[편집자주] [편집자주] Finance is easy if you just read this. We introduce policies, products, and services that are easily explained and helpful. We will teach you how to protect your money from crimes such as voice phishing.
e-Green Save Deposit (SKYPASS) mileage and interest example/graphics = Seonjeong Yoon
“If you don’t use your card a lot to accumulate Danggong (Korean Air) mileage, this deposit is fine.”
SC First Bank‘s ‘eGreen Save Deposit (SKYPASS)’ is going viral online, especially in travel-themed cafes. Korean Air mileage is paid instead of interest on deposits, and has become an essential deposit among travelers who frequent Korean Air.
According to SC First Bank on the 19th, as of the previous day, 36.372 billion won was accumulated in the ‘eGreen Save Deposit (SKYPASS)’. Within a week of starting product sales on the 2nd, sales exceeded 10 billion won, and this week they exceeded 30 billion won. The deposit sale period ends at the end of this month.
eGreen Save Deposit is a limited edition group purchase term deposit with a 6-month maturity that receives 3.4% annual interest in Korean Air mileage instead of cash. The subscription amount is set at 1 million won, 5 million won, 10 million won, 50 million won, and 100 million won.
If the total subscription amount exceeds 10 billion won, more mileage is paid. Additional mileage is also paid if conditions such as marketing consent are maintained. In the early days of sales, there was a ‘tool’ movement at some travel cafes due to the condition that additional mileage was given only when the total deposit amount exceeded 10 billion won.
Accordingly, customers who have completed marketing consent with a total subscription amount exceeding 10 billion won can receive △500 miles for 1 million won △3,500 miles for 5 million won △6,500 miles for 10 million won △28,000 miles for 50 million won △55,000 miles for 100 million won .
In addition, based on new customers receiving a 0.2% point (P) preferential interest rate, the remaining interest payment amount after mileage accumulation is △2,699 won for 1 million won subscription △5 million won 13,457 won △10 million won 26,894 won △50 million won 134,441 won Won △100 million won 268,872 won will be paid.
The best mileage accumulation efficiency for each subscription amount is saving 5 million won. △When signing up for 5 million won, the maturity interest for a 3.6% interest rate is 76,140 won (after tax), so it is converted to 1 mile per 17.9 won. It can be seen that it is then converted to △1 mile per 10 million won and 19.3 won, △1 mile per 50 million won and 22.4 won, △1 mile per 100 million won and 22.8 won, and △1 mile per 1 million won and 25.1 won.
Therefore, considering that airline mileage can usually be shared among family members, it is more advantageous for a two-person family to subscribe to a product worth 5 million won each rather than saving 10 million won per person.
Such group purchase deposit products are advantageous for financial companies because they can attract many customers, and for customers, they can receive better interest rates than market interest rates.
Last February, KB Kookmin Bank also sold group purchase term deposits. For sales exceeding 10 billion won, an interest rate of 3.5% was applied with an additional 0.1% point, and all units up to the 4 trillion won limit were sold early.
Reporter Kim Do-yeop usone@mt.co.kr
