# SSGPAY vs 현대카드

The clearest difference is rating: 현대카드 at 4.7 against SSGPAY's 1.7. 현대카드 also leads on ads (none vs shown) and ratings volume (3.6K vs 25). On price, update cadence, in-app purchases and device support there is nothing between them.

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

현대카드 holds the better App Store score, 4.7 against 1.7. That said, the two scores are not equally well evidenced: 현대카드 has 3.6K ratings behind it against 25, so its average is the more settled of the two. Written reviews point the same way: 20% of SSGPAY's written reviews are positive against 31% of 현대카드's.

SSGPAY ships an update every 5 weeks, 현대카드 every 6 weeks. Both last shipped on November 1, 2026.

## The numbers

| Metric | SSGPAY | 현대카드 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.7 (25 ratings)](https://appshunter.io/ios/app/ssgpay/id666237916/reviews) | **[4.7 (3.6K ratings)](https://appshunter.io/ios/app/id702653088/reviews)** |
| Number of ratings | 25 | **3.6K** |
| Positive reviews | 20.5% of reviews | **31.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 138 MB | 132 MB |
| Requires iOS | **15.0** | 15.4 |
| Devices | iPhone, iPod | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [SSG Payments Corp.](https://appshunter.io/developer/1831431206) | [HyundaiCard Co., Ltd.](https://appshunter.io/developer/362811163) |

## 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


### 현대카드

[App page](https://appshunter.io/ios/app/id702653088)

**Features:** macOS Compatibility, Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient app usage
- 🚀 Smooth app performance
- 💳 Seamless card integration

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔒 Security issues with authentication
- 🌐 Accessibility problems for overseas users
- 📢 Excessive advertisements and pop-ups

**Reported bugs**

- Login screen freezes
- Incompatibility with newer OS versions
- Card registration failures
- Inconsistent app behavior

**Requested features**

- Improved in-app navigation
- Enhanced security features
- Better support for international users
- Customizable app settings


## Frequently asked questions

### Is SSGPAY free?

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

### Is 현대카드 free?

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

### Which has better reviews, SSGPAY or 현대카드?

현대카드 is rated higher. SSGPAY averages 1.7 out of 5 from 25 ratings, while 현대카드 averages 4.7 from 3.6K ratings.

### Do SSGPAY or 현대카드 have ads?

SSGPAY shows ads; 현대카드 does not.

### Which is updated more often, SSGPAY or 현대카드?

SSGPAY ships an update every 5 weeks, and 현대카드 every 6 weeks. Most recently, SSGPAY was updated on November 1, 2026 and 현대카드 on November 1, 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.*