KB국민카드
KB국민카드 is a South Korean credit card company and wholly-owned subsidiary of KB Financial Group, issuing credit and check cards, card loans, and auto finance to individual consumers, businesses, merchants, and government programs via the KB Pay platform (~15.5M members) and KB Kookmin Bank branches.
- Company typePrivate
- Founded-
- HeadquartersSeoul, South Korea
- Headcount51–100
- GTM typeB2C
- OfferingServices
What KB국민카드 does
KB국민카드 (KB Kookmin Card Corp.) is a South Korean specialized credit finance company (여신전문금융업) and a wholly-owned subsidiary of KB Financial Group (KB금융그룹, Korea Exchange ticker 105560). Headquartered in Jongno-gu, Seoul, and led by Representative Director 김재관 (Kim Jae-kwan), the company issues credit cards, check cards, and prepaid cards across standard, premium (HERITAGE), and digital-only (Alphawon) tiers, alongside card loans (short-term cash service, long-term card loan), revolving credit, auto finance, and corporate card programs. It serves four primary segments: individual consumers, businesses and self-employed owners, merchants/gacchants, and government/public institutions, with the latter segment positioning the company as a distribution channel for Korean welfare subsidies, transportation refunds, and SME stability vouchers.
The company's core technology stack centers on KB Pay, a mobile financial super-app with approximately 15.5 million registered members, 10 million MAU, and 3.07 million DAU as of 2025, processing over 10 million credit card transactions daily. KB Pay is underpinned by KB Admarket, an integrated data management platform that combines payment, banking, mobile telecommunications, and real estate data from KB Financial Group subsidiaries (KB Kookmin Bank, KB Liiv M, KB Real Estate) with non-financial partner data to enable targeted advertising and cross-selling. The Pointree (포인트리) loyalty system, Get100 cashback service, and StarShop merchant network (offering up to 50% discounts) function as retention and engagement layers across the customer base.
Revenue is generated through multiple streams: interchange/merchant fees (with mandated small-merchant preferential rates of 0.40% credit / 0.15% check below 300M KRW annual sales), card annual fees, interest on card loans (capped at 20% annual rate), auto finance, general lending, installment finance, corporate/prepaid card programs, and KB Pay advertising (minimum spend 2–5 million KRW per campaign). Distribution is omnichannel, spanning the KB Kookmin Bank branch network, the KB Pay app, card.kbcard.com, dedicated business/merchant portals (biz.kbcard.com), and a multi-line customer contact center. The company holds sustained #1 rankings in NCSI (credit card 5 consecutive years; check card 2 consecutive years) and KS-SQI (check card 11 consecutive years), and has achieved top-tier international credit ratings among Korean card issuers. Certifications include ISMS-P (information security and privacy, including for MyData services) and ISO 14001 (environmental management).
KB국민카드 firmographics
Firmographics- Name
- KB국민카드
- Legal name
- KB Kookmin Card Corp.
- Website
- https://card.kbcard.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- KB국민카드 is a South Korean credit card company and wholly-owned subsidiary of KB Financial Group, issuing credit and check cards, card loans, and auto finance to individual consumers, businesses, merchants, and government programs via the KB Pay platform (~15.5M members) and KB Kookmin Bank branches.
- Ownership category
- akta.pro rank
KB국민카드 industry classification
Industry- Product category
- Consumer Credit Cards
- NAICS
- Credit Card Issuing (52221), Credit Card Issuing (522210), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Private Label / Store Credit Cards (FSAKABAC)
- akta.pro secondary industries
- BNPL Card / Virtual Card Programs (FSAKACAC), Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)
Keywords
Where KB국민카드 is headquartered
LocationHeadquarters
- HQ city
- Seoul
- HQ country
- South Korea
- HQ region
- Asia
Offices1 record
Markets served
KB국민카드 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 카드年会費 및 수수료 (Card Annual Fees & Commissions): KB국민카드 generates revenue from annual membership fees on credit and check cards, as well as interchange fees (가맹점 수수료) charged to merchants on every transaction. The company is classified as a specialized finance company (여신전문금융업) and discloses average merchant fee rates by merchant size category. Small merchants (연매출 3억원 이하) receive preferential rates of 0.40% or below for credit cards and 0.15% for check cards, with increasing rates for larger merchants up to the industry average of 2.08% for credit cards.
- 카드대출 이자 수입 (Card Loan Interest Income): Revenue from short-term card loans (단기카드대출/현금서비스), long-term card loans (장기카드대출/카드론), revolving credit (리볼빙), and installment financing. Interest rates are set at the normal rate + 3 percentage points (연체이자율), capped at the legal maximum of 20% annual rate.
- 자동차금융 (Auto Finance): KB국민카드 provides new and used car financing (신차금융, 중고차금융) products through its financial services division, generating interest income from auto loan origination.
- 일반대출 (General Lending): Products including KB국민 이지신용대출 (Easy Credit Loan), KB국민 개인사업자대출 (Business Owner Loan), and KB국민 이지대환대출 (Easy Refinancing Loan) for both personal and business customers.
- 무이자할부 및 통신결제 (Installment & Mobile Payments): Revenue from merchant partnerships on installment plans, and payment processing through KB Pay platform including communication bill payments for major carriers (KT, SKT, LG U+).
- KB Pay Advertising Revenue: KB Pay generates advertising revenue through display ads, PUSH notifications, and quiz campaigns. Minimum spend is 5 million KRW (reduced to 2 million KRW for first 3 campaigns or with performance reference consent). The platform targets brands using its integrated KB Admarket data capabilities with DMP fees included.
- 선불카드 및 기업카드 (Prepaid & Corporate Cards): Revenue from prepaid card management, reload services, and corporate card programs including dedicated business expense management portals, fleet cards, and VAT reporting tools for businesses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Small/Micro Merchant Preferential Rate |
| Transaction based/ take rate | Monthly | Medium Merchant Preferential Rate |
| Subscription | Annual | Platinum Card Annual Fees |
| Subscription | Annual | Premium Card Tiers |
| Usage-based | Pay-as-you-go | KB Pay Advertising Minimum Spend |
Go-to-market motion1 record
Distribution channels8 records
Marketing channels11 records
KB국민카드 product offering
Product offeringCore offering
KB국민카드 is a South Korean specialized credit card finance company that issues credit cards and check cards (debit cards), provides card-based lending (short-term cash advances, long-term card loans, revolving credit), auto financing, and government subsidy distribution services. Its flagship KB Pay mobile platform integrates payments, asset management, loyalty rewards (Pointree), cashback (Get100), and advertising. The company also operates a merchant acceptance network (StarShop) with payment processing and marketing services for retailers.
Product overview
KB국민카드 operates as a comprehensive financial services platform offering credit cards, check cards, and digital payment solutions under the KB Pay mobile ecosystem. The core product portfolio centers on 신용카드 (credit cards) and 체크카드 (check cards) available in standard, premium, and digital-only variants, complemented by 포인트리 loyalty rewards and Get100 cashback services. Financial services including 단기카드대출(현금서비스), 장기카드대출(카드론), and 자동차금융 provide lending products, while the 스타샵 partner network and VIP 라운지 deliver merchant benefits. The KB Pay platform serves as the primary digital channel integrating payments, asset management, shopping, and content services.
Differentiator
Problem solved
Functional benefit
Brands
- KB Pay: Mobile payment and financial services platform of KB Financial Group with approximately 15.5 million members, 10 million MAU, and 3.07 million DAU (as of 2025). Offers display ads, PUSH ads, and quiz ads for advertisers.
- 포인트리
- 겟백 (Get100)
- 스타샵
- KB스타클럽
Products and services
- KB Pay Mobile Platform
Quantifiable outcome
- 2025 NCSI: Credit card sector ranked #1 for 5 consecutive years; Check card sector ranked #1 for 2 consecutive years
- +3 more outcomes
Companies that use KB국민카드
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles5 records
KB국민카드 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature7 records
KB국민카드 partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- KB국민은행 (KB Star)coreKB국민은행 is KB국민카드's parent bank within KB금융그룹. The partnership enables cross-referrals between banking and card products, joint account opening, integrated financial services inquiry (KB금융그룹 금융정보), and cross-selling of insurance and securities products. KB국민은행 branches serve as key distribution channels for KB국민카드 products.
- KB증권minorWithin KB금융그룹 network, KB증권 is accessible through KB국민카드's integrated financial information portal, allowing card customers to view their KB증권 total asset evaluations and user information.
- KB손해보험 / KB라이프생명minorInsurance products are cross-sold through KB금융그룹 network. KB국민카드's integrated portal allows customers to view KB손해보험 contract lists and KB생명보험 basic information. Insurance solicitation is disclosed with sales ratio and commission rate information.
- 스타샵 가맹점 (StarShop Merchants)coreStarShop is KB국민카드's merchant benefit network where participating merchants offer discounts (up to 50%), point accumulation, and cashback to cardholders. The program includes online and offline merchants. Merchants benefit from increased foot traffic from cardholder promotion programs.
- 대한항공 (Korean Air)minorPartnership for aviation mileage conversion services. KB국민카드 offers ROVL (대한항공/토탈마일) and ROVL 아시아나 (Asiana/mileage) services, enabling card point conversion to airline miles for premium cardholders.
- 여신금융협회 (Korea Federation of Credit Card Business)minorKB국민카드 participates in the industry's integrated merchant sales inquiry system (가맹점 매출거래 정보 통합조회 시스템) and follows guidelines established by the association for merchant fee rates and complaint handling.
- KB Admarket Partner Network (KB Admarket 제휴사)coreKB Admarket integrates data from multiple KB Financial Group entities including KB Pay, KB국민은행, KB리브모바일 (KB Liiv M), and KB부동산 for the advertising platform. Non-financial partner data (비금융 제휴 비식별 ID) is also incorporated for broader targeting capabilities. Advertisers include Mongblanc, Panerai, Hyundai Certified Used Cars, KB국민은행, and over 20 other brands (2025).
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
KB국민카드 competitors and assessment
Company assessmentEmerging players
- Kakao Pay: Korean mobile payment and digital wallet platform backed by Kakao. Emerging competitor in payments, BNPL, and consumer finance, intersecting with KB Pay's digital wallet ambitions and challenging card-based payment experiences.
- Toss (Viva Republica): Korean fintech super-app offering payments, consumer loans, credit scoring, and investment services. Emerging disruptor that competes with KB국민카드's lending products and digital wallet experiences through a mobile-first interface.
Direct peers
- Shinhan Card: Major Korean credit card issuer, subsidiary of Shinhan Financial Group. Direct competitor across consumer credit cards, corporate cards, and integrated mobile payment apps, with similar bank distribution synergy.
- Hyundai Card: Leading Korean credit card company, subsidiary of Hyundai Motor Group. Direct competitor in premium cards (Hyundai Card's Black, White, Red lines parallel KB's HERITAGE) and lifestyle-integrated benefits, including mobility partnerships.
- Lotte Card: Korean credit card issuer affiliated with Lotte Group. Direct competitor in consumer cards, merchant payment processing, and integrated retail benefits, with comparable customer base across Korean consumers.
- Samsung Card: Major Korean credit card issuer, a subsidiary of Samsung Group. Directly competes with KB국민카드 in credit cards, check cards, card loans, and premium card tiers (Samsung Card's The Pink, Metal Card lines parallel KB's HERITAGE).
- Hana Card: Korean credit card subsidiary of Hana Financial Group. Direct peer in credit card issuing, check cards, installment financing, and auto loans, leveraging bank branch distribution similar to KB's model.
- Woori Card: Credit card subsidiary of Woori Financial Group. Direct peer operating with similar integrated banking-card distribution model, competing across credit, check, and corporate card segments.
- NH Nonghyup Card: Korean credit card company affiliated with the National Agricultural Cooperative Federation (NH Financial Group). Competes in consumer cards, auto financing, and government subsidy distribution, with broad rural and agricultural customer reach.
Broad incumbents
- BC Card: Largest Korean card network operator and acquirer, owned by major Korean banks. While not a direct issuer competitor like the others, BC Card competes with KB Pay in payment processing, merchant acquiring, and digital payment infrastructure.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
KB국민카드 social profiles
Digital presenceKB국민카드 compliance and trust
Trust signalCompliance4 records
KB국민카드 financial estimates
Financial estimateRevenue estimate
Valuation estimate
KB국민카드 leadership team
Management profileNumber of profiles
Profiles1 record
KB국민카드 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KB국민카드 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KB국민카드
What does KB국민카드 do?
KB국민카드 is a South Korean specialized credit card finance company that issues credit cards and check cards (debit cards), provides card-based lending (short-term cash advances, long-term card loans, revolving credit), auto financing, and government subsidy distribution services. Its flagship KB Pay mobile platform integrates payments, asset management, loyalty rewards (Pointree), cashback (Get100), and advertising. The company also operates a merchant acceptance network (StarShop) with payment processing and marketing services for retailers.
Is KB국민카드 a public or private company?
KB국민카드 is a private company. It is classified as corporate owned and is currently operating.
When was KB국민카드 founded?
KB국민카드 was founded in -1. It employs 51 to 100 people.
Where is KB국민카드 based?
KB국민카드 is headquartered in Seoul, South Korea, in the Asia region.
How does KB국민카드 make money?
Seven revenue lines are on record. 카드年会費 및 수수료 (Card Annual Fees & Commissions) is the primary driver. The others are 카드대출 이자 수입 (Card Loan Interest Income), 자동차금융 (Auto Finance), 일반대출 (General Lending), 무이자할부 및 통신결제 (Installment & Mobile Payments), KB Pay Advertising Revenue and 선불카드 및 기업카드 (Prepaid & Corporate Cards).
Who are KB국민카드's main competitors?
Emerging players on record are Kakao Pay and Toss (Viva Republica). Direct peers are Shinhan Card, Hyundai Card, Lotte Card, Samsung Card, Hana Card, Woori Card and NH Nonghyup Card. BC Card is listed as a broad incumbent.
Does KB국민카드 have an API?
No public API is recorded for KB국민카드.
What industry is KB국민카드 in?
KB국민카드's product category is Consumer Credit Cards. Its primary akta.pro industry code is FSAKABAC, Private Label / Store Credit Cards, with a secondary code of FSAKACAC, BNPL Card / Virtual Card Programs. Its NAICS code is 52221 and its SIC code is 6141.