Shinhan Card Point Plan card pinking rate analysis (10 types)
1. What is pinking rate:
Ratio of benefits received compared to card usage: Ratio of benefit amount to card usage amount
Pinking rate calculation formula: (average monthly benefit amount – 1 month annual fee) / (average monthly card usage amount)
Pinking rate goal: Maximize card usage efficiency through high pinking rate
2. Shinhan Card Point Plan Card Pinking Rate:
Average pinking rate: approximately 2.5% 신한카드 포인트 플랜 카드
Maximum pinking rate: approximately 8% (previous month’s usage amount of KRW 1.2 million or more, utilizing weekend dining/regular payment automatic payment benefits)
Pinking rate varies depending on individual consumption patterns and card use purposes: Pinking rate increases when benefits are actively utilized
3. Strategies to increase pinking rate: 이베이스매뉴얼
Achieving the previous month’s usage goal: applying a high accumulation rate and providing additional benefits
Take advantage of weekend dining out/automatic payment benefits for regular payments: Consistently accumulate points through fixed spending
Payment of essential living expenses: High savings when paying essential living expenses such as convenience stores, supermarkets, department stores, etc.
Shinhan SOL Pay/App Payment: Accumulate additional points and provide various benefits
Take advantage of membership benefits: Discounts on cultural activities such as movies, performances, exhibitions, etc.
Overseas payments: Accumulate points by paying in local currency when traveling abroad
4. Pinking rate influencing factors:
Card annual fee: The higher the annual fee, the lower the pinking rate.
Card usage amount: The higher the card usage amount, the higher the pinking rate.
Utilize benefits: Increase pinking rate when using various benefits
Personal consumption pattern: Pinking rate varies depending on personal consumption pattern
5. Example of Shinhan Card Point Plan card pinking rate calculation:
Average monthly card usage amount: 1 million won
Average monthly benefit amount: 25,000 won (point accumulation, membership discount, etc.)
Annual fee: 20,000 won
Pinking Rate: (25,000 – 20,000) / 1,000,000 = 0.05 = 5%
6. Select cards for high pinking rates:
Choose a card that suits your spending patterns: essential living expenses, overseas payments, etc.
Comparison of benefits: Comparison and analysis of benefits provided by each card
Annual fee comparison: Comparison of benefits compared to annual fee
Shinhan Card homepage/app simulation utilization: support for selecting an appropriate card
7. Pinking rate management tips:
Consistently check card usage history and point status: Use the My Shinhan app
Actively utilize benefits: Check benefit information on Shinhan Card website/app
Set a payment strategy that suits your card usage purpose: Achieve your pinking rate goal
8. Precautions:
The pinking rate depends on the consumption pattern of the card user: the same pinking rate cannot be applied to all users.
It may be difficult to meet the conditions for achieving the maximum pinking rate: achieving the previous month’s usage amount goal, etc.
You may be dissatisfied when choosing a card based only on the pinking rate: consider the card’s features and benefits comprehensively
9. Conclusion:
Shinhan Card Point Plan card is a card with a high pinking rate. However, the pinking rate varies depending on the card user’s spending patterns.