# 디지로카(롯데카드) vs KB Pay

The clearest difference is rating: KB Pay at 3.3 against 디지로카(롯데카드)'s 2.5. KB Pay also leads on review sentiment (54% vs 20%) and ratings volume (178 vs 40). On price, update cadence, ads and in-app purchases there is nothing between them.

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

KB Pay holds the better App Store score, 3.3 against 2.5. Both are backed by a comparable volume of ratings — 40 and 178 respectively. Written reviews point the same way: 20% of 디지로카(롯데카드)'s written reviews are positive against 54% of KB Pay's.

디지로카(롯데카드) ships an update fortnightly, KB Pay every 2 weeks. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | 디지로카(롯데카드) | KB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (40 ratings)](https://appshunter.io/ios/app/id688047200/reviews) | **[3.3 (178 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** |
| Number of ratings | 40 | **178** |
| Positive reviews | 20.4% of reviews | **53.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 373 MB | 238 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LOTTE CARD CO, LTD.](https://appshunter.io/developer/368195932) | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) |

## What reviewers say

### 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


### KB Pay

[App page](https://appshunter.io/ios/app/kb-pay/id695436326)

Manage all your KB cards, assets, and lifestyle services in one app. Track payments, access loans, apply for cards, and enjoy exclusive shopping and travel deals. Optimize your spending with integrated financial tools and rewards.

**Highlights:** Card payment tracking and instant payment, Loan and credit services, Shopping and travel booking, Personalized benefits and events, Payment via bank accounts and points, Expense management and memo features

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient payment processing
- 👍 User-friendly and intuitive interface
- 💳 Seamless card payment integration
- 🎁 Good rewards and points accumulation
- 🔐 Face ID and biometric authentication support

**What reviewers complain about**

- 🌍 No English language support despite claims
- 🔐 Authentication issues for overseas users
- 🐛 Frequent app crashes and freezing
- ⚠️ Complex and cluttered interface with too many features
- 🚫 Overseas residents cannot access services

**Reported bugs**

- Card reissuance authentication fails at step 2
- Card password authentication doesn't proceed
- Infinite loop when viewing event notifications
- White screen errors preventing navigation
- App lock feature causes infinite loading screen

**Requested features**

- English language support (critical for foreigners)
- Chinese and Vietnamese language support
- Simplified interface with fewer features
- Separate pay-only app for faster performance
- Dark mode option


## Frequently asked questions

### Is 디지로카(롯데카드) free?

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

### Is KB Pay free?

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

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

KB Pay is rated higher. 디지로카(롯데카드) averages 2.5 out of 5 from 40 ratings, while KB Pay averages 3.3 from 178 ratings.

### Do 디지로카(롯데카드) or KB Pay have ads?

Both 디지로카(롯데카드) and KB Pay show ads.

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

디지로카(롯데카드) ships an update fortnightly, and KB Pay every 2 weeks. Most recently, 디지로카(롯데카드) was updated on September 21, 2026 and KB Pay 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.*