Name: Credit card “THE FIRST”
Rating: 5 (1 reviews)

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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.

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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="/assets/products/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.
ONLINE PAYMENT CHANNEL
1.	Online payment on iShinhan application (link with e-wallet MoMo, ZaloPay, ShopeePay, VNPAY)
2.	Website Shinhan Finance (link with e-wallet MoMo, ZaloPay)
3.	E-wallet MoMo, ZaloPay, ShopeePay, Payoo
4.	BIDV e-banking (Internet banking và Mobile banking BIDV)
CASH PAYMENT CHANNEL
1.	Stores contect with Payoo (Circle K, Family mart,…). Detailed address <a href="https://shinhanfinance.com.vn/assets/site/Payooo_DS-%C4%91i%E1%BB%83m-thu-h%E1%BB%99_C%E1%BA%ADp-nh%E1%BA%ADt-T2.2022.pdf" target="_blank" rel="noreferrer noopener">here</a>.
2.	BIDV Branch
3. Postal service points of Vietnam Post - VNPost
4. Collection affiliates of VNPT EPAY

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/SVFC-Credit-Card-TC.pdf" target="_blank" rel="noreferrer noopener">Terms &amp; conditions</a>
- <a href="/assets/site/THE-FIRST-CREDIT-CARD-USER-GUIDE_VN.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

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></ul>

Card services on iShinhan

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