Schedule of fees and charges for International Credit Card (For Individual)
Schedule of fees and charges for International Credit Card (For Individual)
|
No. |
Content |
Fee (VAT not included) |
||
|
Amount/ Rate |
Minimum |
Maximum |
||
|
1 |
Issuing Fee |
|
|
|
|
1.1 |
First-time issuance (1) |
Free |
|
|
|
1.2 |
Express issuance service (1) |
200,000 VND |
|
|
|
1.3 |
Re-issuance (1) |
|
|
|
|
|
Mastercard Platinum Sendo (2) |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Other Credit Cards |
Equal to issuance fee |
|
|
|
1.4 |
Extending Fee |
|
|
|
|
|
Mastercard Platinum Sendo Card (2) |
|
|
|
|
|
Physical Card |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Virtual Card |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
Other Credit Cards |
Free |
|
|
|
2 |
Delivery Fee |
18,182 VND |
|
|
|
3 |
Annual Fee (1) |
|
|
|
|
3.1 |
Basic Cards |
|
|
|
|
|
Visa/ Mastercard Classic |
150,000 VND |
|
|
|
|
JCB Classic |
250,000 VND |
|
|
|
|
Visa Gold |
200,000 VND |
|
|
|
|
JCB Gold |
300,000 VND |
|
|
|
|
JCB Platinum (physical/ virtual) |
200.000 VND |
|
|
|
|
Visa Platinum Physical |
|
|
|
|
|
- Issue date from March 1st 2021 |
250,000 VND |
|
|
|
|
- Issue date before March 1st 2021 |
1,000,000 VND |
|
|
|
|
Visa Platinum Virtual |
125,000 VND |
|
|
|
|
Mastercard Cashback Physical |
900,000 VND |
|
|
|
|
Mastercard Cashback Virtual |
450,000 VND |
|
|
|
|
Visa Signature (Main & Supplementary card) |
4,999,000 VND |
|
|
|
|
UPI Credit Platinum |
300,000 VND |
|
|
|
3.2 |
Mastercard Premium Banking |
Miễn phí |
|
|
|
|
Mastercard Premium Banking (applied when customer is no longer premium banking tier) |
1,000,000 VND |
|
|
|
3.3 |
Partnership Cards |
|
|
|
|
|
- JCB Platinum Vietnam Airlines Physical |
500,000 VND |
|
|
|
|
- JCB Platinum Vietnam Airlines Virtual |
250,000 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines(5) |
2,500,000 VND |
|
|
|
|
- Mastercard Platinum Sendo |
|
|
|
|
|
Physical Card |
399,000 VND |
|
|
|
|
Virtual Card |
399,000 VND |
|
|
|
|
- JCB Viettravel |
|
|
|
|
|
Classic |
250,000 VND |
|
|
|
|
Platinum |
1,000,000 VND |
|
|
|
|
- JCB Hello Kitty |
|
|
|
|
|
Classic |
250,000 VND |
|
|
|
|
Gold |
300,000 VND |
|
|
|
|
Platinum |
1,000,000 VND |
|
|
|
|
- Mastercard Garmuda |
1,000,000 VND |
|
|
|
|
- JCB - Vpoint |
200,000 VND |
|
|
|
|
Visa Payway Saigon Co.op Platinum |
- First year: FREE - From the second year: 1,000,000 VND |
|
|
|
3.4 |
Supplementary Card |
|
|
|
|
|
Visa Signature |
4,999,000 VND |
|
|
|
|
Mastercard Platinum Sendo |
199,000 VND |
|
|
|
|
Other Credit Cards |
50% of Main Card Annual Fee |
|
|
|
4 |
Change Credit Limit |
|
|
|
|
4.1 |
Visa Signature |
Free |
|
|
|
4.2 |
Other Credit Cards |
Free |
|
|
|
5 |
Change Card Classes |
First-time issuance fee applied |
|
|
|
6 |
Upgrade from Magnetic to EMV/Contactless card |
First-time issuance fee applied |
|
|
|
7 |
Cash Advance |
|
|
|
|
|
At ATM |
3.64% |
50,000 VND |
|
|
|
At VietinBank’s Branch (via POS) |
1.82% |
50,000 VND |
|
|
8 |
Credit Limit Confirmation Service |
109,091 VND |
|
|
|
9 |
Late Payment Fee (1) (Calculated on the minimum payment amount) |
|
|
|
|
|
- Overdue debts for less than 30 days |
3% |
200,000 VND |
|
|
|
- Overdue debts from 30 days to less than 60 days |
4% |
200,000 VND |
|
|
|
- Overdue debts from 60 days to less than 90 days |
6% |
200,000 VND |
|
|
|
- Overdue debts from 90 days to less than 120 days |
4% |
200,000 VND |
|
|
|
- Overdue debts for more than 120 days |
4% |
200,000 VND |
|
|
10 |
Transaction Investigation Fee |
272,727 VND |
|
|
|
11 |
Duplicate Monthly Statement Fee |
27,273 VND |
|
|
|
12 |
PIN Re-Issue Fee |
27,273 VND |
|
|
|
|
At VietinBank’s Branch |
27,273 VND |
|
|
|
|
Online via VietinBank iPay |
Free |
|
|
|
13 |
Re-issue transaction invoices (copy) |
|
|
|
|
|
- At VietinBank’s merchants |
18,182 VND |
|
|
|
|
- At other merchants |
272,727 VND |
|
|
|
14 |
Querying and printing transaction receipts at ATMs |
FREE (*) |
|
|
|
15 |
Foreign Currency Exchange Fee (6) |
|
|
|
|
|
Mastercard Premium Banking |
0.45% of the transaction amount in VND |
|
|
|
|
Others |
1.82% of the transaction amount in VND |
|
|
|
16 |
Foreign Currency Transaction Processing Fee (applied for foreign currency transactions only) |
0.91% of the transaction amount in VND |
|
|
|
17 |
Changing Collateral for Issuing Card |
45,455 VND |
|
|
|
18 |
Close Card |
|
|
|
|
|
At iPay Mobile App |
|
|
|
|
|
- Visa Signature |
181,818 VND |
|
|
|
|
- Mastercard Platinum Sendo (2) |
80,000 VND |
|
|
|
|
- Other Credit Cards |
136,364 VND |
|
|
|
|
At VietinBank Branches |
|
|
|
|
|
- Visa Signature |
181,818 VND |
|
|
|
|
- Mastercard Platinum Sendo |
100,000 VND |
|
|
|
|
- Other Credit Cards |
136,364 VND |
|
|
|
19 |
Transaction notification (SMS/OTT) |
|
|
|
|
|
- Register Fee |
Free |
|
|
|
|
- Notification Fee ) |
Free |
|
|
|
|
- Unsubscribe Fee |
Free |
|
|
|
20 |
Using Visa Global Service |
|
|
|
|
|
- Urgent cash advance fee |
545,455 VND |
|
|
|
|
- Urgent card replacement fee |
545,455 VND |
|
|
|
21 |
Domestic Currency Transaction Processing Fee (3) |
|
|
|
|
|
Transaction amount <= 500,000 |
2.27% |
1,000 VND |
|
|
|
Transaction amount > 500,000 |
0.45% |
|
|
|
22 |
Online Increase card limit (1); (4) |
50,000 VND |
|
|
Applied from September 05th 2022
(1) No VAT applied
(2) Applied from November 01st 2022
(3) Applied from February 21st 2023 to transaction in VND at merchants which countries code is not Vietnam
(4) Applied from August 27th 2023
(5) Applied from November 15th 2023
(6) Applied from April 1st 2024
(*) Expected to be effective from July 22, 2024
|
No. |
Content |
Fee (VAT not included) |
||
|
Amount/ Rate |
Minimum |
Maximum |
||
|
1 |
Issuing Fee |
|
|
|
|
1.1 |
First-time issuance (1) |
Free |
|
|
|
1.2 |
Express issuance service (1) |
200,000 VND |
|
|
|
1.3 |
Re-issuance (1) |
|
|
|
|
|
Mastercard Platinum Sendo (2) |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Other Credit Cards |
Equal to issuance fee |
|
|
|
1.4 |
Extending Fee |
|
|
|
|
|
Mastercard Platinum Sendo Card (2) |
|
|
|
|
|
Physical Card |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Virtual Card |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
Other Credit Cards |
Free |
|
|
|
2 |
Delivery Fee |
18,182 VND |
|
|
|
3 |
Annual Fee (1) |
|
|
|
|
3.1 |
Basic Cards |
|
|
|
|
|
Visa/ Mastercard Classic |
150,000 VND |
|
|
|
|
JCB Classic |
250,000 VND |
|
|
|
|
Visa Gold |
200,000 VND |
|
|
|
|
JCB Gold |
300,000 VND |
|
|
|
|
JCB Platinum (physical/ virtual) |
200.000 VND |
|
|
|
|
Visa Platinum Physical |
|
|
|
|
|
- Issue date from March 1st 2021 |
250,000 VND |
|
|
|
|
- Issue date before March 1st 2021 |
1,000,000 VND |
|
|
|
|
Visa Platinum Virtual |
125,000 VND |
|
|
|
|
Mastercard Cashback Physical |
900,000 VND |
|
|
|
|
Mastercard Cashback Virtual |
450,000 VND |
|
|
|
|
Visa Signature (Main & Supplementary card) |
4,999,000 VND |
|
|
|
|
UPI Credit Platinum |
300,000 VND |
|
|
|
3.2 |
Mastercard Premium Banking |
Miễn phí |
|
|
|
|
Mastercard Premium Banking (applied when customer is no longer premium banking tier) |
1,000,000 VND |
|
|
|
3.3 |
Partnership Cards |
|
|
|
|
|
- JCB Platinum Vietnam Airlines Physical |
500,000 VND |
|
|
|
|
- JCB Platinum Vietnam Airlines Virtual |
250,000 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines(5) |
2,500,000 VND |
|
|
|
|
- Mastercard Platinum Sendo |
|
|
|
|
|
Physical Card |
399,000 VND |
|
|
|
|
Virtual Card |
399,000 VND |
|
|
|
|
- JCB Viettravel |
|
|
|
|
|
Classic |
250,000 VND |
|
|
|
|
Platinum |
1,000,000 VND |
|
|
|
|
- JCB Hello Kitty |
|
|
|
|
|
Classic |
250,000 VND |
|
|
|
|
Gold |
300,000 VND |
|
|
|
|
Platinum |
1,000,000 VND |
|
|
|
|
- Mastercard Garmuda |
1,000,000 VND |
|
|
|
|
- JCB - Vpoint |
200,000 VND |
|
|
|
|
Visa Payway Saigon Co.op Platinum |
- First year: FREE - From the second year: 1,000,000 VND |
|
|
|
3.4 |
Supplementary Card |
|
|
|
|
|
Visa Signature |
4,999,000 VND |
|
|
|
|
Mastercard Platinum Sendo |
199,000 VND |
|
|
|
|
Other Credit Cards |
50% of Main Card Annual Fee |
|
|
|
4 |
Change Credit Limit |
|
|
|
|
4.1 |
Visa Signature |
Free |
|
|
|
4.2 |
Other Credit Cards |
Free |
|
|
|
5 |
Change Card Classes |
First-time issuance fee applied |
|
|
|
6 |
Upgrade from Magnetic to EMV/Contactless card |
First-time issuance fee applied |
|
|
|
7 |
Cash Advance |
|
|
|
|
|
At ATM |
3.64% |
50,000 VND |
|
|
|
At VietinBank’s Branch (via POS) |
1.82% |
50,000 VND |
|
|
8 |
Credit Limit Confirmation Service |
109,091 VND |
|
|
|
9 |
Late Payment Fee (1) (Calculated on the minimum payment amount) |
|
|
|
|
|
- Overdue debts for less than 30 days |
3% |
200,000 VND |
|
|
|
- Overdue debts from 30 days to less than 60 days |
4% |
200,000 VND |
|
|
|
- Overdue debts from 60 days to less than 90 days |
6% |
200,000 VND |
|
|
|
- Overdue debts from 90 days to less than 120 days |
4% |
200,000 VND |
|
|
|
- Overdue debts for more than 120 days |
4% |
200,000 VND |
|
|
10 |
Transaction Investigation Fee |
272,727 VND |
|
|
|
11 |
Duplicate Monthly Statement Fee |
27,273 VND |
|
|
|
12 |
PIN Re-Issue Fee |
27,273 VND |
|
|
|
|
At VietinBank’s Branch |
27,273 VND |
|
|
|
|
Online via VietinBank iPay |
Free |
|
|
|
13 |
Re-issue transaction invoices (copy) |
|
|
|
|
|
- At VietinBank’s merchants |
18,182 VND |
|
|
|
|
- At other merchants |
272,727 VND |
|
|
|
14 |
Querying and printing transaction receipts at ATMs |
FREE (*) |
|
|
|
15 |
Foreign Currency Exchange Fee (6) |
|
|
|
|
|
Mastercard Premium Banking |
0.45% of the transaction amount in VND |
|
|
|
|
Others |
1.82% of the transaction amount in VND |
|
|
|
16 |
Foreign Currency Transaction Processing Fee (applied for foreign currency transactions only) |
0.91% of the transaction amount in VND |
|
|
|
17 |
Changing Collateral for Issuing Card |
45,455 VND |
|
|
|
18 |
Close Card |
|
|
|
|
|
At iPay Mobile App |
|
|
|
|
|
- Visa Signature |
181,818 VND |
|
|
|
|
- Mastercard Platinum Sendo (2) |
80,000 VND |
|
|
|
|
- Other Credit Cards |
136,364 VND |
|
|
|
|
At VietinBank Branches |
|
|
|
|
|
- Visa Signature |
181,818 VND |
|
|
|
|
- Mastercard Platinum Sendo |
100,000 VND |
|
|
|
|
- Other Credit Cards |
136,364 VND |
|
|
|
19 |
Transaction notification (SMS/OTT) |
|
|
|
|
|
- Register Fee |
Free |
|
|
|
|
- Notification Fee ) |
Free |
|
|
|
|
- Unsubscribe Fee |
Free |
|
|
|
20 |
Using Visa Global Service |
|
|
|
|
|
- Urgent cash advance fee |
545,455 VND |
|
|
|
|
- Urgent card replacement fee |
545,455 VND |
|
|
|
21 |
Domestic Currency Transaction Processing Fee (3) |
|
|
|
|
|
Transaction amount <= 500,000 |
2.27% |
1,000 VND |
|
|
|
Transaction amount > 500,000 |
0.45% |
|
|
|
22 |
Online Increase card limit (1); (4) |
50,000 VND |
|
|
Applied from September 05th 2022
(1) No VAT applied
(2) Applied from November 01st 2022
(3) Applied from February 21st 2023 to transaction in VND at merchants which countries code is not Vietnam
(4) Applied from August 27th 2023
(5) Applied from November 15th 2023
(6) Applied from April 1st 2024
(*) Expected to be effective from July 22, 2024
