Ask and Answer

1. "Minimum Payment Amount" means the minimum amount shown on the monthly statement that cardholders have to pay to the Bank. 
2. "Payment Due Date" is the date on which cardholders have to pay at least the Minimum Payment Amount shown on the monthly statement. If payment due date is a holiday or weekend, it will be the next business day.
If you do not pay or do not fully pay the minimum payment amount on or before the due date, you will be charged a late payment penalty in accordance with BIDV's regulations. 

To make transactions and ensure safety when using, following steps should be taken after receiving the card:
- Change PIN at BIDV's ATM (a 6-digit confidential code delivered with a confirmation slip to perform secured transaction at ATM and payment device)
- Activate your card through one of the following methods: 
+ At BIDV's branches/transaction offices nationwide. 
+ Call 24/7 Customer Care Center of BIDV via Hotline 19009247.
+ Send SMS to 8149 in format KICHHOAT <6 last digits of card> <card activation code> or ACTIVE <6 last digits of card> <card activation code>
- In case you want to make a withdrawal or payment for goods and services, you need to ensure to have sufficient balance in your current account linked to the card.

Statement balance can be paid in one of the following methods: 

- Over-the-counter payment: Payment can be made at BIDV's counters via cash deposit or payment order. 

- Payment via BIDV Smart Banking

- Automatic debit: BIDV will automatically collect the statement balance according to your registration. 

- Transfer from any other bank. 

Notes: For external money transfer, payments made before 3:00pm daily will be recorded on the card system on the same day; payments made after 3:00pm daily will be recorded on the card system the next day.

You can connect BIDV for support via the following channels: 
+ Customer Care Hotline in Vietnam: 19009247 (for domestic call) and +84 24 22200588 (overseas)
+ Email: bidv247@bidv.com.vn 
+ Website: www.bidv.com.vn 
Some services offered via BIDV Customer Care Center: Information on promotion programs, advice on card issuance and use; First activation/Reactivation/Card locking; Activate/Deactivate online transaction feature; PIN reset/PIN, card reactivation; Receiving complaints; Card extension; Dealing with withheld card; etc.
In addition, you can install BIDV Smart Banking application on your phone to effective management of card transactions such as Card locking/Unlocking; Activate/Deactivate online transaction feature; Change linked account; Payment of outstanding loans; Reactivate PIN, etc.

Statement is a list of cardholder's card transactions, interest, charges incurred during the statement period and any adjustment entries (if any) made monthly by BIDV and sent to the cardholder. 
You need to pay at least the Minimum Payment Amount on your statement on or before the payment due date. 

- Free interest conditions: Customers are exempt from interest for the purchase of goods and services if the statement balance is fully paid on or before the payment due date.
- Free interest period: 45 days including 30 days within statement period and 15 days after statement date. 
For example: You spend on the first day of the statement period and make payment on the statement payment due date (Payment due date is 15 days from the statement date). The total amount of free interest period is 30 days of the statement period + 15 days after the statement date. 

When you use your card at POS overseas or POS that uses foreign currency, then you have to repay in Vietnam dong at the exchange rate prescribed by the Bank. 
The foreign currency exchange rate in overseas spending is the exchange rate applied by Visa, Mastercard. For overseas transactions, this exchange rate will be plus foreign exchange fees.
For the exchange rate at the time of payment, please refer to your monthly transaction statement and convert the original transaction amount in foreign currency and the corresponding amount into VND.

In order to perform online payment, your card needs to meet the following conditions:
- The card has been activated and is active. 
- The card is open for online transactions- Enter the exact information on the card in the required content: Name, expiry date, CVV2 number (last 3 digits printed on the back of the card)
* Please keep your card number, expiry date and CVV2 number on the back of your card confidential to avoid payment fraud. 
You can activate/deactivate online transaction feature at your discretion via BIDV Smartbanking app or contact BIDV's 24/7 Customer Care Center - Hotline 19009247. 

You can pay up to 100% of the credit line granted, withdraw up to 50% of the credit line. 

Using BIDV credit cards, you will experience the international credit card services with the following outstanding features: 
- Performing cash withdrawal and payment of goods and services at tens of millions of points of ATM, POS with VISA/MASTER logo worldwide in any currency.
- 45 days free interest. No interest charged on the payment of goods or services for timely and full repayment of statement balance.
- Online transaction feature, which enables quick and convenient payment via Internet. 
- Financial management, effective transaction and management of card use with SMS Banking (BSMS), Internet Banking (IBMB) and Smart Banking application. 
- Join Customer loyalty program to accumulate reward points.
- Enjoy privileges at thousands of Premier BIDV Gold Points.
- 24/7 Customer care service (19009247/02422200588 and email bidv247@bidv.com.vn)
- Special support services of BIDV and VISA/Master: Report card lost, stolen, emergency replacement and emergency cash advance at any time. 

Cards can be activated by one of the following methods: 
+ At BIDV's branches/transaction offices nationwide. 
+ Call 24/7 Customer Care Center of BIDV via Hotline 19009247.
+ Send SMS to 8149 in format KICHHOAT <6 last digits of card> <card activation code> or ACTIVE <6 last digits of card> <card activation code>

The validity of BIDV's international credit card is 5 years. When your card is about to expire, it will be automatically renewed. During the month of expiration, customers can contact the issuing branch to receive the renewed card and continue using it.

As a primary cardholder, you can manage your supplementary card spending by:
- Register the monthly spending limit for supplementary cards on the application form.
- Contact BIDV branch or transaction office or Hotline 19009247 to register/change supplementary card spending limit.

- Each customer is issued with one primary card for each product type.
- Each primary cardholder is allowed to issue up to 02 supplementary cards; Primary cardholders and supplementary cardholders must be different individuals.

For the issuance of international credit card, the following documents should be prepared: 
a. Primary card
- Legal documents: ID documents and documents evidencing permanent address of customers;
- Financial documents: documents evidencing customer's lawful income;
- Collateral documents when credit cards are secured by collateral;
- Application: Application cum Agreement of card issuance and useb. Supplementary card:
- Application for supplementary card issuance and use following BIDV's form;
- Copy of supplementary cardholder's ID documents.

In order to be issued with BIDV's international credit card, following conditions should be met:
a. For primary card: 
- Customers who are 15 years of age or older with full capacity for civil conduct as prescribed by law.
- Having financial capacity to ensure full and timely fulfillment of financial obligations related to the Agreement of card issuance and use as stipulated by BIDV.
- Having no bad debt at the time of card issuance.
- For foreign customers not residing in Vietnam, apart from above conditions, their period of residence in Vietnam must be at least 12 months and their remaining residence duration in Vietnam shall be at least 90 days as from the date of application for card issuance.
b. For supplementary card:
- Customers who are 15 years of age or older with full capacity for civil conduct as prescribed by law.
- The primary cardholder is committed to perform all obligations arising out of the card use; registers for issuance and allows the use of card as supplementary cardholder.

Outstanding features of BIDV credit cards include:
- EMV chip cards, which ensure high security and safety in card usage.
- Unlimited line of credit, depending on customer's income and/or collateral's value.
- Competitive fees and rates.
- Interest-free period up to 45 days. 
- Card management and financial management in a convenient and safe way through BIDV Smart Banking:
+ Lock/unlock cards
+ Activate/Deactivate online payment feature
+ Track transaction history and pay outstanding balance on Smart Banking
- Convenient payment of outstanding balance in various ways: Automatic debit, Over-the-counter payment, Outstanding balance payment via Smart Banking or Transfer from another bank.
- Instant transaction information management via BSMS. 
- In addition, customers can enjoy attractive promotions and offers from BIDV, VISA, Mastercard and affiliated partners from time to time

BIDV provides 9 types of VISA and MasterCard-brand credit cards. Customers can easily select the most suitable type of card: 
- Infinite: BIDV Visa Infinite credit card targets high-income customers who wish to experience unique and luxury services. This is also the most high-class card line of BIDV with various incentives and privileges exclusively for customers.
- Platinum: For Premier customers who prefer the uniqueness and distinctive experience in the use of card with various added services.
+BIDV Visa Platinum credit card
+ BIDV MasterCard Platinum credit card
+ BIDV Visa Premier credit card (exclusive for BIDV's Premier customers)
- Gold: For customers who have a good income, prefer to use and experience modern banking services
+ BIDV Visa Precious credit card: For customers who have relatively good income and wish to enjoy modern banking services
+ BIDV Visa Smile credit card: For customers who have wage accounts at BIDV with average income of at least VND 4 million and wish to apply for consumer loans
- Classic: For young customers who prefer modern banking services and effective spending management
+ BIDV Visa Flexi credit card
- BIDV-Vietravel co-brand card: For customers who like traveling, have high spending power and value the differentiation and added services
+ BIDV Vietravel MasterCard Platinum credit card
+ BIDV Vietravel MasterCard Standard credit card