Learn How to Request a Lotte Card I'm Active

Choosing the right credit card can simplify your finances. This article explains how to request the Lotte Card I'm Active step by step. 

You’ll learn about eligibility, interest rates, and fees. By the end, you’ll know precisely how to apply and benefit from this card.

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Why Understanding Credit Card Features Matters?

Knowing your credit card’s features helps you make smarter spending decisions. It also allows you to fully take advantage of rewards, discounts, and unique services. 

With this knowledge, you might get valuable benefits. Cards with membership integrations or cashback options can save you money over time. 

Understanding the terms also avoids unnecessary fees. A card with the right features fits your needs and simplifies your finances.

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One Card, Two Functions

The Lotte Card doubles as an L.Point membership card. You can earn L.Point rewards when shopping at L.Point stores, even if you use a different card for payment. 

This means you don’t need an extra L.Point card. However, no additional credit card rewards will apply in this case.

Style Card Service

A unique feature of this card is the ‘Style Card’ option. It lets you add your photo or design to your check or credit card. 

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It’s a great option if you enjoy customizing or want something personal. However, only specific card products support this service.

Recharge Cashbee at SevenEleven

You can use your card to recharge your Cashbee card at any SevenEleven location.

Eligibility Requirements

To apply for the Lotte Card I'm Active, you must meet essential criteria like age, income, and documentation.

Qualifications for Applying

Here’s what you need to qualify:

  • Age: Must be at least 18 years old.
  • Income: A minimum stable income as per bank standards.
  • Identification: A valid ID card or passport.
  • Proof of Income: Recent pay stubs or income documents.
  • Bank Account: An active bank account for payments.

Benefits of the Lotte Card I'm Active

This card offers practical rewards and cashback options to make everyday spending more rewarding.

Key Benefits You Get

Here are the main advantages:

  • 40 KRW/L cashback at all petrol and LPG stations.
  • Earn 2X L.Point rewards at L.Point partner shops.
  • 0.2% L.Point rewards on all other purchases.
  • Integrated membership with L.Point for easy tracking.

Special Partnerships and Offers

The card works seamlessly at L.Point partner stores, offering double rewards on purchases. It also provides cashback at fuel stations, saving you money with every refill. 

This makes it practical for those who frequently shop or drive. You still earn a small percentage back on regular purchases as a reward. 

Combining L.Point integration and cashback gives users a balanced set of benefits.

How to Apply?

Getting the Lotte Card I'm Active is simple and convenient. You can apply online or visit a branch directly.

Step-By-Step Online Application

Follow these steps to apply online:

  • Go to the official card issuer website.
  • Log in or create an account if you’re a new user.
  • Select the Lotte Card I'm Active product.
  • Upload your ID and other required documents.
  • Review the application and click submit.
  • Wait for approval and follow any further instructions.

Applying In Person

To apply at a branch, visit the nearest location with your documents. Bring a valid ID, proof of income, and bank details. 

The staff will guide you through the process. Ensure all forms are completed accurately to avoid delays. 

Applications are reviewed on the spot, but approvals may take a few days. For help, contact the customer service desk at the branch.

Interest Rates and Fees

Knowing the card’s interest rates and fees helps you manage your expenses better. Always check for updates, as terms can change.

Interest Rates

The card applies a standard interest rate for purchases and payments. Depending on your credit score, rates can range between 15% and 20% annually. 

Late payments will incur a higher interest rate. The cash advance service usually has a higher rate than standard purchases. 

Be mindful of these rates to avoid extra costs. Interest only applies to unpaid balances.

Annual and Penalty Fees

The card charges an annual usage fee, typically 10,000 to 30,000 KRW. Late payments result in a penalty fee added to your next bill. 

Cash withdrawals may include an additional transaction fee. International usage could incur a foreign exchange fee

Always review your monthly statement for any hidden charges. Managing payments on time can help avoid unnecessary penalties.

Using Your Card

Using your card wisely helps you get the most out of its features. Simple habits can save you money and maximize rewards.

Tips to Maximize Benefits

Here are ways to make the most of your card:

  • Use it at L.Point shops to earn 2X rewards.
  • Refill at fuel stations to get the 40 KRW/L cashback.
  • Track all purchases using the bank’s mobile app.
  • Pay off balances on time to avoid penalties.
  • Avoid cash advances to reduce extra fees.
  • Take advantage of integrated L.Point membership benefits.

Tracking Expenses and Managing Your Card

The bank’s mobile app makes monitoring your expenses and card activities easy. You can check your balance, track purchases, and set spending limits. 

The app also sends notifications for due dates, helping you avoid late fees. Review your statements regularly to manage spending and avoid unnecessary charges. 

Use the app to update personal details and access customer support quickly. Monitoring your card usage ensures you get the best value without overspending.

Contact Information

You can contact the bank’s customer service at 1588-8100 for support with card-related queries. The support team operates during standard business hours

If you prefer to visit, the main branch is 76 Saemunan-ro, Jongno-gu, Seoul. Reach out whenever you need help with your account.

Disclaimer: Details like interest rates and fees may change. Always check with the bank for the latest updates and terms.

Wrapping Up: How to Request a Lotte Card I'm Active?

Requesting the Lotte Card I'm Active is quick when you know the steps. It offers cashback and reward points to make spending more rewarding. 

The app helps you track expenses and stay in control. Meet the requirements and use the card wisely to get the most value. Stay informed to make better financial choices.