Hyundai Card Zero Edition 3 Review, Pros, Cons, and Philosophy

📌 An offer on the phone, and a first impression

Today, I got the Hyundai Card Zero Edition 3. The process was a bit special because Hyundai Card called me directly and offered me the card. The salesperson spoke so fast that I felt suspicious for a moment.

But when I asked questions, she answered them, and she had a nice demeanor, so I kept an open mind and listened, and it turns out the card actually exists, and the benefits aren't bad, so now I'm a “I wonder if this phone call was a stroke of luck for me?”I was like, "Oh, my God.

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💡 Hyundai Card Zero Edition3 Benefits Summary

Zero Edition3 is known as the cost of living optimization card.

• Basic discounts: 0.8%
• Discounts for living in certain industries: 1.8% (Convenience store, coffee, online shopping, telecommunication bills, etc.)
• Annual fee: Around 10,000 to 15,000 won

Features No performance conditionsis the dot. The best part is that there's no “spend more than $300,000 in the previous month” requirement like other cards, so you'll always get a discount on small to large purchases.

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🛒 Predictions I've applied to my own life patterns

I usually use Netflix, Coupang Wow, YouTube Premium I regularly pay for subscriptions, cell phone bills, and nutritional supplements.
I haven't seen the actual discounts yet, but I'm guessing that it would be pretty sweet to push those recurring living expenses to Zero Edition 3.

For example,

• 80,000 won for a cell phone bill → → $100,000 About $800 off
• 200,000 won for online shopping → $100,000 Save about $3,600
• Subscription service 30,000 won → $30,000 About $540 off

It may seem small, but this is what Between $5 and $10 per monthin savings. The annual fee will naturally be offset and more than made up for.

Especially if I have a big payment coming up, I'll be able to save more than 10,000 won, whether it's 0.81 TP3T or 1.81 TP3T on a 1,000 won payment.

▼ Do you watch Netflix? (This one was hilarious!)

Black Mirror Season 7: Interpreting ‘Vet Noir’ and Life's Questions

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🙋‍♂️ Talk to a salesperson

The salesperson spoke quickly, which made me suspicious for a moment, but he was actually friendly, answered all my questions, and cleaned up after himself.

Now that I think about it, if I had “You talk too fast”was the only reason he was judged negatively? He probably wouldn't have gotten the Zero Edition3 and would still be using the Bae Min Card, missing out on the benefits of a cost of living optimization card.

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🌱 The philosophical part I felt

I often feel this way these days. Love gives me giftsfor example.
When I treat people with respect and calm, unexpected opportunities or ideas come into my life because of it. When I ignore or reject them, they stay where they are.

Of course, I don't think you have to force yourself to love, but I've found that if I keep my mind steady through daily practices like meditation and affirmations, good relationships and opportunities come naturally.

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📌 Zero Edition3 Pros

• No performance requirements → anyone can benefit
• Strong on living expenses (subscriptions, telecom, shopping, convenience stores, etc.)
• Base discount of 0.8% covers all payments

📌 Zero Edition3 Cons

• Not great for big-ticket purchases (vs. specialized cards)
• Not a lot of rewards, not attractive to those who prefer “earning cards”
• May seem mundane to those looking for card designs/limited editions

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💬 Community reactions (Dish, Pompous, etc.)

If you look at the community (Dish, Pompous, etc.), the reactions vary.

• Some say it's “a real honey for small recurring payments”,
• Some people say, “I'm better off with another premium card because the benefits are so small.”.
  This comment actually convinced me, because I needed to optimize my cost of living more than I needed to pay more.

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✨ Recaps & Reviews

Hyundai Card Zero Edition3 wasn't just about issuing cards, it was about a small epiphany for me.
The salesperson's fast-talking tone made me doubt for a moment, but when I listened and made the choice, it ended up being a life-saving one.

Believe it or not, this is my journal. It's an experience I'll remember for years to come 🌙.