# HD현대오일뱅크 카앤 vs 스마일페이 SmilePay

The clearest difference is monetization model: 스마일페이 SmilePay at free against HD현대오일뱅크 카앤's ad-supported. HD현대오일뱅크 카앤's advantage is iOS requirement (13.0 vs 15.0). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

HD현대오일뱅크 카앤 ships an update every 5 weeks, 스마일페이 SmilePay every 2 months. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | HD현대오일뱅크 카앤 | 스마일페이 SmilePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.4 (5 ratings)](https://appshunter.io/ios/app/smilepay/id1411684977/reviews)** |
| Number of ratings | — | **5** |
| Positive reviews | **37.0% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 154 MB | 42 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [HD HYUNDAI OILBANK CO., LTD.](https://appshunter.io/developer/443894359) | [주식회사 스마일페이먼츠](https://appshunter.io/developer/6777917500) |

## What reviewers say

### HD현대오일뱅크 카앤

[App page](https://appshunter.io/ios/app/hd/id443894356)

This comprehensive car life platform offers integrated services from refueling to car maintenance and rentals. Enjoy convenient and discounted refueling, exclusive monthly benefits, and personalized member perks. Save your vehicle and card information for a faster, smoother experience.

**Highlights:** Smart refueling with pre-payment, Monthly refueling and car wash passes, Exclusive member grade benefits, Save vehicle and card information, Find nearby gas stations, Car maintenance services

**In-app purchases:** none


### 스마일페이 SmilePay

[App page](https://appshunter.io/ios/app/smilepay/id1411684977)

This app offers a smart shopping solution for quick and secure payments, combining loyalty points and coupons. It supports various payment methods and provides exclusive benefits like cashback and discounts. Users can also convert accumulated points from partner services into usable cash.

**Highlights:** In-store payment with rewards and coupons, Enhanced security with fingerprint payment, Supports multiple payment methods (cards, bank accounts, mobile), Accumulates cashback and discounts, Converts partner points to Smile Cash

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HD현대오일뱅크 카앤 free?

HD현대오일뱅크 카앤 is free to download, with no in-app purchases.

### Is 스마일페이 SmilePay free?

스마일페이 SmilePay is free to download, with no in-app purchases.

### Do HD현대오일뱅크 카앤 or 스마일페이 SmilePay have ads?

Both HD현대오일뱅크 카앤 and 스마일페이 SmilePay show ads.

### Which is updated more often, HD현대오일뱅크 카앤 or 스마일페이 SmilePay?

HD현대오일뱅크 카앤 ships an update every 5 weeks, and 스마일페이 SmilePay every 2 months. Most recently, HD현대오일뱅크 카앤 was updated on September 23, 2026 and 스마일페이 SmilePay on September 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*