# SSGPAY vs 디지로카(롯데카드)

The clearest difference is rating: 디지로카(롯데카드) at 2.5 against SSGPAY's 1.7. 디지로카(롯데카드) also leads on update cadence (fortnightly vs every 5 weeks). On price, review sentiment, ratings volume 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.

디지로카(롯데카드) holds the better App Store score, 2.5 against 1.7. Both are backed by a comparable volume of ratings — 25 and 40 respectively. Written reviews split almost evenly too, at 20% and 20% positive.

SSGPAY ships an update every 5 weeks, 디지로카(롯데카드) fortnightly. Both last shipped on October 24, 2026.

## The numbers

| Metric | SSGPAY | 디지로카(롯데카드) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.7 (25 ratings)](https://appshunter.io/ios/app/ssgpay/id666237916/reviews) | **[2.5 (40 ratings)](https://appshunter.io/ios/app/id688047200/reviews)** |
| Number of ratings | 25 | **40** |
| Positive reviews | **20.5% of reviews** | 20.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 5 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 138 MB | 373 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SSG Payments Corp.](https://appshunter.io/developer/1831431206) | [LOTTE CARD CO, LTD.](https://appshunter.io/developer/368195932) |

## What reviewers say

### SSGPAY

[App page](https://appshunter.io/ios/app/ssgpay/id666237916)

This app allows users to make payments using various methods and earn Shinsegae Points simultaneously. It also facilitates the convenient use and gifting of mobile gift certificates, manages a digital wallet, and offers financial services like international remittances and credit card recommendations.

**Highlights:** Integrated payment and Shinsegae Point earning, Mobile gift certificate management and gifting, SSG MONEY digital wallet services, International remittances, Credit card recommendations with cashback, Change accumulation and group payment features, Event participation for free money accumulation

**In-app purchases:** none


### 디지로카(롯데카드)

[App page](https://appshunter.io/ios/app/id688047200)

This app integrates card benefits, shopping, and finance into a personalized daily experience. Discover tailored content, manage your card life, and explore curated shopping and travel services. It also offers lifestyle tracking and various reward programs.

**Highlights:** Personalized content dashboard, Card benefit management, Curated shopping marketplace, Travel booking and deals, Lifestyle tracking and insights, Reward programs and missions

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SSGPAY free?

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

### Is 디지로카(롯데카드) free?

디지로카(롯데카드) is free to download, with no in-app purchases.

### Which has better reviews, SSGPAY or 디지로카(롯데카드)?

디지로카(롯데카드) is rated higher. SSGPAY averages 1.7 out of 5 from 25 ratings, while 디지로카(롯데카드) averages 2.5 from 40 ratings.

### Do SSGPAY or 디지로카(롯데카드) have ads?

Both SSGPAY and 디지로카(롯데카드) show ads.

### Which is updated more often, SSGPAY or 디지로카(롯데카드)?

SSGPAY ships an update every 5 weeks, and 디지로카(롯데카드) fortnightly. Most recently, SSGPAY was updated on October 24, 2026 and 디지로카(롯데카드) on October 24, 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.*