TIMO VISA CREDIT CARD

Do everything you want with a Timo Visa Credit Card

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Your global companion

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 travelling, shopping 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 50% 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 here.

Instantly download and open an account in-app!

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

Registration profile:
Legal documents as below.

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 online using an existing savings account with Timo, right on the Timo app under Discover > Timo Credit Card > Register Online.

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 open a card account in this way, Timo does not support increasing the credit limit.

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.

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 Da Nang or Can Tho.

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 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 (and have the original ready to show to us); 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!

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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!

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Smart features

Easy in-app repayment

Whether you choose to pay your entire balance or the minimum at the end of each billing cycle, it all happens right in the app. Set up auto debit directly from your Spend Account or make manual payments in a few quick taps.

Visa secure

Online transactions are more secure with Visa. When you shop online, if you notice the Verified by Visa symbol means that you are protected against unauthorized use of your Visa card. An OTP will be sent to your registered mobile device to authorize your purchase.

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!

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Frequently Asked Questions

Interested?

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Or find out how to join us here >>

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Hotline: 1800 6788
Email: care@timo.vn
Call Centre working hours:
– Monday – Saturday: 08:00 a.m. – 10:00 p.m.
– Sunday: 08:00 a.m. – 08:00 p.m.

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