shinhan visa credit cards · as soon as you receive your new credit card, choose one of below...

USER GUIDE

SHINHANVISA CREDIT CARDS

Understanding your Shinhan Visa Credit card 03Page

Benefits at a glance 04Page

Using Shinhan Visa Credit card 05Page

Shinhan Rewards Program 07Page

Shinhan Visa Credit card services 09Page

Exclusive privileges for Shinhan Visa Platinum cardholders 12Page

Settling your Shinhan Visa Credit card balance 14Page

Managing Shinhan Visa Credit card account 18Page

Security tips 19Page

CONTENT

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USER GUIDE FOR SHINHAN VISA CREDIT CARDS

UNDERSTANDING YOUR SHINHAN VISA CREDIT CARD

· EMV Chip*

· Cardholder Full Name

· Product Name

· Visa Logo Your card is widely accepted for payment at merchants worldwide wherever a Visa logo is displayed.

· Card Number

· Validity Date

· 24/7 Customer Service

· CVC NumberThis number may be required when you make online purchases.

· Withdraw cash from any ATMs displaying the Plus logo around the world.

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· Paywave logo Your card can be used to make Contactless transaction.

· Buy now, pay later, up to 45 days free of interest on purchases

· Easy and convenient payment at merchants worldwide wherever a Visa logo is displayed.

· Fast and secured online transaction with Verified by Visa service.

· Attractive cash back, point and mile rewards from Shinhan for your card spending.

· Instant discount up to 50% at over 200 Shinhan Zone merchants.

ENJOYING BENEFITS WITH SHINHAN VISA CREDIT CARD

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· 0% interest installment plan allows you to convert your card purchases at Shinhan partner merchant into installment repayment with tenor up to 12 months.

· Flexicash service enable you to get cash disbursement for up to 90% your credit card limit with preferential interest.

· Effective card management with convenient digital platforms.

· Flexible repayment with minimum amount only 5% of your monthly card outstanding balance with a variety of convenient payment methods.


After you receive your new credit card, the default PIN number will be sent to your registered address. You can use this PIN or create a PIN of your choice by visiting Shinhan branches/ transaction offices.

This PIN number is required for ATM transactions or other card transaction that required PIN number.

As soon as you receive your new credit card, choose one of below methods to activate it:

When you make payment with your Shinhan Visa Credit card, your transaction details are sent from the retailer or service provider to Shinhan. Your available credit limit is then reduced by the amount of the transaction and the details are recorded on your Shinhan Visa Credit card statement.

It is important to carefully check the transaction details and sign the sales slip that is printed from POS terminal. Please retain a copy of the charge slip for future reference.

USING YOURSHINHAN VISA CREDIT CARD

1 Activating your card

Purchasing Goods and Services

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Changing PIN number

Text ACT<space><4 last card digists> to 6089

Call Contact Center at 1900 1577

Visit Shinhan branch/Transaction office and provide your National ID/Passport


Your Shinhan Visa Credit card can also be used for online purchases on e-commerce websites. Shinhan Bank Vietnam provides Verified by Visa (VbV) service giving you extra security when you shop online with your Shinhan Visa Credit card .

How to register your VbV (Verified by Visa):

1 | For the first time VbV registration, at Payment Page of merchant, customers are advised to input payment information.

2 | At Card Verification page, input your payment information including: your card number, expiry date, CVV2 number. At the following step, the customer has to accept VbV Terms & Conditions.

3 | At OTP registration page, please click "Generate OTP" button. Within 20 seconds, OTP Password will be automatically sent to your registered mobile number via SMS/ Email. Lastly, please click "Submit" to complete the process.

Steps to make transaction at ATM*

1 | Insert your card into the card slot on ATM.

2 | Enter your PIN number (6 digits) on the Password screen.

3 | Choose ‘Withdrawal’.

4 | Select Account type: - Cash withdrawal transaction: choose ‘Payment’ - Cash advance transaction: choose ‘Credit’ or ‘Default’

5 | Enter the amount you wish to withdraw/get cash advance.

6 | Take your cash and transaction receipt (if any).

Your Shinhan Visa Credit card can be used to make cash withdrawal /cash advance at Shinhan ATMs or any ATM displaying the Visa/Plus logo all around the world.· Cash withdrawal transaction: is to withdraw cash from the registered Shinhan Debit Account

linked to your Shinhan Visa Credit card.· Cash advance transaction: is to withdraw cash from your available credit limit.

USING YOURSHINHAN VISA CREDIT CARD

4 Online

At ATM

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* The display and wordings may be different depending on each kind of ATM.


When customer is transacting online, the website will display a Shinhan Verified by Visa or Mastercard Secured Code authentication screen. Cardholder must enter the 6-digit OTP toinitiate the authentication process. The OTP helps to protect against online frauds.

The total amount of your cash back, mile and point rewards will be reflected on your credit card statement with below details:· Cash back/ miles/ points earned from last month.· Cash back/ miles/ points earned this month.· Cash back/miles/ points currently available.

* Details of each reward program and relevant terms and conditions are applied to each product type and updated on website www.shinhan.com.vn

Shinhan Rewards Program is cash back (Cash Back), point rewards (Shinhan Points), mile rewards (Shinhan Miles) granted to card account/ Shinhan Point account/ Shinhan Mile account of Primary cardholders based on eligible card spending within pre-defined period of each program and product type.

SHINHAN REWARDSPROGRAM

Introduction

Monitoring your rewards

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Product type

PWM

Travel

Hi-Point

Cash Back

Cash Back Shinhan Miles Shinhan Points


*The redeemed Miles must be a multiple of 1,000.

Cash back rewards will be shown on your card monthly statement and directly reduced into your monthly card outstanding balance.

Remption Channel: Contact Center 1900 1577Minimum miles required: 1000 MilesThe redeemed miles must be a multiple of 1000Cardholders must have the membership account at airlines before redeeming miles

Remption Channel: Contact Center 1900 1577Used your e-voucher at www.agoda.com/Shinhanredemption

SHINHAN REWARDSPROGRAM

Using your Cash Back

You can redeem your Shinhan Points into cash, LotteMart membership points or Lotus Miles. Details are as belows:

Using your Shinhan Points

You can redeem your Shinhan Miles into miles of Shinhan’s airlines partners or Agoda voucher.

Using your Shinhan miles

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Type of Redemption Redemption channelsMinimum points

required

CASH BACK

Get cash

To be credited intoShinhan DemandAccount

Shinhan branches/ transaction offices

Shinhan branches/ transaction officesContact center 1900 1577

Internet Banking

15,000 Points = 15,000 VND

270,000 Points =1,000 Miles

15,000 Points = 15,000 LotteMart

membership points

LotteMartmembership points

Contact Center 1900 1577

Contact Center 1900 1577Fly Miles(270 Points = 1 Miles)

2,800 Shinhan Miles = Agoda e-voucher

valued VND 1 million

1 Shinhan Mile= 1 KrisFlyer Mile

1 Shinhan Mile= 1 Asia Mile

1 Shinhan Mile= 1 Lotusmile


* Points shall not be redeemed if the Cardholder is in delinquency status at time of redemption request.

* Miles shall not be redeemed if the Cardholder is in delinquency status at time of redemption request.

Samsung Pay is a mobile payment service designed for Samsung smartphones, enabling customer to integrate Shinhan card information into his/her Samsung mobile device to make fast and secured transactions just by simply tap the device on the terminal (POS) at almost all retailers.

Gone are the days of searching through your wallet or purse or finding the right cards. In addition, Samsung Pay adds a level of security to your payment information that physical cards don't have.

This service is applied to all kinds of Shinhan Credit cards.

SHINHAN VISA CREDIT CARDSERVICES

Samsung Pay

Now, it is so easy to make payment for your various monthly service bills with Shinhan Visa Credit card bill payment service. Depending on your demand, you can register single payment or monthly auto payment for free.

The bill payment transactions shall not be applicable for Shinhan Rewards program.

Please visit your nearest Shinhan Bank branch/ transaction office with the service bill that you want to register payment.

You can register bill payment via Shinhan Visa Credit card for a wide range of service providers. For detailed list of service providers, please refer to www.shinhan.com.vn

Bill payment service via Shinhan Visa Credit card

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Electricity Water Fixed telephone/Post paid

mobile phone

SWIPESwipe up to launch

Samsung pay

AUTHENTICATESelect your Shinhan card

and authorize payment withyour fingerprint/lrises or PIN

SWIPETap your mobile on the side

of the card reader device

Cable TV Internet Bus/ Train/Air ticket

Tuition fee

How to use Samsung Pay:

How to install Samsung Pay: please visit www.shinhan.com.vn


* This service is not applied to cash advance transaction, jewelry/gold/silver purchase. The installment conversion request must be made at least 7 days before payment due date.

Terms and conditions applied. For details of each program, please visit www.shinhan.com.vn

Receive offer up to 50% discount when making payment with Shinhan Visa Credit card at over 200 Shinhan’s partner merchants nation wide.

For more information, please refer to https://shinhan.com.vn/en/shinhan-zone


Shinhan Zone

Installment Plan

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Flexible installment at any brand of your choice with preferential interest:

With card transaction from 3 million VND at any merchant, you can request to convert into installment repayment with tenor up to 18 months, preferential interest and No conversion fee.

Please call our Contact center 1900-1577 or visit Shinhan branch/ TO to request installment conversion

· Please settle payment by using your Shinhan Visa Credit card and complete the registration form when shopping at Shinhan partner merchant’s stores or select Installment Payment option on Shinhan partner’s e-Commerce websites.

· After getting information from our partners, Shinhan will convert the card transaction amount in to installment repayment with the registered tenor. A confirmation SMS will be sent to your registered mobile number, after transaction is successfully converted.

· If you do not receive the confirmation SMS within 14 working days from the purchase date, please immediately call Shinhan Contact Center at 1900 1577 for further support.

· Transaction can only be converted to installment repayment before its first statement date.

Installment plan with 0% interest

It is now so easy to own your favorite items with 0% interest installment plan, up to 12-month tenor for Shinhan Visa Credit card purchase at Shinhan’s partners nationwide.

* How to register?


Fore more information, please refer to:

https://shinhan.com.vn/en/shinhan_card_category_service/installment-plan.html

Please choose one of below methods to register:

Text SHCARD-TM to 6089

Call 1900 1577

Visit your nearest Shinhan branch/transaction office.

Leave your contact at www.shinhan.com.vn

· FlexiCash registration fee: VND 400,000 (VAT is not applied. This fee is only calculated after FlexiCash request was successfully completed).

· Cardholders get the disbursement to their Shinhan Demand Account.

· Early repayment fee: 2% of outstanding balance (min VND 200,000).

Shinhan primary credit cardholders who have a good credit standing, are eligible to get cash disbursement fast and easily from their available credit limit.

This service is applied for Vietnamese customers only.

Please refer the detail Interest rates, tenors, terms and conditions applied for this service at www.shinhan.com.vn


FlexiCash

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How to register?:

Note:


· This service is applied from time to time. Kindly contact our Contact Center 1900-1577

or the nearest Shinhan Bank Branch for more information.

* For secured card, Shinhan Platinum Card Member Certificate and Platinum Card Usage Statement can be issued after 03 months from the card issuance date* The decision of granting visa is at Korea Embassy/ Consulate discretion

How easy it is to visit South Korea!

Convenient and worry-fee application for Tourist visa at South Korea Embassy (in Hanoi) and Korean General Consulate (in HCM City):

· Exempted from financial proof.

· Simplified application procedures.

· Priority in applying Multi-entry visa (multiple visits without re-applying for each trip).

You should have your card spending at least 01 calendar month before applying for Korea visa.

Please contact your nearest Shinhan branch/ Transaction office to issue Shinhan Platinum Card Member Certificate and Platinum Card Usage Statement in case you want to apply for Korea visa.

EXCLUSIVE PRIVILEGES FOR SHINHAN VISA PLATINUM CARDHOLDERS

South Korea tourist visa privilege

Travel with peace of mind and comfort. Shinhan offers the Global Travel Insurance for Visa Platinum cardholders and their beloved ones with following interest:

· Interest 1 – Death and Injury: maximum VND 12,000,000,000.

· Interest 2 – Journey delay: maximum VND 10,500,000.

· Interest 3 – Baggage delay: maximum VND 12,000,000.

· Interest 4 – Loss of baggage: maximum VND 42,000,000/ person (up to VND 12,000,000 for any item or set of items, up to VND 21,000,000 for laptop).

Global Assistance 24/7: (84-28)38 275 328. Hotline PVI: 1900 5454 58

The Insurance is applied when cardholder use Shinhan Visa Platinum card to make payment for one of following cases:

· Total fare cost of common carrier before departure.

· or at least 80% of package tour before departure.

· or at least VND 11.000.000 for overseas arising expenditure within the journey.

* Notice:

· Please refer to the Insurance Certificate and Insurance Terms and conditions wordings on website www.shinhan.com.vn

· Kindly keep all the related card sales slips, ticket, boarding pass, your journey related documents, documents evidencing loss from airlines/ tour operator/ airport/ hotel/ police, etc and other relevant documents to submit to the Insurance company when required.

· For claim please contact PVI Dong Nam Bo Insurance Co.

Receiver: Mr. Tran Hai Dang

Email: [email protected]

Phone: 1900 5454 58

Complimentary Global Travel insurance

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Tee off with special 50% discount on green fees on weekday for Shinhan Visa Platinum credit cardholders at Vietnam leading Golf Clubs as below:

· Vietnam Golf & Country Club (District 9, Ho Chi Minh City)

· King's Island Golf Club (Son Tay, Hanoi)

· Long Thanh Golf Club (Long Thanh, Dong Nai)

· FLC Samson Golf Link

· Montgomerie Link Golf Club (Dien Ban, Quang Nam)

· FLC Quy Nhon Golf Link

· Bo Chang Dong Nai Golf Club (Trang Bom, Dong Nai)

This program is offered by Visa. You are required to make advance booking. For reservation and other details, please contact: Hotline: (028) 3824 0578, or Email: [email protected]

Program validity: till 30/09/2019, valid for weekday only

For detailed Terms and Conditions, participating golf clubs, program extension (if any), please visit visa.com.vn

EXCLUSIVE PRIVILEGES FOR SHINHAN VISA PLATINUM CARDHOLDERS

Golf Privileges

Shinhan Visa Platinum credit cardholder is entitled to one complimentary main course from Visa menu upon booking for 2 or more diners.

This program is offered by Visa. You are required to make advance booking. For reservation and other details, please contact: Hotline: +84 28 3824 0515, or Email: [email protected]

Program validity: till 30/09/2019, valid for weekday only

For detailed Terms and Conditions, participating restaurant, program extension (if any), please visit visa.com.vn

Premium Dining Privileges

This privilege is dedicated to Shinhan PWM Platinum and Shinhan Travel Platinum credit cardholders only.· Complimentary food and drinks· Free internet/wifi· Newspapers and magazines

Regardless of the travel class and the airline flown with, you will be warmly served at high-class lounges with full of facilities. After 7 working days from the issuance date, Shinhan will send a SMS including the membership ID and activation code to the mobile number you registered with Shinhan.

Travel Platinum cardholder is entitled to one (01) complimentary airport lounge visit per quarter and free membership sign up. PWM Platinum cardholder is entitled to three (03) complimentary airport lounge visit per quarter and free membership sign up.

Complimentary VIP Lounge access at 1,100 airports worldwide

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· Entertainment facilities,· Conference room


You will receive your Shinhan Credit Card Statement on monthly basis in a method that you registered with Shinhan. If you receive your Statement via Email, the E-Statement will be attached in PDF format and encrypted for security purpose. Kindly follow the instructions in the Email to open your Statement.

Your Statement will include the following contents:

SETTLING YOUR VISA CREDIT CARDBALANCE

Understand your Shinhan Credit Card Statement

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USER GUIDES FOR SHINHAN VISA CREDIT CARDS

Bảng Sao Kê Giao Dịch Thẻ Tín Dụng Shinhan Shinhan Credit Card Statement

• Khách hàng Card holder Name

• Địa chỉ Address

• Dư nợ kỳ trước Previous Statement Balance

31,326,700

• Giao dịch trong tháng This Month Transactions

26,200,218

• Thanh toán Payments 9,576,700

• Dư có Surplus

0

Mua hàng và Ứng �ền mặt Purchase & Cash Advance

Tiền mặt linh hoạt Flexi-Cash

Trả góp Installment

Dư nợ cuối kỳ Statement Balance

23,950,218

23,485,000

2,704,218

0

Thanh toán tối thiểu Minimum Payment

3,766,518

Tóm tắt Sao kê Thẻ tín dụng Statement Summary

Chương trình Điểm thưởng, Dặm thưởng, Hoàn tiền Reward Programs

Ưu đãi Reward Type

Ưu đãi còn lại từ tháng trước

Last month remaining reward

Ưu đãi tháng này This month reward

Ưu đãi hiện có Available reward

Ưu đãi sẽ hết hạn vào 01.2019 Reward will be expired by 01.2018

Shinhan Points 7,581 107,819 115,400

Shinhan Miles

Cash -Back

Lãi & Phí Fees & Charges

11,000

KIM SHINHAN

138 -142 HAI BA TRUNGP.DAKAO, Q.1, TP HCM

Nợ quá hạn Overdue

0

Tiền mặt linh hoạt Flexi-Cash

Shinhan Zone

Trả góp 0% lãi suất 0% Installment

Up to 50% Discount

Mua 1 tặng 1 Buy 1 get 1

Ưu đãi Đặc biệt Special O�ers ☞ Click!

• Mã Khách hàng Member No.

• Tài khoản thanh toán thẻ Auto-Debit Account

• Chu kỳ sao kê Statement Period

• Hạn mức tín dụng Credit Limit

P000000000

700 000 123456

90,000,000

29-06-2018 ~ 31-07-2018

15-08-2018

• Tỉ lệ thanh toán tự động Registered Payment Ratio

10%

• Ngày đến hạn thanh toán Payment Due Date

Chi tiết giao dịch / Transaction Details

Mua hàng & Ứng trước tiền mặt / Purchase & Cash Advance

Tiền mặt linh hoạt/ Flexi-Cash

Trả góp / Installment

CTTNHH HND NB HOANG QUAN

Ngày giao dịch Transaction Date

Đơn vị Chấp nhận thẻ

Merchant

31.05.2018 THANH TAM VANG 12,000,000 1,400,438

Ngày giải ngân Disbursement Date

Số tiền gốc Principal amount

1,000,000

Lãi suất Interest

Dư nợ gốc còn lại Remaining

Principal Balance

400,438 11,000,000

Số tiền giải ngân

Disbursement Amount

13.07.2018 2,250,000

Phí & Lãi / Fee & Charge

Chi tiết Details

Số tiền Amount

0 Annual Fee 11,000 SMS Fee

Thanh toán / Payments

Ngày thanh toán Payment Date

Số tiền Amount

0 Interest Charged on Purchase Interest Charged on Cash Advance

18.07.2018 19.07.2018 12,000,000 THANH TAM VANG 23.07.2018 24.07.2018

2,250,000

SATRAFOOD

25.07.2018 26.07.2018

7,000,000

VUS - GO VAP

4696-72XX-XXXX-0000 Primary VISA Hi -Point Gold Credit Card

Ngày giao dịch Transaction Date

Ngày bút toán Post Date

Số tiền Amount

Số tiền giao dịch Transaction Amount

Dư nợ gốc còn lại Remaining

Principal Balance

Tháng này This Month

Số �ền thanh toán Repayment Amount

Số tiền gốc Principal amount

Lãi suất Interest

Tháng này This Month

Số �ền thanh toán Repayment Amount

0

23.07.2018 24.07.2018 CTTNHH HND NB HOANG QUAN

21.07.2018 22.07.2018 XE DAP M.A.R.T.I.N 107

VN/HCM

14.06.2018 THANH TAM VANG 12,000,000 1,303,780 1,000,000 303,780 11,000,000

1,500,000 735,000

25.07.2018 7,326,700

(VND)

4696-72XX-XXXX-0001 Family VISA Hi-Point Gold Credit Card

4696-72XX-XXXX-0000 Family VISA Hi-Point Gold Credit Card

Đơn vị chấp nhận thẻ Merchant

Chi tiết Details

Quốc gia/Thành phố Country/City

VN/HCM VN/HCM

VN/HCM VN/HCM

18.06.2018 25.07.2018 LEFLAIR VN/HCM -459,000

Số tiền gốc Original Amount

Phí giao dịch nước ngoài

Overseas Transaction Fee

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Auto-Debit Account: is the Demand Deposit Account of The Cardholder opened at Shinhan and registered for card repayment

Registered Payment Ratio: is the payment ratio that Shinhan deducts from the Demand Deposit Account to settle the card outstanding balance (at least the Minimum Payment)

Statement Period: is the period in which all transactions, payments, fees & charges (if any) are posted to card account and announced to the Cardholder for repayment.

Payment Due Date: is the date by which your payment (at least the Minimum Payment) must be made to avoid arising fees & charges and delinquency status.

Previous Statement Balance: the amount included all transactions, fees & charges (if any) made by the Cardholder and posted in the card account in previous Statement Period

This month transactions: is the amount including all transactions, fee& charges (if any) made by the Cardholder and posted in the card account in this month statement period

Payments: the amount includes all payments and other credits in the Period.

Statement balance: the amount of This Month Transactions together with Previous Statement Balance after deducting all payments (not including transactions converted to installment.

Surplus: the amount left after payments for Statement Balance. This amount will be net off with next month's Statemeny Balance (if any)

Minimum Payment: minimum amount that is required to be repaid before or on the Payment Due Date to avoid late payment fee and maintain your good credit history.

11 Reward programs: is the total of your accumulated rewards (Point/ Miles/ Cash-back) and the rewards that are scheduled for expiry.

Always read your statement carefully and make payment by the Payment Due Date.If you do not receive your Statement, please call Shinhan Contact Center at 1900 1577 for further support

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12 Transaction Details: This section provides details of all purchases, cash advances/ withdrawal, installment, FlexiCash, generated fees andcharges, payments within Statement Period + Transaction Date: the date on which Transaction was made + Post Date: the date on which the transaction was posted to card account

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SETTLING YOUR VISA CREDIT CARD BALANCE

Easy ways to pay for your Shinhan Visa Credit Card

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Money transfer from other banksUpon making the money transfer request, please input all following information:(1) Beneficial name: < Primary Cardholder’s Name as on ID card or Passport >(2) Beneficial Account: < Card Number (16 digits shown on your credit card) >(3) Beneficial Bank: Shinhan Bank Vietnam Ltd.(4) Payment amount: < Payment amount >(5) Remark: <Payment for Shinhan Credit Card>.

* Payment transactions with any incorrect information will be refunded to sender’s account.** To ensure the on-time payment, please make the money transfer at least 2 working days before the payment due date.

Auto debitApplied for the Cardholders who have demand account at Shinhan and registered the auto debit service. Shinhan shall automatically debit the amount as the payment rate you registered from such demand account on your payment due date. Please kindly maintain the sufficient account balance on your payment due day.

* If you have not yet registered, please kindly visit any Shinhan branch/ transaction office to register the auto debit service.** For ANZ credit cards which were already registered the auto debit service previously, this service would be continued at Shinhan.*** In case your account balance is not sufficient for the Minimum Payment amount on your payment due date, then your card shall be considered as late payment. After Payment due date, Shinhan shall continue to collect the overdue Minimum amount on your account balance.

Cash deposit at Sacombank (free of charge)You can visit any Sacombank branch/ transaction office in their opening time. Upon depositing, please fill the payment form with all following information:(1) Beneficial name: < Cardholder’s Name as on ID card or Passport >(2) Beneficial account: < Card Number (16 digits shown on your credit card) >(3) Payment amount: < Payment amount >(4) Remark: <Payment for Shinhan Credit card>.

* Please make transaction not later than 15:00 on the payment due date. Transactions made after 15:00 will be only registered to the Shinhan system on the next working day.

Payment at Shinhan counters You can make cash deposit at any Shinhan counters in the opening time of every branch/ transaction office of Shinhan.

* Please make payment before 16:30 on the payment due date

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Easy ways to pay for your Shinhan Visa Credit Card

Contact our Contact Center 1900-1577You can call our Contact Center 1900-1577 from 8.00am to 17.00pm from Monday to Friday (excluding holiday leave days) and talk to our agent to request credit card payment from your demand account balance at Shinhan.

Drop box service Only applied at the former ANZ branches/transaction offices

You can cash deposit by:Step 1: Fill in the payment envelope with all following information:(1) Cardholder’s Name as on ID card or Passport(2) 16-digits shown on your credit card(3) Payment amount (Max VND30 million/envelope, VND100 million/day)(4) ID and Telephone number(5) Designated person’s information (if any)

Step 2: Put cash into the envelope, seal and put it in the Drop box at the branches/transaction offices before 16:30 on the payment due date.

* Please kindly keep a copy of payment receipt. ** In case there is difference between the filled payment amount and the actual received amount, the actual amount that Shinhan receives shall prevail.

Shinhan Internet Banking

Please log into Shinhan Internet Banking, using Card Payment service from 08:00 – 18:00 on working days.

Payment order:

· Delinquency amount > Statement amount > Paymentby each Transaction



Important notice for Shinhan Credit Card payment

To avoid late payment status, at least Minimum Payment Amount as notified in your monthly Card Statement must be recorded in Shinhan system before 16h30 of the Payment Due Date. Therefore, please make your Credit card payment exactly on or before your Payment Due Date as informed.

Interests in relation to each Transaction shall be calculated as follows:

Interest is calculated from the acquiring date of the transaction until the actual payment date of such transaction.

For Installment: interest is calculated with applied interest rate and tenor of the Installment plan that you registered.

For Cash Advance Transaction: interest is calculated from the date of the Cash Advance transaction until full repayment of such transaction.

If you make payment by other Bank telegraphic transfer or cash deposit at Sacombank, please make such transaction at least 2 (two) working days before the Payment Due Date to ensure the payment amount is recorded in Shinhan’s system on time.

If you registered the Auto-debit service and your Account balance is not sufficient for the Minimum Payment Amount before 16h30 on your Payment Due Date, then you will be registered as late payment. After Payment due date, Shinhan shall continue to collect the overdue Minimum amount on your account balance. If you want to make payment for more than the overdue Minimum amount, please contact our Contact Center 1900-1577 from 8.00am to 17.00pm from Monday to Friday (excluding holiday leave days) for payment processing support.

If you make payment before the issuance of Card Statement and there is still unpaid outstanding balance in the statement period, then your Card Statement will still be issued and please make payment for at least Minimum Payment Amount on or before Payment Due Date.

If at least Minimum Payment Amount is not recorded before 16h30 on your Payment Due Date, you will be registered late payment status and this will be reflected on your credit history at Vietnam Credit Information Center (CIC). After 10 days after your Payment Due Date, Shinhan will temporarily suspend your Credit Card until the payment for overdue amount is made.

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MANAGING YOUR SHINHAN VISA CREDIT CARD

Easily managing your credit card with 5 convenient digital platforms:

Internet BankingYou can conveniently access, keep tracking and manage all information related to your Shinhan Credit Card(s) any time for free.

· User management:- Change personal information: email, phone number, address.- Emergency blocking (ATM Card, Debit/Credit Card, OTP, Security card).

· Card inquiry:- General information: total/remaining limit, total/remaining cash advance

limit, payment rate, payment due date, payment account.- Card list, statement details, transaction history, payment history and Shinhan

reward program information.

· Card payment:- Make payment for statement amount or for each transaction.- Processing time: 8:00 – 18:00 on working day*Note: Installment and cash advance can’t be paid in advance for each transaction. Statement which includes

installment amount can be paid at payment due date, or paid in advance in case this is last installment term.

SOL Apps· Free of charge.

· Applied for customers who have already registered & activated Internet Banking.

· Supported mobile operating systems (iOS version 8.0 or later, Android version 4.4 or later).

· Search keyword "SOL Shinhan Vietnam" and download app from Google Play or App Store.

*Note: Some services are not available via Mobile Banking. For full service, please log in Internet banking.


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SMS Service· Safe and convenient 24/7 finance management service.

· Receive SMS alerts upon any debit/credit transaction of registered account(s).

· Get remind of card statement: payment due date, due amount.

· Send SMS for credit card activation.

· Receive other financial information from SHBVN

*Note: · SMS service cancellation has to be processed at Shinhan branches.· Service fee: VND 11,000/month

How to register: Please select one of the following method:

Visit Shinhan branch and provide your National ID/ Passport.

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SECURITYTIPS

DO NOT reveal yourCard information or your PIN

CAREFULLY preserve and regularly check your Card to against loss and theft

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· Do not lend or share your card information with anyone else.

· Do not disclose any information, if you receive bogus calls claiming to be from Shinhan that encourage you to disclose personal or account information.

· Change your PIN regularly for precaution.

· Do not keep your credit card together with your PIN.

· When selecting your PIN, avoid picking a number that is easy to guess (date of birth, phone...).

· Make sure you sign your Shinhan Visa Credit card, and always keep it safe.

· Keep your card within your sight and don't allow merchants to take your card away for an extended period of time.

· Make sure your card is returned to you promptly after a transaction

· Immediately call 1900 1577, if you don't recognise or have questions about any transactions on your credit card statement.

DO NOT respond to suspicious emails

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· Delete any suspicious emails, including ones which you do not recognise the sender.

· Shinhan will never send you an email asking you to disclose personal information, bank details, passwords, PIN, or send a courier to your home to collect your card/ PIN. Please let us know if this happens.

· Be very cautious with strange or spot fraudulent emails.

IMMEDIATELY call 1900 1577, if your Card is lost or stolen

5

In case your Card is lost or slolen, please report it to Shinhan to block your credit card immediately by below methods:

· Call Shinhan Contact Center at 1900 1577 or 1800 599 926 (for PWM customer) Shinhan agent for support.

· Automatic answer station 1900 1577 -> press 2 to select English -> press 1 again to report card lost/ request to block your card and follow the instructions.

· When the customers are abroad, please call at 84-28-3866-8830 or 84-28-3866-8661 (for PWM customer)

· Log in to Internet Banking-> Select the “Card” menu

Purchasing online with Verified by Visa when purchasing online

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· Use a secure web browser.

· Check the website security before making card transaction.

· Do not send credit card details and OTP code any form of unauthorized use.


1900 1577 shinhan.com.vn

REF.

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shinhan visa credit cards · as soon as you receive your new credit card, choose one of below...

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