Q: 4. How can I have an account to log in at Shinhan Finance’s website?

1. IF YOU ARE ALREADY A CUSTOMER OF SHINHAN FINANCE To log in account of Shinhan Finance’s website, you must have User ID and Password: Your User ID is your email address or National ID. "Password" provided on Loan agreement. If you have NOT received User ID and Password, please contact Customer Service Center: Call 1900 5454 49 press 0. Leave your request at dvkh@shinhanfinance.com.vn Visit Customer Service Center at Floor 10, PICO building, 20 Cong Hoa, Ward 12, Tan Binh Dist., HCMC. 2. IF YOU ARE NOT CUSTOMER OF SHINHAN FINANCE YET Register for loan now at https://www.shinhanfinance.com.vn/en/product/personal-loan

Q: 5. How can I log in my account at Shinhan Finance’s website?

1) First time log in: Step 1: Log in to account - Visit www.shinhanfinance.com.vn - Click "LOGIN" - At "Account Login" section, input "User name" is your email address or National ID and "Password" provided on Loan agreement and key in "Verification code". - Click "LOGIN" Step 2: Create new password - Key in "New password". Password must have at least 8 characters including at least 1 number and 1 uppercase letter. - Confirm "New password" - Key in "Verification code" Verification code will be sent to your mobile phone registered with Shinhan Finance Step 3: Activate account When you receive loan disbursement notification via SMS, you can access to your Account at www.shinhanfinance.vn with User name and new password. 2) Normal login (after first login): Step 1: Log in to account - Visit www.shinhanfinance.vn - Click "LOGIN" - At "Account Login" section, input "User name" and "Password" (Password is created at first time login). - Key in "Verification code" - Click "LOGIN" Step 2: Login successfully Click "REGISTER NOW" if you have not registered email with Shinhan Finance.

Question 1

1. How do I apply for a personal loan at Shinhan Finance ?

Accepted Answer

Shinhan Finance provide personal financial solutions which help customers fulfill their dreams and improve life quality. For product consultation, you can contact us via one of these channels:

1. Download iShinhan application from CH Play (for Android devices) or the App Store (for iOS devices). Then, select the button "Tôi muốn vay" and apply for a loan according to iShinhan's step-by-step information request.

2. Connect with the SVFC Bot on Shinhan Finance's Facebook Messenger by clicking “Bắt đầu” button. Then, pressing “Đăng ký vay” button below and choosing a loan that suits your needs.

3. Apply online at https://shinhanfinance.com.vn/ by selecting “Đăng ký vay” on the homepage. After that, pressing “Ước tính khoản vay” button and selecting the sessions according to your desired loan needs. Finally, clicking "Vay" button and follow the required steps for information on the website.

4. Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

5. Send support requests to the email address (email): dvkh@shinhanfinance.com.vn

6. Call 19005454 49, press key 2 to contact Sales Office

7. Go directly to Branches, Service Introduction Points at https://www.shinhanfinance.com.vn/contact or at the "Địa điểm" section on iShinhan App. Complying with the regulations of the State Bank, Shinhan Finance does not charge any fees when you submit the application and the “Loan Application Form”.

Question 2

2. How do I know the interest calculation method applied at Shinhan Finance?

Accepted Answer

In compliance with Circular 14/2017/TT-NHNN by The State Bank of Vietnam, effective from 01/01/2018, the principle and interest calculator is as follows:

Interest calculator principle

Interest rate is expressed by % per year (annual interest rate), a year means 365 days.

The interest duration is a measure starting from the date of loan disbursement until the end of the day preceding the date of full repayment (including the first day, excluding the last day of the interest duration) and loan balance defined at the end of any day within the interest duration.

Interest calculator

The interest of each interest period is determined as follows:

Interest = [∑(Actual balance x number of days maintaining actual balance x Interest rate)] : 365

For further detail of our tariff, please refer in here.

Question 3

3. How do I know Shinhan Finance has received my payment?

Accepted Answer

You can check your payment through Shinhan Finance's loan search channels as follows:

Option 1:

- Download iShinhan application from CH Play (for Android devices) or App Store (for iOS devices).

- Open the app, select “Tôi muốn tạo tài khoản iShinhan’’ (skip this step if you already have an account) and follow the instructions

- After creating an account, you log in and choose to view “Lịch sử thanh toán” for full details.

Option 2:

- Type the link https://m2.shinhanfinance.com.vn on the browser of your phone or computer.

- Select “Tôi chưa có tên đăng nhập”, enter the required information (skip this step if you already have an iShinhan account)

- After creating an account, you log in and choose to view “Lịch sử thanh toán” for full details.

Option 3:

- Connect with SVFC Bot on Facebook Messenger.

- Press the “Bắt đầu” button, then click the “Tra cứu khoản vay” button below and follow the instructions.

Option 4: Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

Option 5: Use 24/7 automatic loan information channel via hotline 1900 5454 49 (Press 1)

Note:

- If you have registered an email address, Shinhan Finance will send your payment receipts via email.

- Please keep all invoices and payment receipts for Shinhan Finance for comparison if there is any mistake or issues.

Question 4

4. How can I have an account to log in at Shinhan Finance’s website?

Accepted Answer

1. IF YOU ARE ALREADY A CUSTOMER OF SHINHAN FINANCE

To log in account of Shinhan Finance’s website, you must have User ID and Password:
Your User ID is your email address or National ID.
"Password" provided on Loan agreement.
If you have NOT received User ID and Password, please contact Customer Service Center:
Call 1900 5454 49 press 0.
Leave your request at dvkh@shinhanfinance.com.vn
Visit Customer Service Center at Floor 10, PICO building, 20 Cong Hoa, Ward 12, Tan Binh Dist., HCMC.

2. IF YOU ARE NOT CUSTOMER OF SHINHAN FINANCE YET

Register for loan now at https://www.shinhanfinance.com.vn/en/product/personal-loan

Question 5

5. How can I log in my account at Shinhan Finance’s website?

Accepted Answer

1) First time log in:

Step 1: Log in to account
- Visit www.shinhanfinance.com.vn
- Click "LOGIN"
- At "Account Login" section, input "User name" is your email address or National ID and "Password" provided on Loan agreement and key in "Verification code".
- Click "LOGIN"

Step 2: Create new password
- Key in "New password". Password must have at least 8 characters including at least 1 number and 1 uppercase letter.
- Confirm "New password"
- Key in "Verification code"
Verification code will be sent to your mobile phone registered with Shinhan Finance

Step 3: Activate account
When you receive loan disbursement notification via SMS, you can access to your Account at www.shinhanfinance.vn with User name and new password.

2) Normal login (after first login):

Step 1: Log in to account
- Visit www.shinhanfinance.vn
- Click "LOGIN"
- At "Account Login" section, input "User name" and "Password" (Password is created at first time login).
- Key in "Verification code"
- Click "LOGIN"

Step 2: Login successfully
Click "REGISTER NOW" if you have not registered email with Shinhan Finance.

Question 6

6. What should I pay attention to when logging in my account at Shinhan Finance’s website?

Accepted Answer

If you cannot log in, please check:

User ID/Password is input correctly? Turn of Vietnamese word processing function if needed.

Account is activated yet? If you are unsure, please call 1900 5454 49 press 0.

JavaScript is activated and works on your web browser?

Network system, DNS, stability of internet line?

Question 7

7. How can I update my personal information to Shinhan Finance?

Accepted Answer

If there are any changes in personal information, please update those adjustments via these following channels to receive notifications as well as Shinhan Finance’s attractive promotions:

Option 1:

- Download iShinhan application from CH Play (for Android devices) or App Store (for iOS devices). Or type the link https://m2.shinhanfinance.com.vn on the browser of your phone or computer.

- Select “Tôi muốn tạo tài khoản iShinhan’’ (Skip this step if you already have an account)

- After creating account, you can log in your iShinhan account and select “Tôi muốn vay”

- Select “Thay đổi thông tin”

- Now, you can adjust your username, password, email... according to your needs

Option 2: Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

Option 3: Send support requests to the email address (email): dvkh@shinhanfinance.com.vn

Option 4: Contact Customer Service Center at 1900545449 (press key 0)

Option 5: Go directly to transaction office at https://shinhanfinance.com.vn/contact

Question 8

8. . How do I apply for top-up loan at shinhan finance?

Accepted Answer

If you keep good payment history and meet Shinhan Finance’s requirements, you will have chances for Top-up loan. Please follow the instructions below.

- Download iShinhan application from CH Play (for Android devices) or App Store (for iOS devices). Or type the link https://m2.shinhanfinance.com.vn on the browser of your phone or computer.

- Select “Tôi chưa có tên đăng nhập”, then fill the required information. (Skip this step if you already have an iShinhan account).

- After creating an account, you can log in and select "Tôi muốn"

- Select “Yêu cầu vay thêm”

- Select your desired amount and tenure

- Review the information and click “Gửi Yêu Cầu”

For any questions, please contact us in the following ways:

- Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official.

- Connect with the SVFC Bot via Shinhan Finance's Facebook Messenger.

- Send support requests to the email address (email): dvkh@shinhanfinance.com.vn

- Please call 1900 5454 49, press 0 for more details.

- Go directly to Branches, Service Introduction Points at https://www.shinhanfinance.com.vn/contact or at the " Địa điểm" section on iShinhan App.

Question 9

9. The disavantages of late payment or partial payment

Accepted Answer

Late or partial payment will be updated in your personal credit data at the Credit Information Center of Vietnam (CIC), leading to the following disadvantages:

You hardly have a chance to continue to receive long-term support from Shinhan Finance.

Other financial and credit institutions will be extremely cautious when reviewing your loan application later.

If the Credit Contract/Loan Agreement is not complied with, your case may have to be resolved in a court or a competent Commercial Arbitration Center.

Therefore, when you have a good credit payment history, you will receive the following benefits:

Continue to receive long-term support from Shinhan Finance.

When you have financial need, you will also be approved by credit institutions more easily

Question 10

10. How many types of service fee applied at Shinhan Finance?

Accepted Answer

Shinhan Finance currently applies Service Fees related to loan documents as below:

- Issuance of Loan confirmation lettter: VND 110,000/envelope

- Provide Payment statement: VND 55,000/copy

- Provide copy of Loan agreement: VND 110,000/copy

- Provide copy of Insurance certificate: VND 110,000/copy

- Receive the required documents via post on registered address: VND 55,000/request

- Provide authenticated copy of motorbike registration form; land usage and owned home license: VND 220,000/copy (maximum of 5 copies)

Question 11

11. Which documentation for foreclosure?

Accepted Answer

You can request for loan foreclosure via:

Call 1900 5454 49 press 0

Visit Customer Service Center at Floor 15, PICO buiding, 20 Cong Hoa, Ward 12, Tan Binh Dist., HCMC

Question 12

12. References for Fees, Forms and Contract at Shinhan Finance

Accepted Answer

Auto Loan for Foreigner

- Appendix: Amendment, supplement of contract

- Notice| Reject loan application

- Notice | Reject loan application (Reason)

- The Handover minutes of car registration certigicate (Customer to SVFC)

- The Handover minutes of car registration certigicate (SVFC to Customer)

- General terms of car loan contract

- Minutes of car appraisal

- Loan acceptance letter and drawn down request

- Car mortgage contract

- Loan repayment schedule

- Loan repayment schedule (Adjusted)

- Loan application form

- Prepayment request for a part of the loan

- Early prepayment request of the loan (Termination of car loan contract)

Question 13

13. Which document can I refer to the Shinhan Finance's  General Clauses of Personal loan agreement?

Accepted Answer

You can call 1900 5454 49 to refer to the Shinhan Finance's General Clauses of Personal loan agreement in here or General Clauses of Living Need loan agreement in here

Question 14

14. How do I have iShinhan account to manage my loans?

Accepted Answer

- Download iShinhan application from CH Play (for Android devices) or App Store (for iOS devices).

- Open iShinhan app and select “Tôi muốn tạo tài khoản iShinhan’’

- Log in iShinhan account

- Check “Lịch sử thanh toán” for full details

For any problems while using iShinhan App, please click here.

Question 15

15. What is the average lending interest rate currently applied at Shinhan Finance?

Accepted Answer

The general lending interest rate for all loans at the end of July 2025 (excluding loans through credit card issuance and use) is 29.79%.

Question 16

1. Which channels can I get auto loan consultation?

Accepted Answer

You can contact us in the following ways:

- Apply online at https://www.shinhanfinance.com.vn select “Đăng ký vay ngay”

- Connect with the SVFC Bot on Shinhan Finance's Facebook Messenger

- Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

- Call 1900 5454 49, press key 2 to contact sales office for car loan

- Go directly to Shinhan Finance Network (Service Introduction Points or Branches) https://shinhanfinance.com.vn/...

Question 17

2. What is the minimum and maximum loan amount for Auto loan?

Accepted Answer

The loan amount may range from VND 100 million to VND 10 billion.

Question 18

3. Who is eligible for SVFC auto loan?

Accepted Answer

SVFC's target customer are citizen and resident of Vietnam with stable income, capacity for civil acts, the age from 18 to 70 and use the purchased car for the right purposes.

Question 19

4. What are Shinhan Finance's regulations on the purpose of auto loan?

Accepted Answer

Shinhan Finance approves loans for the purchase of passenger cars with up to 20 seats or trucks with a maximum capacity of 2.5 tons to serve consumer needs such as travel, transportation. SVFC does not approve loans to buy car with purpose: business, freight, rental or other purposes

Question 20

5. What is the current base interest rate applied to auto loans at Shinhan Finance?

Accepted Answer

9.74%/ year

Question 21

6. What is the highest loan to value ratio?

Accepted Answer

Customer can get a loan amount up to 90% of the car value. The car value is determined on the underwriting results of SVFC.

Question 22

7. What is the prepayment fee?

Accepted Answer

The early repayment fee is calculated as follows:

- 3% of repayment amount, if the period from 2nd to 13th.

- 2% of repayment amount, if the period from 14th to 25th.

- 1% of repayment amount, if the period from 26th onwards.

Question 23

8. What is the loan tenure for auto loan?

Accepted Answer

The loan tenure may range from 12 months to 96 months.

Question 24

9. Which date can I choose as my monthly repayment date?

Accepted Answer

Customers can choose date 1, 5, 10 or 16 (calendar days) as their official monthly repayment date.

Question 25

10. What sources of income are accepted by SVFC?

Accepted Answer

SVFC approves all legal income sources from salaries income, leasing income, enterprise or household income.

Question 26

11. Which collateral is accepted by SVFC?

Accepted Answer

SVFC only accepts the car loan to buy new car and use that car as collateral for loan.

Question 27

12. What are regulations to buy auto loan insurance at Shinhan Finance?

Accepted Answer

Shinhan Finance encourages you to buy insurance in accordance with the provisions of the law, while ensure the safety of you and your car as collateral during the loan period.

Question 28

13. Does Shinhan Finance agree that customers can cancel the loans after signing loan agreement with Shinhan Finance and the car buying money has been disbursed successfully?

Accepted Answer

You cannot request to cancel the loan after SVFC disburses successfully.

In this case, you are required to complete the prepayment procedures and pay the early

settlement penalty fee in accordance with the loan contract.

Check out the fee for loan settlement before maturity here

Question 29

14. What is the penalty interest for late payment?

Accepted Answer

- For overdue principal: 150% of the interest rate specified in the contract

- For overdue interest: 10% of the interest rate specified in the contract

Question 30

15. Does Shinhan Finance have regulations of paying a part of the loan before maturity?

Accepted Answer

From the 2nd payment period onwards, you can request for partial loan repayment or all the existing outstanding balance. Please contact us via these following channels:

- Chat with Shinhan staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

- Send your support request via email: dvkh@shinhanfinance.com.vn

- Call 1900 5454 49, press key 0

- Visit Shinhan Finance's branches and offices in Ho Chi Minh City or Hanoi to complete procedures for partial loan repayment before maturity.

Check out the fees here

Question 31

16. How can you know the exact amount to be paid monthly to SVFC after a part of the principal has been pre-paid?

Accepted Answer

Within 03 working days from the date SVFC fully receives a written request for partial payment of principal before due ("Request Form"), signed by you and the amount to be paid according to the Request , SVFC will send you a new payment plan sheet to your registered mailing address.

Or you can actively check your loan information in the following ways:

- Option 1: Connect with SVFC Bot on Facebook Messenger by pressing “Bắt đầu” button, then clicking “Tra cứu khoản vay” below and follow the instructions.

- Option 2: Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

- Option 3: Use the 24/7 automatic loan lookup channel via call center 1900 5454 49 (Press key 1)

Question 32

17. Which document can I refer to the Shinhan Finance's Auto loan agreement and General Clauses of Auto loan agreement?

Accepted Answer

You can call 1900 5454 49 to refer to the Shinhan Finance's Auto loan agreement and General Clauses of Auto loan agreement in here

Question 33

18. How long will I receive my credit underwriting results?

Accepted Answer

SVFC approves the loan application and announces the appraisal results from 6 to 12 hours after receiving the sufficient loan applications and credit documents of the customer.

Question 34

1. What are the advantages of installment loan?

Accepted Answer

You can shop without paying the full value of the product at once. With installment loan at Shinhan Finance, you can:

- Plan your budget over the long term.

- Easily manage personal finance when predicting exactly the monthly repayment.

- Pay a small amount in advance and receive the product immediately.

Question 35

2. How can I get consultation for installment consultation?

Accepted Answer

For any advices, you can contact us via one of these channels:

1. Connect with the SVFC Bot on Shinhan Finance's Facebook Messenger by pressing the “Bắt đầu” button, then clicking the “Đăng ký vay” button below and choosing a loan that suits your needs.

2. Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

3. Send support request to email address dvkh@shinhanfinance.com.vn

4. Call 19005454 49, press key 2 to contact Sales Offices

5. Directly contact SVFC employees at stores for installment loans support.

6. Go directly to Branches, Service Introduction Points at https://www.shinhanfinance.com.vn/contact or at the "Địa điểm" section on iShinhan App.

To be able to get the loan quickly, please bring your ID Card, Driver's License / Residence Book.

Question 36

3. What products can be approved for installment loan?

Accepted Answer

SVFC approves installment loans on a variety of products such as motorcycles, electronic devices, household goods, mobile phones, weddings, travel, health, education...

In addition, Shinhan Finance is constantly expanding our product portfolio to meet the diverse consumption needs of customers.

Question 37

4. Who is eligible for installment loan?

Accepted Answer

SVFC's target customer are Vietnamese citizens from full 19 to 70 years old, with a stable income, living and working in the locality where Shinhan Finance serves.

Question 38

5. What is the maximum loan amount for installment loan?

Accepted Answer

The maximum loan amount for Installment Loan is up to 100 million VND.

Question 39

6. What is the minimum prepayment amount?

Accepted Answer

You only need to pay at least 10% of the value of the goods in advance.

Question 40

7. What are the required documents for Shinhan Finance’s installment loan?

Accepted Answer

The mandatory documents required for installment loan are the copy of ID card and Driver License/ Residence Book. In addition, depending on the loan amount, Shinhan Finance may require additional proofs of income and current residence.

Note: You need to bring the original documents for comparison when SVFC approving the loan.

Question 41

8. How long can the loan term be applied?

Accepted Answer

The loan term is from 6 to 48 months, depending on the product you choose for installments.

Question 42

9. How long does the document assessment time?

Accepted Answer

If you provide the required information accurately with valid documents, the application will be approved within 30 minutes.

Question 43

10. Does Shinhan Finance allow the owner of the motobike is the wife/ husband of the borrower?

Accepted Answer

The borrower and the person whose name written on the Vehicle Registration Certificate must be the same person.

You need to maintain title to the property for the duration of the Credit/ Loan Contract. After completing the payment obligation and closing the contract, you can transfer the vehicle ownership to another person.

Question 44

11. Which citys/ provinces are Shinhan Finance agreed for installment loan?

Accepted Answer

You can pay for goods by installments while living in the locality where Shinhan Finance serves. For more details, please visit website https://www.shinhanfinance.com.vn/contact

Question 45

12. How do I get a copy of the vehicle registration after loan approval?

Accepted Answer

After receiving the original of Vehicle Registration Certificate, SVFC will contact relevant departments to provide a certified true copy of the Vehicle Registration Certificate.

For more details, you can contact us via these channels:

- Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

- Connect with SVFC Bot via Facebook Messenger

- Send support request to email address dvkh@shinhanfinance.com.vn

- Call 19005454 49, press key 2 to contact Sales Office

Question 46

13. How does Shinhan Finance support customers to lend the original motorcycle registration?

Accepted Answer

Please bring ID card, vehicle confiscation record. Then, you directly contact SVFC staffs at the store you have contracted for support. Or, you can contact us via these following channels:

- Chat with our staffs to request support via Shinhan Finance's official Zalo page: https://bit.ly/ShinhanFinance-Zalo-official

- Send support request to email address dvkh@shinhanfinance.com.vn

- Call 19005454 49, press key 0

- Go directly to Branches, Service Introduction Points at https://shinhanfinance.com.vn/contact or at the "Địa điểm" section on iShinhan application.

Question 47

1. Credit limit and validity of Shinhan Finance THE FIRST credit card?

Accepted Answer

Shinhan Finance The First credit card limit: minimum 5 million VND and maximum 100 million VND

Card validity: 5 years

Question 48

2. What is the credit card repayment date?

Accepted Answer

The card balance repayment date is the last day that cardholder has to pay statement balance or minimum amount due stated on the monthly statement.

Question 49

3. How can I activate a credit card?

Accepted Answer

After receiving a credit card from Shinhan Finance, you can choose one of the following 3 methods to activate the card:

- Send SMS with syntax to 6089

- Mobile application iShinhan

- Call hotline 1900545449

View details here

Question 50

4. How can I create an ePIN?

Accepted Answer

You can create an ePin via the following 02 methods:

- Send SMS with syntax to 6089

- Mobile application iShinhan

View details here

Question 51

5. How do I pay the credit card balance?

Accepted Answer

Please refer and make Credit Card payment to Shinhan Finance using the following methods to ensure the transaction is always successful and maintain a good credit history.

1. Payment via automatic debit service (Auto debit):
- VCB Digibank & Vietcombank Branches
- BIDV SmartBanking & BIDV Branches
- Via ZaloPay and ShopeePay e-Wallet links on iShinhan application
2. Payment via Napas 247 fast money transfer service at more than 50 banks
3. Online Payment Channel
- iShinhan application
- Website https://www.shinhanfinance.com...
- Application or E-Wallets: MoMo, ZaloPay, ShopeePay, Payoo, Viettel Money
- Online Banking: Vietcombank, BIDV, VietinBank
4. Cash Payment Channel
- Bank counters: Vietcombank, BIDV, VietinBank
- Collection service point of/ Stores connected with VNPT EPAY, VNPost (Code: 1304), Payoo, Viettel

Detailed instructions here.

Question 52

6. Notes to help customers use credit card safely?

Accepted Answer

To ensure safety and avoid unintended risks when using credit cards, Shinhan Finance would like to send you a few notes when making transactions.

View details here

Question 53

7. How will I pay with credit card at shopphing locations?

Accepted Answer

The credit card will help you make quick and convenient payments at card-accepting locations with very simple operations.

View details here

Question 54

8. How to withdraw cash at the ATM?

Accepted Answer

The outstanding feature of Shinhan Finance The First credit card is that you can withdraw cash up to 100% of the card limit. To withdraw cash, please first create an ePin according to the instructions in Question 3 and then make a withdrawal at an ATM according to the detailed instructions here

Question 55

9. I want to buy and pay online with credit card

Accepted Answer

With this credit card, Shinhan Finance wishes to bring you a safe payment solution and meet current consumption trends. With a few basic steps, you can choose to purchase according to your needs and make a simple payment by credit card.

Please see detailed instructions here to make a purchase.

Question 56

10. Important information to note when reading credit card statement

Accepted Answer

On a monthly basis, Shinhan Finance prepares a "Statement" - listing details of transactions, interest, fees, adjustments (if any), minimum amount due, statement closing balance, due date and other card-related information. You will view the statement details in 2 ways:

- Via the email that you registered with Shinhan Finance in the form of a PDF file and have been securely encrypted.

- Enquire "Statement" through iShinhan mobile application.

Please see detailed information to note when you read your credit card statement here

Question 57

11. Benefits of installment plan

Accepted Answer

With Shinhan Finance The First credit card installment plan, you can shop without paying the full value of the product at once. The installment conversion will help you:

- Plan your budget over the long term.

- Easily arrange personal finance when knowing the specific monthly installment to pay.

- Low down payment and receive the product right away.

- Enjoy 0% interest rate from partners affiliated with Shinhan Finance.

Question 58

12. How can I convert transactions to installment

Accepted Answer

Shinhan Finance The First credit card is applying installment payment for the following transactions:

- Cash withdrawal transaction

- Purchase transaction

To request installment conversion for the mentioned above transactions, please see the instructions here

Question 59

13. In case of installment early repayment, will I be charged any fee?

Accepted Answer

For transactions which was converted to installments, in case you request to early repay, an early repayment fee will be charged, specifically as follows

- 6% on the remaining installment balance.

Question 60

14. How much are the interest and charges in case of late payment?

Accepted Answer

- Late payment fee only applies to late payment of less than 60 days: 4% of the minimum amount due (minimum VND 150,000).

- Interest rate applies when late payment is less than 60 days: 44%/year.

- Interest rate applies when late payment is over 60 days: 150% * 44%/year.

Question 61

15. THE FIRST credit card terms & conditions and user guideline

Accepted Answer

- Terms & conditions

- User guideline

- Download iShinhan app:

App store
CH Play

Question 62

16. Refer to the Basic Terms of Shinhan Finance Credit Card Contract?

Accepted Answer

Please refer to:

Credit Card Issuance and Usage Agreement here

Principle Agreement on Credit Granting here

Or call 1900 5454 49 for specific advice.

Question 63

17. What is a virtual credit card?

Accepted Answer

A virtual credit card is a type of card that does not exist in physical form but still contains all the information on the card, issued by banks or credit institutions to the cardholder for making transactions over the internet using a mobile phone or other electronic device.

Question 64

18. What are the features of virtual credit cards?

Accepted Answer

The features of THE FIRST virtual credit card are as follows:

- Flexibly withdraw cash and spend immediately after successfully issuing the card on iShinhan

- Free cash withdrawal at VPBank transaction counters within 30 days from card issuance date and flexible installment payments up to 48 months

- Free annual fee during card use

- Make online payments and tap to pay via Google Pay to shop anytime, anywhere

- 0% installment payments at affiliated partners

FAQs