Card No.

Distinct 16-digit number created per card.(This is required, when you want card transactions, and when you use Shinhan Bank Vietnam homepage and phone banking : therefore, you need to be fully aware of this, and should manage it not to be exposed to others).

  Brand logo

As a brand logo of the issued card, you can use the card at the international brand merchants.

  Member’s English Name

This is the English name that you have entered upon applying for the card. (Check whether this name is the one you entered upon applying for the card and whether it matches the English name written on your passport).

  Card’s validity date
This is the validity date of your card. This card can be used until the date designed
 (Extension of the card is possible from at the earliest 3 month prior to validity expiration date. Ask your nearest Shinhan Bank Vietnam about further details).

  Member’s signature panel   
A panel in which member’s signature is made. Upon receiving the card, please sign. (When using the card at a merchant, the member must sign the same one as shown in the member signature panel).

  CVC Number

Distinct 3-digit number created by card. (This can be required for the Internet and telephone transactions. Manage the number not to be exposed to others).

  Shinhan Bank Vietnam information
The telephone number and homepage address of Shinhan Bank Vietnam are printed. (Contact us via the telephone No. and homepage upon an accident occurrence like your card being stolen or lost).

  Brand ATM logo
As the brand logo of the issued card, you can receive cash advance/cash withdrawal service from the brand ATM machine concerned.

 

- Shinhan Bank Vietnam cards can be used at worldwide at VISA merchants and ATMs.

Classification	Merchant	ATM
VISA card	Use of VISA brand merchants	Use of VISA / Plus ATM

※ Merchant use

- Upon purchasing goods/services, when you present Shinhan Bank Vietnam card to the merchant, the merchant requests transaction authorization to the Shinhan Bank Vietnam using a transaction authorization terminal.

- The transaction slip printed out from the transaction authorization terminal of the merchant is presented to the member, and the merchant requests a signature from the member.

- When the member signs the transaction slip, the merchant checks whether the signature on the back of the card (signature panel) and the signature on the transaction slip match. If they match, the copy of the transaction slip is given to the member.

- After the member checks whether the amount written on the transaction slip is correct, he/she needs to sign the slip. The copy of the slip needs to be preserved to cope with a dispute that may arise in the future. 

※ Use of e-commerce transactions

- Shinhan Bank Vietnam Card can be used for e-commerce transactions

- The SHBVN Visa Card offers a service verified by VISA in consideration of transaction safety, in the case of using the e-commerce transaction.

• Verified by Visa: When a business for Internet shopping mall is a member of the service verified by VISA,

- Enter member’s card information and set up a password for service verified by VISA.

- When setting up a password for the service verified by VISA, you can be safely involved in transactions by entering the same password with the merchant offering the service verified by VISA on the Internet.

※ Installment Payment Conversion Service

- For the purchase transaction at merchant, the member can make conversion to the transaction to 3 to 12 months installment payment

• However, this service is not offered to corporate card members.  

• The service of conversion to installment payment can be offered to only purchase payment for the transactions of the current month, whose payment has yet to be claimed. 

- The member needs to pay installment amount plus monthly fee of installment payment month on converted transaction .

- Visit the nearest Shinhan Bank Vietnam branch, fill out the application form for installment conversion service.

※  ATM use

- A Shinhan Bank Vietnam card can be used at Shinhan Bank Vietnam’s ATMs and brand ATMs worldwide by entering your password.  

• For corporate cards, cash advance and cash withdrawal from the payment account are not offered.  

- Inquiry of cash advance limit or payment account Balance is only available in Shinhan Bank Vietnam ATM. (Not available in the other Bank ATM)

- Cash advance is possible within the cash advance limit awarded to the member. Cash withdrawal from your payment account is possible within 2 million VND per withdrawal and 10 million VND per day.  

- The following ATM services of the Shinhan Bank Vietnam cards are offered

Division	Cash Advance	Cash withdrawal	Inquiry of cash advance limit or payment account balance (Not available in the other Bank ATM)
Definition	- Cash is withdrawn through an ATM within the cash advance limit of the member.	- Cash withdrawal is conducted through an ATM within the payment account balance of the member.	- Credit card cash advance limit or payment account balance of the member is inquired.
How to use an ATM	- Insert member’s Shinhan Bank Vietnam card into ATM   - Enter the six-digit password in the card password inserting page.   - Withdrawal / Balance Inquiry menu is displayed on ATM
	- Click “Withdrawal.” - Select “Credit” or “Default” among Credit/Saving/Checking/Default displayed on the page.   - Enter the cash advance amount.   - Cash is withdrawn from ATM and the transaction slip is printed out.	- Click “Withdrawal.”   - Select “Saving” or “Checking” among Credit/ Saving / Checking/ Default   - Enter the cash advance amount from the payment account.   - Cash is withdrawn from ATM, and cash withdrawal transaction slip is printed out.	- Click “Balance Inquiry.”   - From Credit/Saving/Checking/ Default displayed on the page, when you click    ① Credit or Default : cash advance remaining credit limit is inquired.    ② Saving or Checking : payment account balance is inquired.

※ This is based on Shinhan Bank Vietnam’s ATM. When using other bank’s ATM, some functions may be restricted, or using procedure can be different, depending on the ATM’s specifications or the ATM owing bank’s policy.

※ Payment Type

- The Shinhan Bank Vietnam Credit Card has two payment modes: Full amount payment mode in which full transaction amount is paid monthly on the payment due date.

• Revolving payment mode in which the amount equivalent to member-designated payment ratio is paid monthly. However, corporate cards have only the full payment mode – monthly payment on the payment due date.

• Revolving payment

- Revolving payment is to settle payment equivalent to the member-designated payment ratio monthly with regard to card transaction balance (previous month’s balance and new transaction amount during the current month’s payment is added).  

- The member can select the payment ratio: 5%, 10% or 20%.  

- The transactions to which revolving payment mode applies are purchase on credit based on purchase, and cash advance used domestically and internationally. Installment payment is not covered by the revolving payment mode.  

- When the revolving payment mode applies to a member, the revolving payment mode applies to all the cards of primary member and family members.  

- When a member uses the revolving payment mode, the revolving interest is imposed on the card transaction amount. However, when a member pays the transaction amount before the payment due date concerned, the interest payment is exempted.  

 - However, there is no financial interest exemption for cash advance. The interest is imposed from the day after the transaction date to transaction amount deposit date.

※ Payment Amount

- The Shinhan Bank Vietnam member’s VND or USD account can be designated as the payment account (in the case of a corporate account, the payment account under the corporation’s name).  

 - Card transaction statement regarding payment amount to be paid monthly is sent to the member. The payment amount is automatically withdrawn from the payment account on the member-designated payment due date.

 - When you visit the nearest Shinhan Bank Vietnam branch before payment due date, you can pay card transaction amount in advance.  

 - For international transactions or transactions using foreign currencies, they are converted into VND in VISA-designated exchange rate and concerning fee is billed to the member.

[Note in case of late payment of payment amount]

 - Check monthly sent card transaction statement, and then check whether balance in your payment account is sufficient.

 - When a member did not pay card payment amount on the payment due date, due to insufficient balance in the payment account, the member should pay late payment fee and interest for delinquency for the late payment amount.

 - The member also can receive disadvantage in using the card, such as reduction in card credit limit, cease of usage, etc.