Win-Win Payback / cashback program / card spending / Onnuri voucher

“Spend More on Your Card, Get Up to 300,000 KRW Back” – Cashback Program Launches in September

πŸ’‘ Key Message: From September to November, consumers can receive up to 300,000 KRW in cashback when monthly card spending exceeds last year’s average, paid in digital Onnuri vouchers.

The Korean government will launch the “Win-Win Payback” program from September through November 2025. If your monthly card spending during this period exceeds your average monthly spending from 2024, you will be refunded 20% of the increased amount, up to 100,000 KRW per month and 300,000 KRW total. Refunds will be provided in digital Onnuri gift certificates, which can be used in traditional markets and small business districts. Payments will begin on October 15, with October and November refunds scheduled for the 15th of the following month.

Who Can Apply and How?

  • Eligibility: Korean citizens and foreign residents over 19 who had card spending records in 2024
  • Application Period: September 15 – November 30, 2025
  • How to Apply: Online via win-win payback official website
  • Offline Support: Applicants who have difficulty online can visit traditional market associations, Small Business Support Centers, or major banks such as Kookmin, Woori, and Nonghyup during business hours
  • Application Control: A 5-day rotation system will be applied in the first week based on the last digit of the applicant’s birth year; after September 20, applications are open without restrictions

Cashback Formula & Example

Formula = (This month’s card spending – Last year’s monthly average) × 20% → Up to 100,000 KRW per month

Example: If your 2024 monthly average was 1.2 million KRW and you spend 1.7 million KRW in September 2025,
The difference (500,000 KRW) × 20% = 100,000 KRW refund (monthly limit reached).

Refunds will start on October 15 (within two days), and refunds for October and November will be issued on November 15 and December 15, respectively. Even late applicants will receive September and October refunds in December.

Recognized Spending vs. Excluded Spending

  • Recognized: Domestic credit and debit card payments, including Samsung Pay and Apple Pay, primarily at small business merchants
  • Partially Included: Some medium-sized stores (annual sales over 3 billion KRW, such as bakeries or supermarkets) will also count
  • Excluded (Offline): Department stores, outlets, large discount chains, corporate supermarkets (SSMs), large electronics retailers, and direct-operated franchise stores
  • Excluded (Payment Methods): Online shopping, delivery apps, kiosk or table-order card payments (only in-store POS terminal transactions qualify)
  • Overlap Restriction: Spending already counted in other subsidy programs, such as the “Living Recovery Consumption Coupon,” will not be double-counted

Win-Win Lottery: Extra 1 Billion KRW in Prizes

  • Automatic Entry: Anyone applying for Win-Win Payback by October 12, 2025
  • Tickets: One entry for every 50,000 KRW spent at eligible merchants from August 1 to October 12 (up to 10 entries)
  • Prizes: 2,025 winners will share 1 billion KRW in digital Onnuri vouchers, including 20 million KRW each for 10 first-prize winners

Digital Onnuri Vouchers

Refunds are paid out in digital Onnuri gift certificates, valid for 5 years and usable at approximately 130,000 affiliated merchants nationwide. When using the Onnuri app, refunds will automatically be deducted before personal top-ups to maximize benefit usage.

Q&A: Key Application and Refund Issues

Q1. How do I check my 2024 monthly average spending?
A. It will be available on the Win-Win Payback website two days after application. Current month spending will be confirmed by the 17th of the following month.
Q2. What if there are missing or excess payments?
A. If spending data is delayed, refunds will be adjusted the following month. Overpayments due to canceled transactions will be deducted in the next payout or reclaimed through the Onnuri app.
Q3. Where can I get help?
A. Online chatbot (from September 15), call center (1533-2800), or offline support centers. Appeals can be submitted online and results are available within 7 days.

Fraud Warning: No Text Messages with Links

To prevent phishing scams, the government and financial institutions have confirmed that no official SMS or KakaoTalk messages containing links will be sent during the program. Do not click suspicious links; access only via the official website.

Checklist: How to Maximize Your Refund

  1. Register on the Win-Win Payback website and download the Onnuri app (from September 15)
  2. Check your 2024 monthly average to plan September–November spending
  3. Use cards at eligible offline merchants (avoid kiosks or online payments)
  4. Track refund dates: October 15, November 15, December 15
  5. Use eligible spending before October 12 to automatically enter the Win-Win Lottery

πŸ”— Official Win-Win Payback Website

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