
KTKT My MVNO BC Baro Card
- Annual fee
- Domestic only 20,000 KRW · Mastercard 20,000 KRW · VISA 23,000 KRW
- Required condition
- Set up auto-debit of your KT MVNO phone bill to this card
- Apply for auto-debit
- N-Telecom customer center 114 or 1899-7700
- Card inquiries
- Baro Card support 1899-7771
Discount by last month’s spending
| Last month’s spending | Base discount | November promotion | Monthly discount |
|---|---|---|---|
| 300,000 KRW or more, under 700,000 KRW | 7,000 KRW | 1,000 KRW | 8,000 KRW |
| 700,000 KRW or more | 13,000 KRW | 2,000 KRW | 15,000 KRW |
How to meet the spending requirement
- You get the discount if you spend 300,000 KRW or more at domestic and overseas merchants from the 1st to the last day of last month.
- From the day you first register the card until the end of the next month, you get the lowest-tier benefit regardless of spending.
- Public transit, phone bills, auto-payments, and overseas payments are counted from the time the card company receives them.
- If an approval is canceled, that amount is removed from your spending.
Not counted toward spending
Cash advances, card loans, annual fees, late fees, all kinds of fees and interest, taxes and public utility bills (the four major social insurances, electricity, city gas, water and sewage, etc.), school payments, university tuition, apartment management fees, purchases and top-ups of gift and prepaid cards, and gift certificate purchases
Good to know when you get the discount
- If your phone bill is lower than the discount limit, only the amount of the phone bill is discounted. For example, if the limit is 13,000 KRW and the bill is 10,000 KRW, 10,000 KRW is discounted.
- Any unused limit does not carry over to the next month.
- If you get the card reissued, please set up auto-payment again.
- If auto-debit fails because of a loss report or an insufficient limit, no discount is given.
November promotion conditions
- It runs from November 1 to 30.
- You must have no BC Baro credit card payment history from May 1 to October 31, and must not have canceled an eligible promotion card through October 31.
- If you set up auto-payment of your KT MVNO phone bill, you get an additional discount for 24 months.
- It applies to phone bill payments of 15,000 KRW or more in a single payment.
- Please start auto-payment by the month after you first register the card. A month in which the conditions are not met is also deducted from the count.
Please read before using a credit card
The overdue interest rate is the contract rate plus up to 3 percentage points, within the legal maximum rate (20% per year). If your spending is high compared with your ability to repay, your personal credit score may drop and you may be disadvantaged in financial transactions, and if you are overdue for a certain period, you may have to repay all principal and interest. If issuing a credit card is not appropriate (for example, you have overdue amounts or a low credit score), issuance may be restricted. Financial consumers have the right to receive an explanation of the product. Before you sign, please check the product description and terms. Card payments and fees must be paid on the set payment date. Additional services may change for reasons set out in the terms.
Compliance Officer No. 2026-0984 (2026.05.07) · Credit Finance Association review No. 2026-C1a-06742 (2026.05.08) · Content checked on November 6, 2026









































