A statement period is calculated as the total spending by card within a month, from the 1st to the last day of the month. Customers have 45 days to pay the outstanding balance of that month (Month M), payment due date for the outstanding balance of month M will be on the 15th of month M+1.

Customers have 02 days after the payment due date, if paying the entire balance within 02 days, customers will not be charged interest and late payment fees.

Refund the first year annual fee when spending enough VND 1,000,000 within 03 months from card issuance date

Accumulate 0.2% of transaction value into WCard-Point. Unlimited accumulation.

Cards earn points based on the value of payment and spending at domestic and international card acceptance points (excluding cash withdrawal transactions).

1 point = 1 VND, reward points will not expire during the card usage period.

Reward points can be converted into cashback or other products depending on the Bank’s reward point redemption policy.

2-in-1 feature: Integrating debit and credit card features, allowing credit cardholders to use payment methods such as debit cards

Customers can apply for the 2-in-1 feature to convert all purchases (POS payments) with a value less than or equal to this limit into a recorded transaction, and directly debit the amount to the customer’s  checking account such as a debit card. Transactions with a value greater than the selected limit will be paid as a regular credit card.

Example: Customer chooses a 2-in-1 feature limit of VND 2,000,000

Customer makes 1 purchase transaction valued at VND 1,900,000. Since the transaction value is less than VND 2,000,000, the amount is immediately debited to the customer’s checking account at the time of the transaction. In case the Customer’s checking account is not enough for direct debit, the transaction is automatically paid in the form of credit.

Customer makes 1 purchase transaction valued at VND 2,200,000. Since the transaction value is more than VND 2,000,000, the customer’s transaction is considered a normal credit payment transaction and will be shown on the statement of that month. The customer will pay for this transaction on the payment due date.

(*) The feature only applies to domestic purchases.

Woori Store is a network of Woori Bank’s partner stores. Customers using Woori Bank cards at Woori Store will receive a direct discount of up to 50%.