anz.com/vietnam
item ID. WK006-V2016Apr01
ANZ Signature Priority Banking Visa Platinum Credit Card
How your ANZ Credit Card works (ENG)
How your ANZ
Credit Card works
APR 2016
ANZ Signature Priority Banking
Visa Platinum Credit Cards
full your daily spending and
allow you to conveniently shop
online and overseas with year
round premium privileges.
This guide has been created to give you an overview of how
your ANZ Credit Card works. For detailed information on
your ANZ Credit Card please refer to your ANZ Credit Card
Terms and Conditions.
With an ANZ Credit Card you have a short-term loan to buy
something now, and then pay the amount later.
Benets at a glance
Get unlimited cashback for every spend
Buy now, pay later, up to 45 days free of interest on purchase
Flexible repayment with minimum amount only 5% of
monthly outstanding balance
Easy internet and phone shopping, secured credit card
eStatement service
Convenient payment methods including ATM, Internet
Banking, and cash payment (free of charge & no delay) at
nationwide branches of An Binh bank or any Payoo
merchants (FPT shop, Vienthong A, Circle K, Hnam Mobile,
Foodcomart, BKC, Nhat Cuong, B’s Mart, Nguyen Kim,
Family Mart, Citimart, Vinmart, MediaMart)
SMS Banking Service (free of charge) for account enquiry
24/7 and credit card activation at your ngertips
SMS alert service for every cash and retail transaction
Convert purchases and cash transactions into easy
monthly instalment plans*
Explore a world of exciting privileges and discounts with
your ANZ Credit Card, recognized at over 1000 ANZ Spot
partners across Asia.
ANZ AutoPay Service
* available for water, electricity, ADSL, Television, post-paid mobile,
xed line
It’s as easy as lling out a one-time registration form for
services you want to pay every month, ANZ Credit Card will
take care of recurring payment for your phone/internet bills
AUTOMATICALLY, ON-TIME and ALL THE TIME.
You don’t have to take time out from your busy schedule to
make payments
Keep track of your spending in one statement
Avoid fees or service disconnection due to late payment
Exclusive privileges for ANZ Signature Priority Banking Visa
Platinum Cardholders**
5% cashback on weekend dining spend (capped at
VND300,000 with required minimum spend of
VND10,000,000 per statement cycle)**
Enjoy free access to more than 70 VIP airport lounges
world-wide
Travel insurance cover of up to USD500,000
Golf Privileges 50% o green fee for primary and
supplementary cardholders at top 6 Golf Clubs in Vietnam
Take advantage of Visa Platinum Concierge service
assistance on travel, dining, shopping and everyday,
business or special needs
Up to 7% discount hotel deals when booking online at
Agoda.com/anz
More benets available at www.visa-asia.com/premium/platinum
Distributed by ANZ Bank (Vietnam) Limited
**Terms and conditions apply
* Instalment plan: a retail or cash transaction converted into instalments over a xed period of time
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1-2
How much credit am I eligible for?
The amount of credit (your credit limit) you are eligible for is
calculated based on your nancial and personal details
provided at application for your credit card. ANZ reviews
information including: your employment history, your
nancials, your banking history, repayment history and
length of employment contract, to determine your credit
limit. If the credit limit is higher than you need, you can ask for
it to be reduced.
What if I spend over the credit limit?
If a transaction takes you over your credit limit, you must
repay the excess amount immediately. You may be charged
an over limit fee or have your ANZ Credit Card account
suspended.
Using my ANZ Credit Card
When you use your ANZ Credit Card, your transaction details
are sent from the retailer or service provider to ANZ. Your
available credit limit is then reduced by the amount of the
transaction and the details are recorded on your ANZ Credit
Card statement.
It is important to carefully check the transaction amount
and other details before you authorise the transaction, and
again when you receive your ANZ Credit Card statement, to
ensure your purchases.
In addition to using your ANZ Credit Card for purchasing
from retailers and service providers, you can also use your
ANZ Credit Card for cash advances.
A cash advance occurs when you use your ANZ Credit Card
to withdraw cash from a branch or ATM or a cash equivalent
transaction (for example when you purchase travellers
cheques).
Fees and Charges
The fees and charges on your ANZ Credit Card account are
detailed in the ANZ Credit Card Fee Schedule. If there is any
change to these fees and charges, you will be notied.
The latest fee schedule can be accessed at anz.com/vietnam
or at any ANZ branch or by calling ANZ Contact Centre at
1800 5999 26
Fees and charges may vary between ANZ Credit Cards and
are charged for:
Account maintenance (for example, annual credit card
fees)
Service fees (for example, late payment or over the limit
fees)
Transactions (for example, if you withdraw cash using
your credit card)
Your ANZ Credit Card statement
You will be issued with a monthly ANZ Credit Card
statement. This statement will include:
details of transactions made for the statement period
details of instalment plans (if any)
interest and other charges
reward cashback (reward credited from last month,
reward earned this month, reward earned year-to-date)
a running balance
payments made and payments due
Always read your statement carefully and make sure you
understand your obligations as a credit cardholder.
Statement information may vary for each type of product.
However, you should always check the amount you owe
(your closing balance) and when the minimum monthly
payment has to be paid, the amount of credit you have used,
the amount of credit that is available to you.
If you do not receive your statement, call ANZ Contact
Centre at 1800 5999 26 for a copy.
How much do I have to pay
You can choose to pay the full statement closing balance or
part of it, but at least the monthly minimum amount. If you
do not pay the monthly minimum amount by the due date,
you may be charged a late payment fee and your ANZ Credit
Card account may be suspended or closed.
Interest will be applied when your payment is less than
statement closing balance
Checking statement charges
If you nd a charge on your statement that you do not
recognise, please check your receipts. You may have
forgotten about a transaction made earlier that month.
Distributed by ANZ Bank (Vietnam) Limited
3 – 4
.
Some merchants also have trading names dierent from the
name that appears on the statement, a transaction may
have been made by an additional cardholder.
If you still believe you have been incorrectly charged, the
rst step is to contact the merchant. If you are unhappy with
the result, contact ANZ Contact Centre at 1800 5999 26 and
ask for assistance with a disputed transaction. If ANZ agrees
that you have been incorrectly charged, and you have
notied ANZ within a reasonable time, the transaction will
be reversed and a refund processed to your account.
7 easy ways to pay for your ANZ Credit Card
Paying through Internet Banking (VND only)
1. Log on to ANZ Internet Banking (anz.com/vietnam)
2. Choose “Bill Payment” option
3. Select Biller Code “10002- VNN CR CARD”
4. Enter 16 digits ANZ Credit Card number (*)
5. Enter the amount you wish to pay
6. Press “Next”
7. Conrm the payment and save the receipt for future
reference
Note: You must enrol for ANZ Internet Banking prior to using this payment option.
Payments at over 100 ANZ ATMs across Vietnam
1. Insert your ANZ Visa Debit Card and type in your PIN
2. Select “Bill Payment” option
3. Select Biller “ VNN CRD”
4. Select pay “ own bill” or “ others bill”
5. Enter your ANZ Credit Card number (Without any space
or dot “ . “ or dash “-” )
6. Enter the amount you wish to pay (Card payment
amount limit is less than VND100M/transaction)
7.
Conrm your transaction and collect the receipt
Auto-Debit
Simply ll in the Auto-Debit Authorisation form at any ANZ
branch to register. You can choose to pay the full closing
balance or the minimum balance due for the month.
At any Payoo merchants
FPT shop, Vienthong A, Circle K, Hnam Mobile,
Foodcomart, BKC, Nhat Cuong, B’s Mart, Nguyen Kim,
Family Mart, Citimart, Vinmart, MediaMart
*Free of charge & no delay (Payments are processed on the same day)
Simply pay cash and provide merchant with your account
number (16 digits shown on Credit Card statement) then
keep the payment receipt. Do not provide your credit card
number (Please refer to anz.com/vietnam for example)
Distributed by ANZ Bank (Vietnam) Limited
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At www.payoo.com.vn (free of charge):
* Please have an ATM Card/Debit Card and Internet Banking user at
available banks.
Choose service “Credit Card Payment”, complete information
including Credit Card account number (16 digits shown on
statement, DO NOT provide credit card number).
Please refer to anz.com/vietnam for example.
Cash deposit at any An Binh Bank
branch (free of charge & no delay*) or Telegraphic
Transfer (TT) from any banks
* Service fee is waived for ANZ Credit Card payment made by cash
deposit only. Payments at An Binh Bank are processed on the same day.
Simply deposit cash by lling the Deposit Slip at any
An Binh Bank branch or tranfer from any banks with
following information:
1. Beneciary account name: Cardholder’s full name
2. Beneciary account number: credit card account
number (16 digits shown on your statement. Do not
provide credit card number) without any space or
dot “.” or dash “-”
Example: 4628123456781234
3. Beneciary bank details: ANZ Vietnam - HCM City
4. Narrative: payment for Credit Card
ANZ branches
* Cash deposit free-of-charge via ANZ Credit Card
Fast-Cash Deposit Service (Kumho, District 3, Le Thai To
branch):
1. Cardholder or nominated payer complete Deposit
Envelope with full cardholder name, card account
details, payment amount and nominated payer
information (if any). For nominated payer, attach ID/
passport copy in the envelope is required.
2. Take the carbon copy inside the envelope for your
record.
3. Put the cash payment amount in the envelope, seal
it and put into Credit Card Payment Drop Box.
Maximum deposit amount per customer is VND10 mil
per day.
* Cash deposit and transfer services over-the-counter.
ANZ Credit Card number must be clearly highlighted.
Payment equal to or less than VND 1mil over the
counter will be applied fee of VND60,000.
The customer/the payer should be aware that there are risks
associated with the payment instruction by way of indicating
credit card number only (the“Instruction”), including but not
limited to risks arising due to negligence and wrong input of
the recipient’s credit card number. The fund transfer will be
made relying solely on the recipient’s credit card number and
there might not be any verication prior to transfer or
conrmation after the transfer is made.
Understanding interest
What is interest?
Interest is a charge for providing credit. Interest is applied to
purchases, cash transactions, instalment plans and interest from
previous months and fee charges.
How is interest calculated?
Interest is calculated on the daily closing account balance
and is applied at the end of the statement period. The
corresponding daily interest rate is used for this calculation.
Where special rate applies, for example, in case an
instalment plan oer is accepted, the rate that applies to the
oer will be used to calculate on that part of the balance.
When is interest charged?
Interest is charged if the statement closing balance is not
paid o in full by the statement due date each month and
accrued from the day of each transaction in that statement.
Interest is charged on cash transactions from the date they
are made until the full amount of the transaction is paid o
in full. There is no interest free period for cash transactions.
For instalment plan(s), its interest (if any) will be applied in
accordance with the agreed tenor of the plan.
What is an interest free period?
The maximum interest free period for purchases is the
number of days from the transaction date to the payment
due date.
Cash advances on your ANZ Credit Card accrue interest from
the day of the transaction, and so are not included as part of
your interest free period. Refer to your ANZ Credit Card
Terms and Conditions for more information.
The interest free period is not applicable to instalment
plan(s).
Distributed by ANZ Bank (Vietnam) Limited
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.
When will you stop seeing interest billed to your
statement?
Once you make your next full payment by the due date,
your interest free benets for purchases will automatically
reinstate. However, interest is charged to your ANZ Credit
Card account up until the full payment is received. A nal
interest charge will appear on your next statement. For
instalment plan(s), as interest is computed daily, you may
see the last remaining interest due from your instalment
transaction posted after the full instalment amount is paid.
Understanding Reward
What is Reward?
Reward is cashback granted to card account of Primary
Cardholders based on spending (eligible transactions)
made by both the Primary and Supplementary
Cardholders.
Reward includes base cashback applied to all eligible
spendings in the statement cycle, and bonus cashback (if
any) on pre-dened period and target Cardholders.
Who is eligible for ANZ Reward?
All ANZ Credit Cardholders holding a valid ANZ Credit Card
of Classic, Gold, Platinum, Signature Priority Banking Visa
Platinum are eligible to participate in the program.
Reward granted shall be conditional upon the fullment of
the terms of the Rewards Program by the cardholders.
What are eligible transactions for Reward?
Spending eligible for the Reward Program include both
domestic and international retail transactions using the
card. Cash advance transactions, Instalment Plan,
FlexiFund and any other fees howsoever called, including
but not limited to, the transaction processing fee, annual
fees, cash advance fees, interest, credit card payment,
debit adjustment and late payment fees will not be
counted for the purpose of the reward under this Reward
Program.
How do you nd out your Reward balance?
Your Reward balance will be reected on your Credit Card
statement with below details:
- Reward cashback credited from last month
- Reward cashback earned this month
- Reward cashback earned year-to-date
Distributed by ANZ Bank (Vietnam) Limited
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How do you utilise your Reward?
Your reward (if any) accumulated in this month (one
statement cycle) will automatically disburse to your
account and deduct to your outstanding balance (the total
amount you owe) of next statement cycle.
ANZ may, at its sole discretion, withdraw or cancel any
reward if cardholder’s spending is deemed not to be
satisfactory
Understanding ANZ Autopay
Who can register for ANZ AutoPay facility?
Only Primary Cardholders can request for registration/
amendment of ANZ AutoPay service by:
- Visit ANZ Branch and complete ANZ Credit Card AutoPay
Service Registration form
- Download the ANZ Credit Card AutoPay Service Registration
form on anz.com/Vietnam, completing the form with
signature and sending to AutoP[email protected]om via
registered email for ANZ Credit Card
You can request for cancellation of the service/biller(s) via
ANZ Contact Centre at 1800 5999 26
ANZ AutoPay service is currently available for 15 billers:*
- Water, electricity (EVN (HCM), Sawaco**)
- Television (SCTV (HCM), VTVCab)
- ADSL (FPT, CMC (HCM), SPT (HCM), VNPT (HCM), Viettel, SST)
- Post-paid mobile (MobiFone, Viettel, VinaPhone HCM)
- Fixed line (Viettel, SST).
** HCM water supply includes: Ben Thanh, Cho Lon, Nha Be, Trung An, Thu Duc,
Tan Hoa, Phu Hoa Tan.)
There is no limit of number of registered bills.
How do I know if my bills are registered successfully?
You will get sms message within 10 days to conrm your
registration status on billers detail. If you get no such notice,
please contact ANZ Contact Centre. If you get failure notication,
you need to re-check your relevant bill or validate the bill account
with Service Provider to request amendment for ANZ AutoPay
Request for registration/amendment or cancellation received
by ANZ from the 22
th
of the month will take eect from the
subsequent month.
How do I know my monthly bill payment is successful?
Apart from sms conrmation on your registration status, your
successful payment will be shown in details on credit card
monthly statement. Otherwise, you would get sms notication
that bill payment for the specic month fails and needs to be
managed by yourself for the month.
How is ANZ AutoPay processed?
ANZ shall debit your card account for bill payment the 1
st
, 8
th
,
15
th
& 22
th
of each month. In case the 1
st
, 8
th
, 15
th
& 22
th
falls on a
non-working day (weekend or public holiday), the bill payment
will be processed the next working day or before the due day
of the bills. Due to no limit of registered bill number, please
ensure that your card limit is sucient for total bill amount, or
the payment does not make your card over-limit, otherwise you
would get sms notication of payment failure.
Understanding SMS Banking
Without registration required, you can activate your credit card/
check card balance and status on the go with free SMS Banking
Service.
* Standard Telco SMS charges of 500VND/SMS apply
SMS Banking is a smart way to access your credit card account
whenever you want:
- Activate your credit card within 24hours (or next working
day)
- Keep track of your beginning credit card balance, minimum
amount due and payment due date with our 24/7 SMS Center.
SMS Alert service
You can enjoy peace of mind from unauthorised transactions
with sms notication sent within 5 minutes for every retail or
cash transaction to your registered mobile. This instant alert
protects you against fraudulent activity on ANZ credit card
account and makes 24/7 SMS Banking fully convenient to get
credit card information at your ngertips.
Monthly charge will apply (please refer to Fee Schedule at
anz.com/vietnam) except you want to opt out by calling ANZ
Contact Centre at 1800 5999 26. The charge will be upfront
every quarter and pro-rate charge will be refunded from the
month you opt out.
Distributed by ANZ Bank (Vietnam) Limited
How to text:
SMS
Text ACT <4 last card digits>
to 8069
Text BAL <4 last card number
digits> to 8069
Text DUE <4 last card num-
ber digits> to 8069
Text SO CC to 8069
To get
To activate your credit card
Example: Text ACT 5079
to 8069
Your daily credit card outstanding
balance
Your due amount, due date,
minimum due amount and total
payment from last statement date
Promotion oers of Credit Card
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.
Useful tips when using your ANZ Credit Card
Always pay by the due date at least the minimum
payment including any amount due immediately.
Ensure your ANZ Credit Card limit is appropriate and
manageable for you. Contact ANZ Contact Centre at
1800 5999 26 if you have any concerns.
Make sure you sign your ANZ Credit Card, and always
keep it safe.
Do not disclose your PIN to anyone to keep it close to
your card.
If your ANZ Credit Card is lost or stolen, call ANZ Contact
Centre immediately at 1800 5999 26.
Get to know your Statement
1. Account Number: This is your customer account number for making credit
card payments via ATMs, over the counter or internet. This is dierent from
your credit card number. We have assigned an account to you for security
purposes. This account cannot be used for any transaction except for credit
card payments
2. Credit limit: Your credit line granted by ANZ. This limit is shared with your
supplementary account/s (if any)
3. Available credit limit: the limit available to use at The statement date
4. Overdue/Overlimit: Any amount overdue (not paid from your previous
statement), and/or any amount in excess of your existing credit limit
5. Minimum amount due: This is the amount consist of repayment amount due
for the instalment plans (if any) required by this statement and minimum due
for the rest balance of the statement
6. Due Date: The date by which the required payment (at least the minimum
payment) must be made to avoid late charges
7. Total minimum payment due: This is the minimum total payment required for
this statement (combination of Overdue/Over limit and minimum amount
due)
8. Opening Balance: The balance carried forward from your previous statement
9. Interest charges: Total of all interest charged on purchases, cash advance,
nance charge, fees, instalment plan, etc. as of the statement date.
Breakdown of each categories interest amount is clearly provided on
following page in the statement
10. Reward cashback: Reward granted based on eligible spending per statement
cycle made by both Primary and Supplementary Cardholders, automatically
credited to the card account of Primary Cardholders. Reward earned this
statement cycle automatically disburse to the card account and deduct to
outstanding balance of the next statement cycle.
11. Outstanding balance: is the total amount you owe, inclusive of purchase, cash
advance, fee & charge and instalment plan balance (including all payments
not yet due on instalment plans accepted), deducted by the reward cashback
(if any). For account with instalment plan, paying this outstanding balance
might result in early payment fee to be charged.
12. Statement closing balance: Total outstanding balance less payment not
yet due on Instalment plans accepted. This amount if to be paid in full
will retain for you the interest free period applied for purchase
transaction.
Distributed by ANZ Bank (Vietnam) Limited
For more information, enquiry, request, contact ANZ
Credit Card:
EASY & CONVENIENCE
- SMS ACT <4 last card digits> to 8069 to activate your
ANZ credit card
Example: sms ACT 5079 to 8069
- SMS BAL <4 last card number digits> to 8069 to get
your daily credit card outstanding balance.
- SMS DUE <4 last card number digits> to get your
due amount, due date, minimum due amount and total
payment from last statement date.
1800 5999 26 (free)
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