Only applicable for Timo member. If you do not have a Timo Debit card, please sign up here


Vietnam's first 0% Foreign Exchange fee credit card

Flexible payment methods and easy payment in Timo app.


Save 3% - 4% off all shopping

and spending during your overseas travel

The registration process is simple!

High credit limit

Timo MasterCard


  • Must be 22 – 59 year old
  • Vietnamese Nationals
  • Expatriates legally working and living at Vietnam 
  • Timo members who already have Timo debit card

Pay back later when you're ready

Online and at merchant POS

Local and international privileges specifically for Timo members

Waive first year annual fee

Most banks charge 3% - 4%

Just make at least 3 transactions of at least 300,000 VND each in the first 30 days


Flexible credit limit

0% Foreign exchange fee

From 10 million VND – 100 million VND

Enjoy special privileges

Enjoy 45 days interest free

Domestic and International Payment

Applicable exclusively for Timo members. Not part of the Timo family yet? Sign up here

Qualification criteria:

You can also qualify if you already have 1 – 3 credit card(s) in use with a credit limit of at least 50 million VND from any of the following banks: HSBC - ANZ - Citibank - Standard Chartered bank - Techcombank - Vietcombank - ACB - Sacombank - BIDV - Vietinbank.

We will require the following documentation for your application: Official stamped statement of last 3 months of the qualified credit card from your other bank.

Qualification criteria:

  • You can qualify if you already have ONE Term deposit of at least 20 million VND with a term of at least 6 months AND has been maturing for at least 3 months.
  • Or you can open ONE Term Deposit with at least 20 million VND with a term of at least 6 months or more at the time you apply for your MasterCard. We will lock this Term Deposit until maturity.


 Terms & Conditions

Download Fee Schedule

Contact 18006788 (toll free) for further support

Lock a Term Deposit for a minimum term and qualify instantly.

Qualification criteria: You can qualify if you maintain at least 2 million average balance over 3 months.

Existing Credit cards with other bank qualification 

Maintain an average balance in your Timo Spend Account for at least 3 months.

Applicable to existing Timo members

Login to Timo App
Choose Wealth Products

Only apply for Timo member

Tap Apply

Timo MasterCard


Step 1

Step 2

If you have not become Timo yet please sign up here

Smart Travelling With Timo MasterCard

If you already have Timo debit Card please follow the instruction here

209 30/4 street, Xuan Khanh, Ninh Kieu, Can Tho

Contact us


Timo Hangout

194D-E Pasteur, Ward 6, Dictrict 3, HCMC

17 Ngo Quyen, Trang Tien, Hoan Kiem, Hanoi

43-45 Nguyễn Văn Linh, Bình Hiên, Hải Châu, Đà Nẵng