Analysis of 10 advantages and disadvantages of Shinhan Card Point Plan card
1. Easy accumulation system:
The accumulation rate is automatically adjusted upward according to the amount used in the previous month.
You can accumulate points naturally without any additional applications or procedures.
You can earn points quickly with a high accumulation rate of up to 3%.
Advantages: 신한카드 포인트 플랜 카드
You can maximize your accumulation rate according to your consumption patterns.
You can accumulate high points with consistent use.
The point earning process is simple and stress-free. 이베이스매뉴얼
disadvantage:
You must achieve the previous month’s usage goal to receive a higher accumulation rate.
If you don’t plan your spending, it may be difficult to take advantage of the maximum savings rate.
2. Various payment benefits:
Additional points are provided for weekend dining out and automatic payment of regular payments.
You can also enjoy point accumulation benefits when paying through My Shinhan Pay.
You can enjoy spending by offering discounts and benefits at various partner stores.
Advantages:
You can benefit from it in a variety of situations.
You can receive additional benefits by accumulating points through spending.
You can conveniently enjoy benefits by using MyShinHanPay.
disadvantage:
Not all partner stores offer the same benefits.
Benefits may change so please check.
3. Use points strategically:
1 point = 1 won and can be used like cash, so it can be used flexibly.
You can maximize the value by exchanging it for various gift certificates and gifticons.
You can enjoy travel benefits by exchanging your mileage.
Advantages:
There are many ways to use your points, giving you plenty of options.
You can use your points efficiently according to your desired purpose.
You can enjoy benefits by maximizing your point value.
disadvantage:
For some gift certificates and gifticons, exchange fees may apply.
When exchanging mileage, you must check the flight reservation conditions, etc.
4. Develop smart spending habits:
Since the accumulation rate varies depending on the amount used, it helps you plan your spending.
Reduce unnecessary spending and develop planned spending habits.
You can increase consumption satisfaction by accumulating points.
Advantages:
It can be an opportunity to analyze and improve consumption patterns.
You can maintain an economical life through planned consumption.
As you spend, you can accumulate points and feel a sense of accomplishment.
disadvantage:
It can lead to excessive consumption.
Obsessing over accumulating points can lead to unnecessary spending.
5. Affordable annual fee:
You can use the domestic-only card without any burden with an annual fee of 20,000 won.
The overseas card has an annual fee of 23,000 won, making it useful when traveling overseas.
Considering the point accumulation benefits, it is well worth the annual fee.
Advantages:
The annual fee is lower than other cards.
You can use it comfortably even when traveling abroad.
You can offset the annual fee by accumulating points.
disadvantage:
Annual fee benefits are not provided.
Foreign payment fees may apply when traveling overseas.