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 50% 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!

Download Timo app

3 ways to apply

Vietnamese nationals or Foreigners who have a Timo bank account can apply for a Timo Visa Credit card.

1. Proof of income*:

Legal documents to submit upon application:
- Legal document as stated below
- Original or valid notarized copy of Labor contract & Appendix (if any) of current company
- Original bank statement of three latest months salary.
Monthly salary in your bank account from 6 million VND upward.
Current labour contract for a minimum of 12 months with 3 months already completed.

2. Pledge a Term Deposit*:

Pledge 100% of your Term Deposit at Timo.
Application criteria:

Legal documents as below.
This Term Deposit cannot be used to secure any other loan or financial obligation and will be pledged at Viet Capital Bank for credit card issuance & usage.

3. 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

For foreigners: ALL of below documents:

Original & valid passport
Temporary resident card/Permanent resident card** issued for a period of at least 12 months
**The above documents MUST have 12 months remaining at the time of applying for Visa application.
The registration of temporary residence OR Application of temporary residence confirmation*** (for foreigners only), issued by the relevant department belonged to the Ministry of Public Security.
***These documents must be valid at the time of applying for a Visa application.
Labour contract/Working confirmation letter****
****These documents must be valid at the time of applying for a Timo Visa Credit card and must contain ALL the following information:
+ Personal information
+ Name of employer
+ Current position
+ 12-month labor contract
+ Duration of employment.

Instantly download and open an account in-app!

Download Timo app

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!

Download Timo app

Frequently Asked Questions

How do I investigate a transaction? How long does it take the result?

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To investigate a transaction, please bring your Valid ID/ Passport and Valid Visa/Residence Card (for Foreigners only) to the Hangout for further support. Once your request is registered, it can take up to 60 days for it to be processed.

Can my spending amount exceed my credit limit on my Timo Visa Credit card?

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In case you would like to spend more than your authorized limit, you'll have to move money to your credit card before you make a payment. However, if your Visa Credit card balance exceeds over 5% of your authorized limit, there will be a fee of 100,000 VND/time for exceeding the limit.

How to re-pay Timo Visa Credit card’s outstanding balance?

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Here are the different ways you can re-pay your Visa Credit card’s outstanding balance: - Automatic Debit function: This is linked to your Spend account and on the due date, automatically debits your Spend account. You can choose an automatic payment of the minimum amount of 5% of the total outstanding balance OR you can choose to pay 100% of outstanding balance. This has to be set when you apply for your Visa Credit card or anytime later by visiting the Hangout. - Manual Payments: You can pay manually by a simple tapping on Visa Credit card on your app dashboard. - Bank Transfer: Transfer from another bank directly to your Spend Account - Viet Capital Bank Branches: Deposit cash at Viet Capital Bank branches - Via Payoo: Payment by cash or debit card at any store accepting Payoo system - Other payment methods as per Viet Capital Bank current regulations

What is the exchange rate when I make a payment in a foreign currency?

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The exchange rate from foreign currency to Vietnam Dong is updated daily according to the Viet Capital Bank exchange rate. In addition, you will be charged 3% of each transaction made in foreign currency (this fee is exclusive of VAT).

How can I check my transactions, outstanding balance and due date?

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You can check your transaction list by logging into the Timo app and tapping on Timo Visa Credit card. Your monthly Timo Visa Credit card statement will be sent to your registered email with your transaction history, fees (if any), outstanding balance, minimum payment and due date on or around the 20^th of every month. In case you do not receive the statement within 10 days from the billing date, please contact Timo Care via our hotline 1800 6783 or email to care@timo.vn for further support.

Exclusive deals for Timo Visa Cardholders

Your global companion

3 ways to apply

Legal documents required

Smart features

How to apply?

Frequently Asked Questions

How do I investigate a transaction? How long does it take the result?

Can my spending amount exceed my credit limit on my Timo Visa Credit card?

How to re-pay Timo Visa Credit card’s outstanding balance?

What is the exchange rate when I make a payment in a foreign currency?

How can I check my transactions, outstanding balance and due date?

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