Smart consumption benefits available for foreigners - Coexistence Payback application guide 💸

These days, with prices rising, buying groceries or eating out can sometimes feel burdensome.

For those people, here is some information on good consumer aid policies that also apply to foreigners.

It's the Mutual Growth Payback system! 💪

🧐 What is Mutual Growth Payback?

• 'Growth' means an economy where everyone thrives together.

• 'Payback' means getting back a portion of what you spent.

In other words, Mutual Growth Payback is a policy that refunds a portion of credit card spending to help small business owners and reduce consumer price burdens.

Not only Koreans, but also foreigners living in Korea can enjoy this benefit!

✅ Eligibility

Mutual Growth Payback is available to foreigners and anyone aged 119 or older who was born before December 31, 2006.

📌 Notice:

• Applicants must have card usage records in 2024.

• You must apply with your own card; proxy applications or delegations are not allowed!

✅ Benefits

The Mutual Growth Payback allows you to get back 20% of the increased spending amount by comparing the average monthly card spending of 2024 to the period from September to November 2025.

ex)

• Average monthly card spending in 2024 = 800,000 KRW

• Card spending in October 2025 = 1,050,000 KRW

→ You get back 20% of the increased 250,000 KRW, that is, 50,000 KRW!

⁉️ How much can be refunded?

• You can receive up to 100,000 KRW per month, with a total limit of 300,000 KRW over three months.

• The amount will be given as a digital Onnuri voucher.

  • To use the amount, you need to download the Onnuri voucher app.

✅ Application Method

Applying for the Mutual Growth Payback is not difficult😀. Anyone can easily apply by following these steps!

1. Visit the Mutual Growth page website (http://상생페이백.kr)

2. Enter application information after identity verification

3. Review terms and complete the card application

4. Download the 'Digital Onnuri' app

👉 All processes can be handled online, making it easy for foreigners to apply.

📅 Application Period and Payment Schedule

• Application Period: September 15th (Mon) ~ November 30th (Sun)

  • Once you apply, it automatically applies for all three months (September to November)!

• The payment schedule is as follows.

  • September usage → Expected payment on October 15th

  • October usage → Expected payment on November 15th

  • November usage → Expected payment on December 15th

🌿 TMI

Our VIVISA Vietnamese team members are reportedly receiving a steady payback of 100,000 KRW each month these days~!

Buying fruits or side dishes at the local market with the refunded amount is said to significantly reduce living expenses.

Don't miss out, be sure to apply for the Mutual Growth Payback! The application is simple, and the benefits are quite substantial 😊