How much is the annual fee for ATM card, Techcombank account?

With card services, when customers use Techcombank, they have to pay a fee called Techcombank annual fee. This fee is charged on an annual basis and is obligatory to the customer. To learn more about this content, please refer to the article summarized by Banktop below.

What is Techcombank's annual fee?

Techcombank annual fee is a fee that customers will pay annually when using card services at the bank. This fee includes the receipt, transfer, withdrawal, account lookup, account features, payment, etc. If the customer opens an account but does not issue a card, this fee will not be charged.

After a specified period of 1 year, the bank will automatically deduct this annual fee directly from the customer's account. If the account does not have enough balance to pay, the bank will charge a negative amount until the customer makes a deposit. With a credit card, if the customer does not have enough payment balance, the account will be locked.

Update the latest updated Techcombank money transfer fee schedule

If Techcombank doesn't pay the annual fee, what can I do?

No annual fee for ATM card

Each bank's ATM account always requires a minimum balance of 50,000 VND, if the annual fee is due and the customer's account only has enough money to maintain the account, the bank will also deduct this amount to pay the regular fee. year.

When the customer deposits money into the account, the bank will deduct the corresponding amount to make up for the minimum balance that the bank has previously deducted.

No annual fee for Techcombank credit card

Failure to pay the annual fee of a credit card can lead to problems such as: Locking the card, causing bad debt due to not paying on time, reducing credit score.

Techcombank annual fee schedule updated to 2022

For each type of card when used by customers at Techcombank, there will be different fee rates, specifically the card types at Techcombank are applying the fee schedule as follows:

F@stAccess card annual fee

Normal customers will have a fee: 60,000 VND/year.

VIP customers: Free.

Techcombank Visa Card Annual Fee

Annual fee for Visa Techcombank card will have the following fees for each card type.

With regular customers:

Standard Visa Card: 90,000 VND/year

Gold Visa Card: 200,000 VND/year

Vincom Loyalty Standard Card: Free for the first year, 150,000 VND/year for the next year

Vincom Loyalty Gold Card: Free for the first year, 250,000 VND/year for the next year

VIP card Vingroup Loyalty Platinum: Free for the first year, next year 499,000 VND/year

Vietnam Airlines Visa Standard Card: 190,000 VND/year

Vietnam Airlines Visa Gold Card: 290,000 VND/year

Vietnam Airlines Visa Platinum card: 590,000 VND/year

With VIP customers: The annual fee will be completely free when using the service at TechcomBank.

Techcombank credit card annual fee

Customers using credit cards at TechcomBank will have to pay annual fees according to the following cards:

Visa Infinite credit card: Annual fee 20,000,000 VND/card

Visa Signature credit card: Annual fee 1,499,000 VND/card

Visa Platinum credit card: Annual fee 950,000 VND/card

Standard Visa Credit Card: Annual fee 300,000 VND/card

Gold Visa Credit Card: Annual fee 500,000VND/card

MercedesCard Platinum credit card: Annual fee 950,000 VND/card

Vip Vingroup Platinum credit card: Annual fee 950,000 VND/card

Vietnam Airlines Visa Standard Credit Card: Annual fee 390,000 VND/card

Vietnam Airlines Visa Gold credit card: Annual fee 590,000 VND/card

Vietnam Airlines Visa Platinum credit card: Annual fee 990,000 VND/card

Some other Techcombank ATM card annual fees

In addition, there are a number of other Techcombank ATM card annual fees such as:

ATM withdrawal fee: From 1000 - 3000 VND.

Password re-issuance and unlocking fee: 30,000 VND/time.

Service fees for SMS Banking, Internet Banking, etc.

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How to reduce Techcombank ATM card annual fee?

Program to accumulate points and redeem gifts

TechcomBank will often launch promotions, including the program to accumulate points and redeem gifts. You can join this program to accumulate points and can be converted into money if applicable.

Using this money helps you reduce Techcombank's annual fee at the bank, which is quite reasonable and helps to reduce costs significantly.

Choose a card with many incentives

At TechcomBank, there are also many types of cards with many features and incentives so that customers can choose the right card service. You can choose cards that offer incentives and are free to use annually. There will be other types of customer cards that can also be free of annual fees from 1 to 2 years.

Negotiate with the bank

If you want to reduce the cost of the annual fee, you can also negotiate and talk to the banking department for support. Provided that the customer must meet one of the bank's conditions such as frequently transacting, using a lot of services, being a business, etc., the bank may sometimes consider reducing fees.

Techcombank Annual Fee Refund Program

Joining TechcomBank's annual fee refund program helps customers save 1 money with the cost of paying annual fees each year on their credit cards.

Customers that can participate are:

Customers use credit cards, not applicable for Dream Card.

The type of credit card must be eligible for refund according to the bank's policy.

Conditions for customers to participate:

Credit card first issued at the bank, or new card issued after canceling the old card from 180 days.

The card is still active until the time of the refund. Card activation date is calculated within the validity period issued by the bank.

Within 3 months from the card activation, the Standard and Gold cards must have a minimum total spending of 500,000 VND or more and the Platinum card must reach the spending of 1,000,000 VND or more.

Visa Signature card must have a minimum total spending of VND 5,000,000 or more within 30 days from the date of activation.

Conclude

In the above article, Banktop has compiled for you the most complete information about Techcombank's annual fee. So that you can refer to the fee depending on each card type when registering for card service at Techcombank. If you have a need to use it, choose the type of card that suits your needs.

Information edited by Banktop.vn