. It’s an unattractive benefit.)
convenience store discount
The fourth benefit is convenience store discount
convenience store benefits
300 won cashback for payments of 3,000 won or more per day
Available stores
GS25, CU
However, there are conditions that do not apply here.
Cash back once a day for 3,000 won or more.
Payments made at rental stores located in department stores, discount stores, outlets, shopping malls, airports, hotels, resorts, railway stations, food courts, etc.
Excluding courier payment, utility bill payment, gift certificate, prepaid card, gift card purchase, game cash recharge amount
Excluding Hi-Pass card purchase amount, highway toll payment amount, and transportation card charge amount
It feels very good that the minimum payment amount, which is the advantage of the Toss Card, is unified at 3,000 won,
The fact that it is too restrictive in its use is considered a constant disadvantage. It is also unfortunate that 7-Eleven is excluded.
taxi discount
The fifth benefit is a taxi discount
taxi discount
300 won cashback for payments of 3,000 won or more per day
In fact, the taxi discount is
Since the basic fee is already over 3,000 won, you can receive 300 won unconditionally.
This is considered to be the best benefit among the Toss Check Card benefits.
There are no taxis with third-party debit cards, and
Compared to limiting the discount limit by including it in the transportation discount
The distinction between transportation discount and taxi discount is a notable benefit.
other benefits
It seems really good that you get 3% cash back on your overseas spending, right?
For Apple users, it was very inconvenient to pay in foreign currency unconditionally, but the Toss Card seems good to get the benefits. Check out the details attached below!
What you need to know. One
Toss Check Card is a card with an issuance fee.
Issuance fee: 2,000 won
Currently, it is exempted due to promotion, but if the number of open customers increases in the future, you may have to pay the issuance fee.
What you need to know. 2
The Toss Check Card does not have a card number or CVV. Therefore, if card information is required for online payment or overseas payment, there is a disadvantage that you need to separately verify the following method. I think you should take a look!!
How much should I spend to receive the 40,300 won discount advertised on Toss?
On what grounds can I receive up to 40,300 won in cash back per month? Aren’t you curious about it?
I was very curious, so I did a calculation.
discount items
discount amount
public transport discount
100 won X 31 days = 3,100 won
coffee shop discount
300 won X 31 days = 9,300 won
fast food discount
300 won X 31 days = 9,300 won
convenience store discount
300 won X 31 days = 9,300 won
taxi discount
300 won X 31 days = 9,300 won
Sum
40,300 won discount
The bus goes to work every day
-> Lunch is always a hamburger
-> Eat a hamburger and have a cup of coffee
-> Buy snacks at the convenience store when you get home from work
-> I had a hard time getting home from work, so I took a taxi
In this way, you can receive the 40,300 won benefit claimed by Toss.
Hahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahaha
If you want to receive the Toss check card discount pool like that…
If you eat a hamburger every day, take a taxi every day, go to work every day on the bus, and eat snacks every day.. you can get a full discount…
Health… it must be quite problematic, right?
overall rating
Toss Check Card is not a bad benefit in my opinion, but there is a feeling of discomfort as there are limited places where it can be used.
Solo…. This is a check card optimized for one person’s life (the minimum payment amount is very low at 3,000 won).
I’ll end it here today.