VN 04 Credit Cards Faq
VN 04 Credit Cards Faq
VN 04 Credit Cards Faq
What are the main features of Standard Chartered credit cards ("credit cards")?
Our credit cards offer you up to 55 days of interest free, wide acceptance at over 38 million merchants worldwide and
the flexibility to make purchases over the internet, pay bills and withdraw money at over one million ATMs displaying
MasterCard® logo in more than 210 countries.
What are the fees and charges applied for the credit cards?
A copy of the Standard Chartered Credit Card Fees and Charges can be obtained either from your nearest Standard
Chartered branch or from sc.com/vn.
2 Application process
What is the required income to be qualified for a Standard Chartered credit card?
The minimum monthly net income required for Platinum CashBack credit card is VND 10 million and for WorldMiles
credit card is VND 30 million.
I have successfully applied for a credit card, may I increase my credit limit to cater my spending need, or do
you adjust my limit from time to time?
We will review your credit limit and automatically adjust your credit limit on a regular basis if qualified. However, if you
wish to increase your credit limit, you need to complete a request form and return it to the Bank with all required
documents. You must have maintained your credit card account with us for at least 6 months in order to request for
credit limit increase.
What should I do if I have problems with my credit card?
You can call our Client Care Centre (24/7) whenever you have any inquiries about your credit card.
What do I do my credit cards including primary and supplementary card(s) are lost, stolen or misplaced?
Please call our Client Care Centre (24/7) to report the matter immediately (even when you are outside of Vietnam). You
will remain liable for any transactions made with your credit card until you have successfully reported the loss, theft of
your credit card.
5 Making payments
How do I know how much I have to pay each month and by which date?
You will receive a credit card statement monthly. Your statement shows details of transactions, fees and charges on
your credit card account as well as:
• Your current balance as of the statement date
• The minimum amount due
• The due date
Can I make a lump sum payment to cover my minimum monthly payments and not pay anything for the next
few months?
At least a minimum amount due needs to be settled each month. If you do not make any payment in a given month, you
will be charged a late payment fee. If you are planning to be away for more than a month, you can request for the auto
debit to ensure the payment is made.
Does Standard Chartered have the right to deduct funds from my deposit accounts held with
Standard Chartered to pay my outstanding balance?
Under the Credit Card Terms that governs the use of the credit card, the card issuer can deduct funds from any
Standard Chartered deposit accounts to repay your outstanding balance.
What is a WorldMiles credit card and how is it different from other credit cards?
The WorldMiles credit card rewards you with travel points. You earn travel points when you spend with your credit
card and you can redeem your travels points for rebates or travel rewards from our redemption catalogue. In addition,
the WorldMiles credit card comes with exclusive privileges that are tailored for you.
Is there a limit to how much travel points I can earn on each transaction?
No.
What can I do if the number of travel points required for the selected item exceeds the number of travel
points I have?
If you do not have enough travel points to redeem for a reward, you can pay the difference with cash which will be
debited from your credit card account.
What is a Platinum CashBack credit card and how is it different from other credit cards?
The CashBack Platinum credit card is the CashBack card that specially designed to reduce the burden of your monthly
expenses by giving you cash rebates on your transactions, which means this credit card offers you the best value for
your money.
sc.com/vn