Service Fee Schedule Applicable to International Credit Card Products (For Individual Customers)
Service Fee Schedule Applicable to International Credit Card Products (For Individual Customers)
|
No. |
Fee Name |
Fee (excluding VAT) |
||
|
Fee Level/Rate |
Minimum/Fixed |
Maximum |
||
|
1 |
Card Issuance |
|
|
|
|
1.1 |
First-time card issuance fee (1) |
Free |
|
|
|
1.2 |
Express issuance service fee (1) |
200,000 VND |
|
|
|
1.3 |
Re-issuance fee (1) |
|
|
|
|
|
Mastercard Platinum Sendo Card (2) |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Other cards |
Equal to issuance fee |
|
|
|
1.4 |
Card renewal fee |
|
|
|
|
|
Mastercard Platinum Sendo Card (2) |
|
|
|
|
|
Physical |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Non-physical |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
Other cards |
Free |
|
|
|
2 |
Credit card delivery fee |
18,182 VND |
|
|
|
2.1 |
JCB Ultimate SaviY card delivery fee |
Free |
|
|
|
3 |
Annual fee(1) (collected annually) |
|
|
|
|
3.1 |
Basic card lines |
|
|
|
|
|
Visa/ Mastercard Classic Card |
150,000 VND |
|
|
|
|
JCB Classic Card |
250,000 VND |
|
|
|
|
Visa Gold Card |
200,000 VND |
|
|
|
|
JCB Gold Card |
300,000 VND |
|
|
|
|
JCB Platinum Card (physical+non-physical) |
200,000 VND |
|
|
|
|
JCB Ultimate SaviY Card |
899,000 VND |
|
|
|
|
Visa Platinum physical Card |
|
|
|
|
|
- Cards issued from 01/03/2021 |
250,000 VND |
|
|
|
|
- Cards issued before 01/03/2021 |
1,000,000 VND |
|
|
|
|
Visa Platinum non-physical card |
125,000 VND |
|
|
|
|
Mastercard Cashback physical card |
899,000 VND |
|
|
|
|
Mastercard Cashback non-physical card |
450,000 VND |
|
|
|
|
Visa Signature Card (main card, supplementary card) |
4,999,000 VND |
|
|
|
|
UPI Credit Platinum Card |
300,000 VND |
|
|
|
3.2 |
MasterCard for Premium Banking customers |
Free |
|
|
|
|
MasterCard for Premium Banking customers – collected if the customer is no longer a Premium Banking customer |
1,000,000 VND |
|
|
|
3.3 |
Co-branded cards |
|
|
|
|
|
- JCB Platinum Vietnam Airlines physical card |
500,000 VND |
|
|
|
|
- JCB Platinum Vietnam Airlines non-physical card |
250,000 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines Card (5) |
2,500,000 VND |
|
|
|
|
- Mastercard Platinum Sendo Card |
|
|
|
|
|
Physical |
399,000 VND |
|
|
|
|
Non-physical |
399,000 VND |
|
|
|
|
- JCB Viettravel Card |
|
|
|
|
|
Classic rank |
250,000 VND |
|
|
|
|
Platinum rank |
1,000,000 VND |
|
|
|
|
- JCB Hello Kitty Card |
|
|
|
|
|
Classic rank |
250,000 VND |
|
|
|
|
Gold rank |
300,000 VND |
|
|
|
|
Platinum rank |
1,000,000 VND |
|
|
|
|
- Mastercard Garmuda Card |
1,000,000 VND |
|
|
|
|
- JCB - Vpoint Card |
200,000 VND |
|
|
|
|
Visa Payway Saigon Co.op Card |
- Free for the first year - 1,000,000 VND from the 2nd year |
|
|
|
3.4 |
Supplementary card |
|
|
|
|
|
Visa Signature |
4,999,0000 VND |
|
|
|
|
JCB Ultimate Vietnam Airlines |
2,500,000 VND |
|
|
|
|
Mastercard Platinum Sendo |
199,000 VND |
|
|
|
|
JCB Platinum (physical + non-physical) |
200,000 VND |
|
|
|
|
JCB Ultimate SaviY Card |
899,000 VND |
|
|
|
|
Other cards |
50% of main card fee |
|
|
|
4 |
Change credit limit, no change in card class |
|
|
|
|
4.1 |
Visa Signature Card |
Free |
|
|
|
4.2 |
Other cards |
Free |
|
|
|
5 |
Convert card class |
Equivalent to new issuance fee |
|
|
|
6 |
Convert from magnetic stripe card to EMV/contactless card |
Equivalent to new issuance fee |
|
|
|
7 |
Cash withdrawal |
|
|
|
|
|
At ATM |
3.64% |
Minimum fee 50,000 VND |
|
|
|
At VietinBank's transaction office/branch (via POS) |
1.82% |
Minimum fee 50,000 VND |
|
|
8 |
Credit limit confirmation service |
109,091 VND |
|
|
|
9 |
(calculated on the minimum payment amount) |
|
|
|
|
|
- Overdue debt less than 30 days |
3% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt from 30 - 60 days |
4% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt from 60 - 90 days |
6% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt from 90 - 120 days |
4% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt over 120 days |
4% |
Minimum fee 200,000 VND |
|
|
10 |
Transaction investigation (if the customer complains incorrectly) |
272,727 VND |
|
|
|
11 |
Re-issue monthly statement |
27,273 VND |
|
|
|
12 |
Re-issue PIN |
27,273 VND |
|
|
|
|
At VietinBank's transaction office/branch |
27,273 VND |
|
|
|
|
Via VietinBank iPay |
Free |
|
|
|
13 |
Re-issue copy of transaction invoice |
|
|
|
|
|
- Merchant is an agent of VietinBank |
18,182 VND |
|
|
|
|
- Merchant is not an agent of VietinBank |
272,727 VND |
|
|
|
14 |
Inquiry and print transaction receipt at ATM |
Free |
|
|
|
15 |
Currency conversion fee (6) (Only applicable to foreign currency transactions) |
|
|
|
|
|
Mastercard Premium Banking Card |
0.45%/transaction value in VND |
|
|
|
|
Visa Signature Card (8) |
0.45%/transaction value in VND |
|
|
|
|
Other cards |
1.82% of transaction value in VND |
|
|
|
16 |
Foreign currency transaction processing fee (only applicable to foreign currency transactions) |
0.91% of transaction value in VND |
|
|
|
17 |
Convert collateral for card issuance |
45,455 VND |
|
|
|
18 |
Card closure (7) |
|
|
|
|
|
At iPay |
|
|
|
|
|
- Visa Signature card |
272,727 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines card |
272,727 VND |
|
|
|
|
- Other cards |
181,818 VND |
|
|
|
|
At the counter |
|
|
|
|
|
- Visa Signature card |
181,818 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines card |
181,818 VND |
|
|
|
|
- Other cards |
136,364 VND |
|
|
|
19 |
Transaction notification service via SMS/OTT |
|
|
|
|
|
- Service registration |
Free |
|
|
|
|
- Using the service (Applicable to Visa Signature cards and other cards) |
Free |
|
|
|
|
- Service cancellation |
Free |
|
|
|
20 |
Using Visa global service |
|
|
|
|
|
- Emergency cash advance fee |
545,455 VND |
|
|
|
|
- Emergency card replacement fee |
545,455 VND |
|
|
|
21 |
Domestic currency transaction processing fee (3) |
|
|
|
|
|
Cards of the international card organization Visa and other international card organizations |
|
|
|
|
|
Transaction value <=500,000 VND |
0.8%/Transaction value |
Fixed fee 3,000 VND/transaction |
|
|
|
Transaction value > 500,000 VND |
0.8%/Transaction value |
|
|
|
|
Cards of the international card organization Mastercard |
|
|
|
|
|
Transaction value <=500,000 VND |
1%/Transaction value |
Fixed fee 8,000 VND/transaction |
|
|
|
Transaction value > 500,000 VND |
0.8%/Transaction value |
|
|
|
22 |
Increase credit card limit online (1) (4) |
50,000 VND |
|
|
Effective from September 05, 2022, this fee schedule does not include the Eliv3 International Mastercard dual card
(1) VAT is not applied
(2) Effective from November 01, 2022
(3) Effective from August 22, 2024 for VND transactions made at merchant locations with country codes other than Vietnam
(4) Effective from August 27, 2023
(5) Effective from November 15, 2023
(6) Effective from April 01, 2025
(7) Effective from May 30, 2025
(8) Effective from June 06, 2025
|
No. |
Fee Name |
Fee (excluding VAT) |
||
|
Fee Level/Rate |
Minimum/Fixed |
Maximum |
||
|
1 |
Card Issuance |
|
|
|
|
1.1 |
First-time card issuance fee (1) |
Free |
|
|
|
1.2 |
Express issuance service fee (1) |
200,000 VND |
|
|
|
1.3 |
Re-issuance fee (1) |
|
|
|
|
|
Mastercard Platinum Sendo Card (2) |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Other cards |
Equal to issuance fee |
|
|
|
1.4 |
Card renewal fee |
|
|
|
|
|
Mastercard Platinum Sendo Card (2) |
|
|
|
|
|
Physical |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
- Supplementary card |
Free |
|
|
|
|
Non-physical |
|
|
|
|
|
- Main card |
Free |
|
|
|
|
Other cards |
Free |
|
|
|
2 |
Credit card delivery fee |
18,182 VND |
|
|
|
2.1 |
JCB Ultimate SaviY card delivery fee |
Free |
|
|
|
3 |
Annual fee(1) (collected annually) |
|
|
|
|
3.1 |
Basic card lines |
|
|
|
|
|
Visa/ Mastercard Classic Card |
150,000 VND |
|
|
|
|
JCB Classic Card |
250,000 VND |
|
|
|
|
Visa Gold Card |
200,000 VND |
|
|
|
|
JCB Gold Card |
300,000 VND |
|
|
|
|
JCB Platinum Card (physical+non-physical) |
200,000 VND |
|
|
|
|
JCB Ultimate SaviY Card |
899,000 VND |
|
|
|
|
Visa Platinum physical Card |
|
|
|
|
|
- Cards issued from 01/03/2021 |
250,000 VND |
|
|
|
|
- Cards issued before 01/03/2021 |
1,000,000 VND |
|
|
|
|
Visa Platinum non-physical card |
125,000 VND |
|
|
|
|
Mastercard Cashback physical card |
899,000 VND |
|
|
|
|
Mastercard Cashback non-physical card |
450,000 VND |
|
|
|
|
Visa Signature Card (main card, supplementary card) |
4,999,000 VND |
|
|
|
|
UPI Credit Platinum Card |
300,000 VND |
|
|
|
3.2 |
MasterCard for Premium Banking customers |
Free |
|
|
|
|
MasterCard for Premium Banking customers – collected if the customer is no longer a Premium Banking customer |
1,000,000 VND |
|
|
|
3.3 |
Co-branded cards |
|
|
|
|
|
- JCB Platinum Vietnam Airlines physical card |
500,000 VND |
|
|
|
|
- JCB Platinum Vietnam Airlines non-physical card |
250,000 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines Card (5) |
2,500,000 VND |
|
|
|
|
- Mastercard Platinum Sendo Card |
|
|
|
|
|
Physical |
399,000 VND |
|
|
|
|
Non-physical |
399,000 VND |
|
|
|
|
- JCB Viettravel Card |
|
|
|
|
|
Classic rank |
250,000 VND |
|
|
|
|
Platinum rank |
1,000,000 VND |
|
|
|
|
- JCB Hello Kitty Card |
|
|
|
|
|
Classic rank |
250,000 VND |
|
|
|
|
Gold rank |
300,000 VND |
|
|
|
|
Platinum rank |
1,000,000 VND |
|
|
|
|
- Mastercard Garmuda Card |
1,000,000 VND |
|
|
|
|
- JCB - Vpoint Card |
200,000 VND |
|
|
|
|
Visa Payway Saigon Co.op Card |
- Free for the first year - 1,000,000 VND from the 2nd year |
|
|
|
3.4 |
Supplementary card |
|
|
|
|
|
Visa Signature |
4,999,0000 VND |
|
|
|
|
JCB Ultimate Vietnam Airlines |
2,500,000 VND |
|
|
|
|
Mastercard Platinum Sendo |
199,000 VND |
|
|
|
|
JCB Platinum (physical + non-physical) |
200,000 VND |
|
|
|
|
JCB Ultimate SaviY Card |
899,000 VND |
|
|
|
|
Other cards |
50% of main card fee |
|
|
|
4 |
Change credit limit, no change in card class |
|
|
|
|
4.1 |
Visa Signature Card |
Free |
|
|
|
4.2 |
Other cards |
Free |
|
|
|
5 |
Convert card class |
Equivalent to new issuance fee |
|
|
|
6 |
Convert from magnetic stripe card to EMV/contactless card |
Equivalent to new issuance fee |
|
|
|
7 |
Cash withdrawal |
|
|
|
|
|
At ATM |
3.64% |
Minimum fee 50,000 VND |
|
|
|
At VietinBank's transaction office/branch (via POS) |
1.82% |
Minimum fee 50,000 VND |
|
|
8 |
Credit limit confirmation service |
109,091 VND |
|
|
|
9 |
(calculated on the minimum payment amount) |
|
|
|
|
|
- Overdue debt less than 30 days |
3% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt from 30 - 60 days |
4% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt from 60 - 90 days |
6% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt from 90 - 120 days |
4% |
Minimum fee 200,000 VND |
|
|
|
- Overdue debt over 120 days |
4% |
Minimum fee 200,000 VND |
|
|
10 |
Transaction investigation (if the customer complains incorrectly) |
272,727 VND |
|
|
|
11 |
Re-issue monthly statement |
27,273 VND |
|
|
|
12 |
Re-issue PIN |
27,273 VND |
|
|
|
|
At VietinBank's transaction office/branch |
27,273 VND |
|
|
|
|
Via VietinBank iPay |
Free |
|
|
|
13 |
Re-issue copy of transaction invoice |
|
|
|
|
|
- Merchant is an agent of VietinBank |
18,182 VND |
|
|
|
|
- Merchant is not an agent of VietinBank |
272,727 VND |
|
|
|
14 |
Inquiry and print transaction receipt at ATM |
Free |
|
|
|
15 |
Currency conversion fee (6) (Only applicable to foreign currency transactions) |
|
|
|
|
|
Mastercard Premium Banking Card |
0.45%/transaction value in VND |
|
|
|
|
Visa Signature Card (8) |
0.45%/transaction value in VND |
|
|
|
|
Other cards |
1.82% of transaction value in VND |
|
|
|
16 |
Foreign currency transaction processing fee (only applicable to foreign currency transactions) |
0.91% of transaction value in VND |
|
|
|
17 |
Convert collateral for card issuance |
45,455 VND |
|
|
|
18 |
Card closure (7) |
|
|
|
|
|
At iPay |
|
|
|
|
|
- Visa Signature card |
272,727 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines card |
272,727 VND |
|
|
|
|
- Other cards |
181,818 VND |
|
|
|
|
At the counter |
|
|
|
|
|
- Visa Signature card |
181,818 VND |
|
|
|
|
- JCB Ultimate Vietnam Airlines card |
181,818 VND |
|
|
|
|
- Other cards |
136,364 VND |
|
|
|
19 |
Transaction notification service via SMS/OTT |
|
|
|
|
|
- Service registration |
Free |
|
|
|
|
- Using the service (Applicable to Visa Signature cards and other cards) |
Free |
|
|
|
|
- Service cancellation |
Free |
|
|
|
20 |
Using Visa global service |
|
|
|
|
|
- Emergency cash advance fee |
545,455 VND |
|
|
|
|
- Emergency card replacement fee |
545,455 VND |
|
|
|
21 |
Domestic currency transaction processing fee (3) |
|
|
|
|
|
Cards of the international card organization Visa and other international card organizations |
|
|
|
|
|
Transaction value <=500,000 VND |
0.8%/Transaction value |
Fixed fee 3,000 VND/transaction |
|
|
|
Transaction value > 500,000 VND |
0.8%/Transaction value |
|
|
|
|
Cards of the international card organization Mastercard |
|
|
|
|
|
Transaction value <=500,000 VND |
1%/Transaction value |
Fixed fee 8,000 VND/transaction |
|
|
|
Transaction value > 500,000 VND |
0.8%/Transaction value |
|
|
|
22 |
Increase credit card limit online (1) (4) |
50,000 VND |
|
|
Effective from September 05, 2022, this fee schedule does not include the Eliv3 International Mastercard dual card
(1) VAT is not applied
(2) Effective from November 01, 2022
(3) Effective from August 22, 2024 for VND transactions made at merchant locations with country codes other than Vietnam
(4) Effective from August 27, 2023
(5) Effective from November 15, 2023
(6) Effective from April 01, 2025
(7) Effective from May 30, 2025
(8) Effective from June 06, 2025
