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 55 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 25th 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 first year annual fee when spending VND 3,000,000 within the first 3 months from card issuance date.
• Free annual fee for the following years if the total card spending in the current year reach VND 100,000,000.

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

• Accumulate 10% points for transactions at Health, Insurance and Education. The total point limit does not exceed 300,000 points/month.

• Accumulate 10% points for transactions in the offline Food & Beverage service. The total point limit does not exceed 300,000 points/month.

• Accumulate 5% points for transactions at Supermarkets and Convenience Stores. The total point limit does not exceed 300,000 points/month.

• Accumulate 5% points for transactions in the Tourism industry (including Hotels & Air Tickets) and transactions at two (02) online travel companies Agoda & Trip.com. The total point limit does not exceed 300,000 points/month.

1 point = 1 VND, accumulated points will not expire during the card usage period. Accumulated points can be converted into cashback or other products depending on the Bank’s reward point exchange policy from time to time.

(*) Point accumulation is not applicable for transaction at K-Market, Tous Les Jours.

Point reward by categories here.

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.

Withdraw money at ATM or Branch/Transaction Office of Woori Bank Vietnam.

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%.

Explore the Woori Store network right here.