How it works
The advertised reward rate alone doesn't tell you the real value — you need to multiply by what each point is actually worth in cash (usually ₩1, sometimes more for mileage cards) to get the true effective rate. This tool multiplies monthly spend × reward rate × point value to show your actual benefit in currency.
FAQ
Q. What if I use multiple cards?
A. Run the calculator once per card and add up the results. For tiered cards, enter your realistic average reward rate.