Your global companion

thẻ tín dụng timo visa

Non cash payment

Leave your cash at home. The Timo Visa Credit card is:

  • Powered by VISA.
  • Accepted at more than 62,000 locations in Vietnam.
  • Accepted at over 30 million locations worldwide.
  • Keep track of your monthly budget effectively with a spending heat chart.

Whether it’s travellingshopping or dining – all you need is your Timo Visa Credit card.

High line of credit

We offer you the high credit limit.

  • The Timo Visa Credit card offers high credit limits of up to 500,000,000 VND, so you can use it for almost anything you want
  • Need cash on the go? You can withdraw up to from 70% up to 100% of your credit limit from 1.9 million ATMs across 200 countries that accept Visa

Read Timo Visa Credit card’s Transaction Limit here.

Fees waived

  • The Timo Visa Credit card is Free for Life (the lifetime of the card that is!).
  • There’s no issuance fee!
  • You can even enjoy spending up to 55 days with absolutely 0 % interest charged.

Use your Timo Visa Credit card to get access to special privileges on dining, entertainment, retail therapy and more.

Find out more about Timo Visa Credit card fee schedule here.

Read Terms and Conditions  of Timo Visa credit card application:

  • For detection cards with prefix 420692****: see details here 
  • For detection cards with prefix 437423****: see details here

Instantly download and open an account in-app!

Download Timo app

4 ways for Vietnamese customers to apply

From enough 18 year-old Vietnamese who have a Timo bank account can apply for a Timo Visa Credit card.

1. Based on a Payment Account at Timo:

  • Registration conditions:
    • Have at least 1 checking account open for at least 6 months.
    • In the last 6 months, the payment account has had at least 7 deposits totalling at least 18 million VND.
    • The average deposit balance for the past 6 months is at least 5 million VND.
    • The average deposit balance for each of the last 6 months is over 1 million VND.

As soon as you meet the above conditions, Timo will actively contact and notify you.

2. Based on a Savings Account:

2.1 Open Timo Visa credit card with Timo online Savings Accounts:

  • Registration conditions:
    Customers can open a Timo Visa credit card by using their existing Savings Account at Timo Digital Bank:

      • Register online and get instant approval right on the Timo app at “Lifestyle” or “Explore” —> “Timo Credit Card” —> “Register online”.
      • At Timo Hangout and wait for approval.

When the credit card is successfully approved, Timo will deliver the card to the address you requested.

* Foreign customers can apply for Timo Visa Credit card in the form of a secured Term Deposit at Timo Hangout. The required documents for opening a credit card include a valid Passport, Temporary Residence Card (TRC) or Permanent Residence Card (PRC) with a validity period of at least 12 months, and a confirmation of temporary residence issued by the Residence Registration Authority.

  • Note:
    • While this online credit card is active, the Term Savings Account can renew (receive interest).
    • You will not be able to withdraw money from that account while using this credit card.
    • To withdraw money from that account, you need to cancel your credit card first.
    • When you cancel the card, you will not be able to reopen the credit card in this form anymore.

2.2 Open a Timo Visa credit card based on the average balance of your Timo online Saving Accounts:

  • Registration conditions:
    • Make deposits online (a Term Deposit) at least 4 out of the last 6 months.
    • The average deposit balance in the last 6 months is 20 million VND/month or more.
    • As soon as you meet the above conditions, Timo will actively contact and notify you.
  • Registration profile:
    Legal documents as below.

Read Terms and Conditions  here.

3. Proof of income based on a salary statement:

  • Registration conditions:
    • You receive a salary via bank transfer and your salary is at least 7 million VND/month if living in HCMC or Hanoi, or at least 6 million VND/month if living in other provinces.
    • You have worked for your current employer for at least 3 months.
    • You have a labor contract for at least 12 months.
  • Registration profile:
    • Legal documents as specified below.
    • The original (with a red stamp) of your monthly salary statements of each of the last 3 months.
  • One of the following documents:
    • A copy of: your labor contract or the annex to it; OR
    • The original of the Certificate of Personnel Information; OR
    • Equivalent documents (job offer, job acceptance letter, wage-level decision, etc.)

If your income is 20 million VND or more, you need to additionally provide a copy of one of the following documents showing your current residential address: household registration book, KT3/temporary residence book, or driver’s license.

4. 1 for 1 card application*:

Use an existing credit card to apply.
Application criteria:

    • Legal documents as below.
    • Have at least one active unsecured credit card with a limit from 20 million VND from all banks in Vietnam.
    • The card must have been active for at least 6 months.

Instantly download and open an account in-app!

Download Timo app

Legal documents required

For Vietnamese: ONE of below documents:

  • Original & valid ID

OR

  • Original & valid citizen ID or Passport AND one of the below certified documents:
    • An old ID card (only applied for citizen identification)
    • The registration of marriage (only applied for citizen identification)
    • Original or valid notarized copy of Family book
    • KT3
    • Driving license with clear permanent address

Instantly download and open an account in-app!

Download Timo app

Các tính năng thông minh của Thẻ tín dụng Timo Visa

How to apply?

  • Step 01

    Tap on the Chart icon on the navigation bar at the main dashboard, choose Timo Credit card, then select Apply now.

    Or choose the Manage Cards section on the hamburger menu (), select Credit Card and Apply now.

  • Step 02

    Fill the application and book an appointment to visit the Timo Hangout at your convenience.

  • Step 03

    Bring your required documents to the Timo Hangout to complete your application.

  • Step 04

    Wait for approval and get your card from Timo.

Instantly download and open an account in-app!

Download Timo app

Exclusive deals for Timo Visa Cardholders

Frequently Asked Questions