Name: Credit card “THE FIRST”
Rating: 4.8 (2896 reviews)

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Chúng tôi tin rằng việc MoMo cùng Shinhan Finance luôn đồng hành và hợp tác lâu dài sẽ mang đến những giá trị thiết thực dành cho khách hàng cũng như đạt được nhiều thành công mới trong tương lai.

VNPAY tự hào khi được đồng hành và sát cánh cùng Shinhan Finance trong suốt thời gian qua và cả trong hành trình hợp tác đa dịch vụ, đa nền tảng sắp tới. Chúc mừng Shinhan Finance 5 năm phát triển.

Nguyễn Kim và Shinhan Finance không chỉ là mối quan hệ hợp tác về thương mại, mà còn chung sứ mệnh mang đến khách hàng trải nghiệm tốt nhất thông qua sản phẩm và dịch vụ tài chính an toàn, minh bạch.

Di Động Việt khẳng định sẽ luôn đồng hành với Shinhan Finance, tạo nên mối quan hệ hợp tác bền vững không chỉ là 5 năm, mà còn trong suốt hành trình chinh phục tại thị trường Việt Nam sắp tới.

FPT Shop trân trọng mối quan hệ vững chắc cùng Shinhan Finance trong suốt hành trình kiến tạo nên những trải nghiệm tài chính an toàn, minh bạch và những giá trị tốt đẹp mang đến cho khách hàng.

Hoàng Hà Mobile và Shinhan Finance đã và đang cùng nhau phát triển nhiều dịch vụ mua hàng tiện ích giúp nâng cao trải nghiệm cho khách hàng.

Shinhan Finance's credit card The First stand out for my personal expense. Besides, I can make statement balance payment easily via e-wallet as MoMo, VNPAY.

As an IT engineer, a crucial reason why I choose the financial company's services is not-disclosed customer information. Then after experiencing in service, I put my trust in Shinhan Finance.

I am so impress and sastified because Shinhan Finance's customer care is such professional and conscientious.

Loan interest of Shinhan Finance is so competitive. It's helping to solve my personal expenses. I am pleased that Shinhan Finance's staffs always actively & immediately support.

I choose Shinhan Finance because of the company's credibility in marketplace, especially customer information is not be disclosed, be confidential. In addition, loan approval and payment's process is a plus when using Shinhan Finance's services.

Accompanying and Experiencing with Shinhan Finance

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On cash withdrawal at ATM up to 100% credit card limit

With “THE FIRST” credit card, you will enjoy up to 45 days of free interest

When you convert purchase transactions into installments

UNLIMITED reward points on every spending transaction

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With the versatile credit card THE FIRST, you will enjoy easily many offers and get cash in advance up to 100% of your card limit

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Eligibility & Documents

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

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

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.

2. What is the credit card repayment date?

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
<a href="https://shinhanfinance.com.vn/assets/site/3.-HD_kich-hoat-the_en.pdf" target="_blank" rel="noreferrer noopener">View details here</a>

3. How can I activate a credit card?

You can create an ePin via the following 02 methods:
-	Send SMS with syntax to 6089
-	Mobile application iShinhan
<a href="/assets/site/4.-HD_tao-ePIN-the_en.pdf" target="_blank" rel="noreferrer noopener">View details here</a>

4. How can I create an ePIN?

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 &amp; Vietcombank Branches - BIDV SmartBanking &amp; 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 <a href="https://www.shinhanfinance.com.vn/">https://www.shinhanfinance.com...</a> - 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 <a href="https://shinhanfinance.com.vn/assets/site/HD_thanh-toan-du-no-the_EN-221123.pdf" target="_blank" rel="noreferrer noopener">here</a>.

5. How do I pay the credit card balance?

To ensure safety and avoid unintended risks when using credit cards, Shinhan Finance would like to send you a few notes when making transactions.
<a href="/assets/site/6.-HD_SD-the-an-toan_En.pdf" target="_blank" rel="noreferrer noopener">View details here</a>

6. Notes to help customers use credit card safely?

The credit card will help you make quick and convenient payments at card-accepting locations with very simple operations. 
<a href="/assets/site/7.-HD_thanh-toan-tai-diem-chap-nhan-the_En.pdf" target="_blank" rel="noreferrer noopener">View details here</a>

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

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 <a href="/assets/site/8.-HD_rut-tien-mat_En.pdf" target="_blank" rel="noreferrer noopener">here</a>

8. How to withdraw cash at the ATM?

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 <a href="/assets/site/9.-HD_THANH-TOÁN-TRỰC-TUYẾN_En.pdf" target="_blank" rel="noreferrer noopener">here</a> to make a purchase.

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

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 <a href="/assets/site/10.-Luu-y-doc-sao-ke-the_En.pdf" target="_blank" rel="noreferrer noopener">here</a>

10. Important information to note when reading credit card statement

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.

11. Benefits of installment plan

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 <a href="/assets/site/12.-HD_CHUYEN-DOI-TRA-GOP_en-v2.pdf" target="_blank" rel="noreferrer noopener">here</a>

12. How can I convert transactions to installment

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.

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

-	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: 40%/year.
-	Interest rate applies when late payment is over 60 days: 150% * 40%/year.

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

- <a href="/assets/products/Credit-Card-General-TnC.pdf" target="_blank" rel="noreferrer noopener">Terms &amp; conditions</a>
- <a href="/assets/site/THE-FIRST-CREDIT-CARD-USER-GUIDE-11.02.2025.pdf" target="_blank" rel="noreferrer noopener">User guideline</a>
- Download iShinhan app:
<ul><li>App store</li><li>CH Play</li></ul>

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

Sau khi làm
thẻ tín dụng, bạn có thể thanh toán dư nợ bằng nhiều phương thức khác nhau, bao gồm:
<ul>
 <li>Thanh toán tại quầy giao dịch ngân hàng BIDV.</li>
 <li>Thanh toán qua cửa hàng liên kết Payoo.</li>
 <li>Thanh toán qua điểm thu hộ VN Post hoặc VNPT EPAY.</li>
 <li>Sử dụng ví điện tử như MoMo, ZaloPay, Shopee Pay.</li>
 <li>Thanh toán qua website Shinhan Finance hoặc ứng dụng iShinhan.</li>
</ul>
Lưu ý thanh toán đúng hạn để tránh phát sinh chi phí và nợ xấu.

Cách Thanh Toán Dư Nợ Thẻ Tín Dụng

Một trong những điểm cộng của thẻ tín dụng Shinhan Finance là mức phí rút tiền mặt chỉ 1%, thấp hơn nhiều so với các công ty tài chính khác (thường từ 3-5%). Đây là một trong những ưu điểm giúp bạn tiết kiệm chi phí khi cần rút tiền mặt từ thẻ.

Phí Rút Tiền Mặt Thẻ Tín Dụng Shinhan Finance

Nếu bạn đáp ứng đủ điều kiện mở thẻ tín dụng, việc mở thẻ tín dụng online sẽ cực kỳ dễ dàng. Bạn có thể chọn 2 phương án sau để biết <a href="https://shinhanfinance.com.vn/vi/product/card/the-tin-dung">cách mở thẻ tín dụng</a> online
<h2>Cách 1: Làm Thẻ Tín Dụng Qua Website Shinhan Finance</h2>
<ol>
 <li>Truy cập vào trang web chính thức của Shinhan Finance.</li>
 <li>Chọn Sản phẩm Tài chính và chọn Thẻ tín dụng.</li>
 <li>Nhấn vào nút “Mở thẻ ngay”.</li>
 <li>Điền đầy đủ thông tin cá nhân và nhấn “Hoàn tất đăng ký”.</li>
</ol>
Sau khi hoàn thành đăng ký, bạn sẽ nhận được hướng dẫn cụ thể về biểu phí và lãi suất thẻ tín dụng.
<h2>Cách 2: Đăng Ký Qua Ứng Dụng iShinhan</h2>
<ol>
 <li>Tải ứng dụng iShinhan từ App Store hoặc Google Play.</li>
 <li>Chọn “Tôi cần thẻ tín dụng”.</li>
 <li>Điền đầy đủ thông tin cá nhân theo yêu cầu của ứng dụng.</li>
 <li>Hoàn tất quá trình đăng ký.</li>
</ol>
Khi đủ điều kiện, Shinhan Finance sẽ phát hành thẻ cho bạn. Bạn có thể nhận thẻ tại phòng giao dịch hoặc yêu cầu chuyển phát nhanh đến địa chỉ của mình.

Cách Đăng Ký Mở Thẻ Tín Dụng Online Shinhan Finance

Outstanding advantages “THE FIRST” credit card

Enjoy experiencing “THE FIRST”

Shinhan Zone

Calculate your repayments

Cash advance is up to 100% credit limit

Enjoy 45 days of interest-free

Flexible installment with 0% interest rate

Unlimited 0.5% reward points

What you can get

Related products

Enjoy shopping with 0% interest installment conversion offer with just 1 touch:
<ul><li><a href="https://www.shinhanfinance.com.vn/assets/site/Quy-dinh-chung-cua-tra-gop-the-tin-dung-EN_2023-09-27-022028.pdf" target="_blank" rel="noreferrer noopener">General regulations on installment plan</a></li><li><a href="/assets/products/HD_CHUYEN-DOI-TRA-GOP_en-v2.pdf" target="_blank" rel="noreferrer noopener">How to apply installment plan</a></li></ul>

Installment Plan

<ul><li><a href="/assets/products/HD_tao-ePin-the_en.pdf" target="_blank" rel="noreferrer noopener">Create ePin</a></li><li><a href="/assets/products/HD_kich-hoat-the_en.pdf" target="_blank" rel="noreferrer noopener">Card Activation</a></li><li><a href="/assets/products/HD_thanh-toan-the_en.pdf" target="_blank" rel="noreferrer noopener">Payment in iShinhan</a></li><li><a href="https://shinhanfinance.com.vn/assets/promotionTag/Introduction_CW_VirtualCard_iSH_vn.pdf" target="_blank" rel="noreferrer noopener">Create and manage cash withdrawal codes flexibly with the virtual credit card</a></li></ul>

Card services on iShinhan

Thẻ tín dụng The First - cách đăng ký mở thẻ tín dụng online tại Shinhan Finance với lãi suất thấp, điều kiện đăng ký mở thẻ đơn giản, mở tài khoản dễ dàng