2025 Best Premium Credit Card: LOCA Professional Card Benefits & Cashback Guide

2025 Best Premium Credit Card: LOCA Professional Card Benefits & Cashback Guide

Are you searching for a premium credit card that rewards every purchase, no matter where you are? The LOCA Professional Card offers an impressive 1% cashback on all domestic and international transactions, making it a standout choice for savvy spenders. Plus, it includes the exclusive LOCA Nanugi benefit, allowing you to split large purchases into manageable payments without extra fees. In this comprehensive guide, we’ll explore the card’s features, benefits, and why it’s a must-have for 2025. Let’s dive in!

Table of Contents

• 1. What is the LOCA Professional Card?
• 2. Key Benefits of the LOCA Professional Card
• 3. Annual Fees and Eligibility
• 4. Unique Advantages of the LOCA Professional Card
• 5. Why Choose the LOCA Professional Card?
• 6. Lotte Card Customer Support & Company Info

 

1. What is the LOCA Professional Card?

The LOCA Professional Card, offered by Lotte Card, is a premium credit card designed for those who value flexibility and rewards. With 1% cashback on every purchase—whether you’re shopping locally or traveling abroad—this card ensures you’re always earning. Additionally, the LOCA Nanugi feature allows you to divide large purchases into interest-free installments, making high-value transactions more manageable. Tailored for professionals and frequent spenders, this card combines luxury, convenience, and financial savvy.

[](https://jiwon3.lottecard.co.kr/app/LPCDADB_V100.lc?vtCdKndC=P14715-A14715)

From dining at upscale restaurants to booking international flights, the LOCA Professional Card enhances your spending power with its robust benefits and premium services. Let’s explore what makes this card a top contender in 2025.

 

2. Key Benefits of the LOCA Professional Card

The LOCA Professional Card offers a suite of benefits tailored to a premium lifestyle. Below is a detailed breakdown of its key features, including specific merchants where you can maximize your rewards.

Benefit Category	Benefit Details	Eligible Merchants
Cashback	1% cashback on all domestic and international purchases	All domestic and international merchants
LOCA Nanugi	6-month interest-free installments for purchases over 500,000 KRW	Samsung Electronics, LG Electronics, Lotte Department Store
Premium Dining	20% discount (up to 20,000 KRW/month)	Lotte Hotel, Shilla Hotel, Walkerhill Hotel
Travel Benefits	Free airport lounge access (2 times/year)	Incheon International Airport, Gimpo International Airport

Note: Benefits require meeting specific conditions, such as a minimum monthly spending of 1,000,000 KRW. Check Lotte Card’s official website for full details.

 

3. Annual Fees and Eligibility

The LOCA Professional Card comes with the following annual fees:

• Domestic Only: 300,000 KRW
• Domestic & International: 300,000 KRW

The annual fee is charged upon card issuance and renewed annually. Notably, the fee is the same for both domestic and international versions, offering flexibility for global travelers. To apply, you must be at least 19 years old and meet Lotte Card’s premium card eligibility criteria. Applications can be submitted via Lotte Card’s official website or mobile app.

 

4. Unique Advantages of the LOCA Professional Card

The LOCA Professional Card stands out in the crowded credit card market. Here are its top advantages, designed to elevate your financial experience.

Advantage 1: Universal Cashback

Unlike many cards that limit rewards to specific categories, the LOCA Professional Card offers 1% cashback on every purchase, domestic or international. Whether you’re buying groceries or booking a luxury hotel, you’re always earning.

Advantage 2: LOCA Nanugi Flexibility

The LOCA Nanugi feature lets you split purchases over 500,000 KRW into 6-month interest-free installments. This is perfect for big-ticket items like electronics or furniture, easing your cash flow without extra costs.

Advantage 3: Premium Lifestyle Perks

Enjoy exclusive benefits like 20% off at top hotels and free airport lounge access. These perks cater to professionals who value luxury and convenience in dining and travel.

Advantage 4: Trusted by Lotte Card

Backed by Lotte Card’s extensive network and stellar customer service, the LOCA Professional Card ensures reliability and support, whether you’re at home or abroad.

[](https://www.lottecard.co.kr/app/LPENGAA_V200.lc)

 

5. Why Choose the LOCA Professional Card?

In a world of endless credit card options, the LOCA Professional Card shines as a premium choice for those who demand more. Its 1% cashback on every purchase means you’re rewarded for every transaction, from daily coffee runs to international business trips. The LOCA Nanugi benefit adds unparalleled flexibility, allowing you to manage large expenses without the burden of interest fees.

Imagine dining at Lotte Hotel, enjoying a 20% discount, or relaxing in an airport lounge before a flight—free of charge. These perks aren’t just conveniences; they’re a lifestyle upgrade. With an annual fee of 300,000 KRW, the card’s value is clear for high spenders. For example, spending 30,000,000 KRW annually earns you 300,000 KRW in cashback, effectively offsetting the fee. Add in dining discounts and lounge access, and the savings soar.

Lotte Card’s reputation for reliability ensures peace of mind. Whether you need to report a lost card or inquire about benefits, their dedicated support team is just a call away. For professionals, frequent travelers, or anyone seeking a card that matches their ambitions, the LOCA Professional Card is a game-changer.

Don’t settle for less. Apply for the LOCA Professional Card today and elevate your financial strategy in 2025!

 

6. Lotte Card Customer Support & Company Info

Lotte Card is a leading credit card provider in South Korea, known for its innovative products and customer-centric approach. With a vast network of merchants and services, Lotte Card ensures a seamless experience for cardholders. For support or inquiries, contact Lotte Card via the following channels:

General Inquiries: 1588-8100

Lost Card/Limit Approval: 1588-8300

Cash Advance/Loan Inquiries: 1588-8200 / 1577-8200

Overseas Support: +82-2-2280-2400

English Consulting: 1899-8100

Visually Impaired Support: 1522-2452

For more details or to apply for the LOCA Professional Card, visit the Lotte Card official website.