Eximbank is pleased to announce our Annual Fee Incentive Policy dedicated to Eximbank International Credit Cardholders as follows:

1. First-Year Annual Fee Incentive

Cardholders will receive a 100% annual fee cashback for the first year upon achieving the minimum cumulative eligible spending amount within 60 days from the card activation date:

Card Tier	Minimum 60-Day Cumulative Spend
Standard / Gold (including Visa Business)	From VND 300,000
Platinum	From VND 1,000,000
Mastercard Business World	From VND 800,000
Visa Signature / One World Mastercard / JCB Ultimate	From VND 2,000,000

2. Annual Fee Incentives from Year 2

Cardholders will enjoy a 100% fee waiver or a 50% fee reduction for subsequent years based on the total cumulative spend in the preceding 12 months:

Card Tier	Preceding Year Spend
	50% Fee Reduction	100% Fee Waiver
Standard / Gold (including Visa Business)	From VND 30,000,000 to under VND 50,000,000	From VND 50,000,000 and above
Visa Platinum Cashback	From VND 50,000,000 to under VND 80,000,000	From VND 80,000,000 and above
Platinum (other cards)	From VND 50,000,000 to under VND 100,000,000	From VND 100,000,000 and above
Visa Signature / One World Mastercard / JCB Ultimate / Mastercard Business World	From VND 150,000,000 to under VND 250,000,000	From VND 250,000,000 and above

3. General Terms & Conditions

- Eligible Customers: Existing Eximbank international credit cardholders (including principal and supplementary cardholders) who meet the specified spending criteria (this program excludes Eximbank employees).

- Eligible Cumulative Spend: Defined as the total sum of valid retail merchandise purchases and service payment transactions executed via Eximbank International Credit Cards.

- Non-Eligible Transactions: The following transactions are excluded from cumulative spend calculations:

• Cash advances or cash-equivalent transactions.
• Canceled, refunded, or credited transactions.
• Utility bill payments such as Electricity/Water/Utilities (MCC 4900) and Advertising services (MCC 7311).
• System testing transactions, transactions resulting from technical errors, fraudulent/fake transactions, program abuse, or transactions currently under dispute/investigation.
• Transactions violating applicable laws and regulations.

Please refer to the detailed Terms & Conditions of the Annual Fee Incentive Policy here.

For any inquiries regarding this policy, please contact us via:

• Hotline: 19006655
• Email: contact@eximbank.com.vn