Terms and conditions of Cash Back program VIB Platinum debit card

2.1 For Cardholders

• All cardholder transactions will be charged to the Primary Cardholder.
• If the Supplementary Card is canceled at any time for any reason, the Primary Cardholder still has the right to participate in this Program.
• All refunds and/or refunds credited to the Cardholder's Account will cease to be effective and VIB will not be required to refund, extend or indemnify. Yes:
  • Card canceled;
  • The card is converted to another VIB product
  • Cardholder violates terms and conditions of card use of the card product that the Cardholder is using
  • Card is not used for 24 months.
• Cardholders may not transfer the rewards accrued from a Card account that has expired or is closed to an existing Card account, or from one Credit Card to another.

2.2 For Cardholder Transactions
Refunds are transactions that meet the following conditions:

• Payment transactions for goods and services for personal consumption through POS and Internet at the card accepting units excluding transactions at the card accepting units with goods and services items (MCC) in accordance with the International Card Organization's 4900 - Utilities-electric, gas, water. VIB reserves the right to substitute these MCCs without notice.
• Balance transfer transactions, or payment transactions that are returned, refunded, disputed, or invalid or counterfeit, and taxes on goods or services will not be counted. Any refunds accrued from any of the above transactions will be canceled. In the event that the refund is credited/converted and/or used, VIB will debit the Cardholder's Card Account corresponding to the refunded amount or equivalent gift value. changed before. VIB reserves the right, at any time, in determining the transaction or fee or transaction to be accepted when calculating the cumulative refund or changing the calculation of the program.

2.3 For cumulative mileage

• Cumulative mileage does not expire and does not exceed the maximum cumulative limit for each product for a statement period. VIB reserves the right to change the maximum cumulative mileage in this period without prior notice.
• The accumulated mileage will be reflected on your monthly credit card statement. The cumulative mileage shown in each statement is the amount of miles earned based on transactions that meet the conditions stated in this statement, minus the converted mileage if applicable.

2.4 The accumulated mileage in each statement is rounded down.

• The cumulative mileage has no cash value until it has been successfully converted. Cardholders can not give, transfer or transfer to others.
• Falsification or abuse for the cumulative mileage or redeem bonus may result in cancellation of the full amount of rewards that Cardholder accrued during the statement period.
• At the time of VIB refund, if the card status of the customer is not in normal operation status (card is lost, stolen, invalid card, debit/debit card, debit card overdue ...), VIB reserves the right to freeze mileage accrued by Customer until the card returns to normal.

2.5 Process, procedure and procedures for receiving the award

• Customers accumulate rewards based on actual spend arising from the date of program launch.
• The cardholder can redeem the cumulative miles earned through MyVIB's e-Banking / Application service or contact the 24/7 Customer Service Department.
• The deadline for VIB to convert the reward to the Cardholder is 30 days from the date the Cardholder requests the conversion or 45 days if the conversion time falls on the occasion of Tet holidays. This term may vary according to VIB's announcement in each period.

2.6 Other conditions

• These programs completely replace the old refund program starting from the effective date.
• VIB is entitled to change and adjust the terms and conditions of the program during the program that VIB considers reasonable. & Nbsp; & nbsp; the latest will be published only & nbsp; on & nbsp; website VIB: www.vib.com.vn
• VIB reserves the right to discontinue or exclude a Cardholder from this Program if the Primary Cardholder or the Supplementary Cardholder violates these Terms and Conditions or the Terms and Conditions relating to the issuance and use. VIB card; or the Cardholder does not use the card in accordance with the provisions of the Cashback Program.
• In case VIB suspects that the Cardholder has tampered or abusive behavior in order to receive the cumulative reward, VIB may request the Customer to provide transaction documents and cancel all accumulated amounts through the VIB.