In order to maximize the benefits of the Yong Card, it is important to understand your consumption status.
People in their 20s are just starting their social life and do not know my spending habits well. SKT 통신비 할인 카드
For such people, it may be more advantageous to receive a credit card recommendation that simply provides fixed benefits. 이베이스매뉴얼
For example, if you use gas often, you can use a gas discount credit card, and if you frequently use public transportation, you can use a public transportation discount credit card.
If it is not this or that, the sector that everyone definitely consumes is the telecommunication cost.
A telecommunication discount card is a good card in its own right, at least in that there is no reason to miss the discount. Depending on the promotion, the picking rate may exceed 5%.
Please note that this specific card is advantageous for people who receive definite benefits without much interest in consumption habits and credit card benefits, so it is not a card that is used with high expectations.
You can think of this as a list of recommendations for credit cards to people who are not very interested in credit cards, do not have a large amount of consumption, and do not know their spending habits yet.
Today, we will take a look at the SKT telecommunication discount card with the largest number of users.
Lotte Tello SE
As a discount card for SKT telecoms, the representative is Lotte Card. Originally, there was a fraudulent card called the Lotte Tello Card. It was discontinued because of the benefits.
And the new card is the Lotte Tello SE Card. The Lotte Tello SE card isn’t bad either. The annual fee for the Lotte Tello SE credit card is high at 25,000 won, but the benefits are good. But it’s optional.
What I mean by selective good is that it’s only good if you get additional promotions. The basic Lotte Tello SE telecommunication fee discount card benefit is 8,000 won when you spend more than 400,000 won.
However, if you issue it now through an additional promotion, you will receive an additional discount of 12,000 won for 2 years. I spend 400,000 won for 2 years and receive a 20,000 won discount on the monthly communication fee.
Just don’t ask for a communication fee discount, and it will show you a 5% picking rate. Usually, people who change carriers every two years have to change their credit cards as well.
Another disappointment of Lotte Tello Card is that there are many exclusions when calculating usage performance. Basically, communication fees, management fees, gift certificates, etc. are not all covered.
It seems difficult to accumulate benefits for those who accumulate previous month’s performance by expedient method. It is suitable for those who use cards as they are meant to be.
KB T Premium Credit Card
Next is the KB T premium credit card. The annual fee of 25,000 won is the same as the Tello card earlier. This is also a card that has its pros and cons.
If you want to use this card, this card is suitable for those who have an unlimited data plan. Or it is suitable for those who need to use Kookmin Card.
The KB T premium credit card has the highest discount rate applied to telecommunication expenses incurred over an approved amount of KRW 55,000. Internet TV can be difficult, and unlimited mobile plans usually cost over 50,000 won.
If you spend more than 400,000 won in the previous month, you get a 5,000 won discount, and if you approve more than 55,000 won, you get an additional 10,000 won discount. In other words, KB T Premium spends 400,000 won and receives a fixed discount of 15,000 won.
Although the discount is lower than that of Lotte Tello SE, it has the advantage of being able to receive a 15,000 won discount without a promotion period. The previous month’s performance is similar to Lotte Tello SE, so I will not mention it separately.
Comparison of SKT telecom discount cards
I compared the two credit cards. It is much better for those who change carriers after 2 years to maximize their benefits with a Lotte Tello SE credit card.
KB T Premium Credit Card is recommended for those who have been using it for more than 2 years. You can continue to receive discounts without a premium period.
For those who can overcome cynicism, Lotte Tello SE Card is recommended for two years, and it is best to change to KB T Premium Card after two years.
The terms of the annual fee and the previous month’s performance are almost the same, so there is no comparison. Just look at the benefits. Finally, here’s a tip. In fact, I don’t think there are people who do this. Just take note.
Typical communication costs are Internet / TV / mobile. Only one bill can be discounted per telecommunication discount card. Duplicate discount is not possible.
Instead, if you use two cards and place one on the Internet and one on the TV, they will be recognized separately and you can receive discounts on both cards.
I wonder if this is a good tip, but it means that the discount rate is much higher if you use two cards with a low discount benefit instead of a card with a high discount rate for the previous month.
In other words, if you have a certain amount of consumption, you can use both cards by issuing both cards and connecting them to TV, Internet, and mobile, respectively, rather than deciding on only one credit card.
To put it simply, if you spend 800,000 won on the Tello card, you get a 24,000 won discount. If you spend 800,000 won on the KB T premium credit card, you get a 21,000 won discount.
But what if you use both cards at the same time by 400,000 won? Spend the same 800,000 won and receive a total of 35,000 won discount on the Telo SE credit card by 20,000 won and KB T Premium by 15,000 won.
It’s not much of a difference, but you can get an additional discount of 10,000 won or more per month. Just be aware… you don’t have to.