Hyundai Card to Provide PLCC Partners with AI Solutions Worth "Tens of Billions of Won" for Free

Hyundai Card's PLCC 2.0... Differentiated by an AI-Based Data Alliance

Hyundai Card said on November 10 that it is strengthening its "PLCC 2.0" strategy by providing artificial intelligence (AI) solutions free of charge to its private label credit card (PLCC) partners.

Hyundai Card's artificial intelligence (AI)-based data science platform, UNIVERSE. Hyundai Card

When it launched two "Genesis Hyundai Card" products in September 2026, Hyundai Card agreed to provide Genesis with its AI package, "UNIVERSE for Partners (U4P)."

"UNIVERSE" is Hyundai Card's data science platform, developed based on the company's proprietary "PDI tags." The platform combines various AI models, including recommendation, prediction and optimization models, in a modular format based on the PDI tag system.

U4P is a solution that allows partners to select and adopt the AI models they need from UNIVERSE. Partners can carry out AI-based hyper-personalized marketing without building a separate data system.

Each partner that adopts U4P can run AI-based hyper-personalized marketing tailored to its business objectives, and can upgrade the solution through Hyundai Card, much like Tesla's Full Self-Driving (FSD) system.

Hyundai Card has invested KRW 1 trillion in digital transformation over the past 10 years and exported UNIVERSE to a Japanese company in a deal worth tens of billions of won. Building on this, the company plans to provide U4P free of charge to its PLCC partners and step up collaboration through "Domain Cosmos," a data alliance encompassing 260 million people.

Hyundai Card plans to further advance data collaboration through Domain Cosmos, which it formed with PLCC partners that are committed to data science collaboration. The data alliance, built around Hyundai Card's UNIVERSE platform, is also expected to expand into a global network.

From left: "Genesis Hyundai Card the Honors" and "Genesis Hyundai Card." Hyundai Card.

Hyundai Card is also expanding its card benefits and cultural marketing. In August 2026, it launched the "Naver Hyundai Card Edition3" and "Olive Young Hyundai Card Plus," followed by two Genesis Hyundai Card products in September.

The Naver Hyundai Card Edition3 and Olive Young Hyundai Card Plus have received praise for maximizing rewards in key spending categories while lowering annual fees and the previous month's spending thresholds.

From December 25 to 27, 2026, Hyundai Card will hold "Hyundai Card Culture Project 32" on Yeongjong Island, Incheon, featuring six top female tennis players from around the world. It is the first cultural marketing project jointly presented by Hyundai Card and Naver, as well as a new model of collaboration following Hyundai Card's data science-based partnerships with its PLCC partners.

Starting with this Culture Project, Hyundai Card plans to organize a range of cultural events for PLCC members. PLCC partners are expected to have the opportunity to boost their marketing by offering Hyundai Card's cultural assets to their own members.

Hyundai Card also plans to continue broad-based strategic collaboration with its PLCC partners. Since launching the "Korean Air Card" in 2020 as Korea's first airline-branded credit card, Hyundai Card and Korean Air have carried out a range of collaborations, including around 100 hyper-personalized marketing campaigns and a memorandum of understanding on the transportation of artworks for exhibitions at Hyundai Card Storage. Most recently, Hyundai Card took part as a sponsor in Korean Air's introduction of Starlink-based in-flight Wi-Fi, a service the airline is pursuing as the first major full-service carrier (FSC) in East Asia to do so.

Hyundai Card and Emart have generated broad-based synergies over the past decade since launching Korea's first PLCC, the "Emart e Card," in 2015. Successful collaborations have included campaigns targeting potential customers to increase Emart's average monthly usage rate and average transaction value, as well as ready-meal collaborations with popular restaurants identified using Hyundai Card payment data.

Hyundai Card described PLCC 2.0 as a new paradigm that combines strong credit card rewards with exclusive cultural event benefits and strengthens data alliances through AI in collaboration with partners committed to data collaboration. The company emphasized that PLCC 2.0 is a comprehensive upgrade from PLCC 1.0.

A Hyundai Card representative said, "We will offer a new generation of PLCCs that have grown in both scale and quality by providing members with unmatched rewards and giving our partners access to unique AI solutions and cultural marketing capabilities."

This content was produced with the assistance of AI translation services.