Smarter spending with the help of installments

Easy application

The Timo Credit card allows you to convert a wide range of eligible transactions into Installments in 3 steps. No additional documents required.

Flexible repayment terms

Choose from 3, 6, 9 or 12 months to pay back the amount of your purchase based on your needs. Please note that only transactions with the value over VND 3,000,000 can be converted to installment.

Spend anywhere

Timo’s installment plan is not tied to any specific merchant in Vietnam so you can purchase whatever your heart desires at any merchant of your choosing*.

*Not applicable on transactions prohibited by Viet Capital Bank and Vietnamese law.

Read our T&C of applying for a Timo Credit Card’s Installment here.

Instantly download and open an account in-app!

Download Timo app

Convert anytime and anywhere

How to apply for Timo’s credit card installment?

If you have a Timo Credit Card, you can convert your transactions into installment in 3 simple steps:

  • STEP 1

    Check your Visa Credit card transaction list and select “Installment” under the eligible transaction to convert to installments.

  • STEP 2

    Select the installment tenure (3, 6, 9, 12 months) according to the detailed instructions on the app.

  • STEP 3

    Click “Next” to confirm your installment information and enter the OTP to complete the transaction.

The converted request will be reviewed and approved/rejected by Viet Capital Bank. If your request is approved, you will receive a notification in the Timo app.

Trả góp qua thẻ tín dụng

Instantly download and open an account in-app!

Download Timo app

Get a Timo Credit card to shop now and pay back in installments

Benefits of Timo Visa Credit card:

  • Non cash payment

    • Accepted globally.
    • Accepted at more than 62,000 locations in Vietnam and at over 30 million locations worldwide.
  • Fees waived

    • No issuance fee and waived annual fee for the life span of your card.
    • Enjoy spending up to 55 days with absolutely 0 interest charged.
    • Fee-free cash withdrawal at any Viet Capital Bank ATM nationwide.
  • Smart features and exclusive great deals

    • Keep track of your monthly budget effectively with a spending heat chart.
    • Exclusive deals from Timo’s partners.
    • Experience secure multi-layered card protection by Visa and Timo.

Find out ways to apply for a Timo Visa Credit card here.

Instantly download and open an account in-app!

Download Timo app

Frequently Asked Questions