Shinhan Gold Hi-Point Credit Card benefits you UNLIMITED POINTS and HIGH LIMIT for convenient purchases all year round. The more spending, the more earning!

Points Reward

Welcome points: equivalent to annual fee.

Don’t miss your extra bonus points! Primary cardholder of Shinhan Gold Hi-Point Credit Card is entitled to 550,000 welcome points as soon as the first transaction is made within 60 days since the 1st date of card issuance registration.

Base points: 0.3% rate on every spend.

  • Cardholders, both Primary/Supplementary, earn UNLIMITED 0.3% point rate on every spend (1point = 1VND).
  • No minimum spending required.

Special Point I: ADDITIONAL 5% point rate at Shinhan Alliance Partners.

Terms & Conditions

  • Special Point I only applies if total spending in statement cycle reaches at least VND 3,000,000. Otherwise, Base points (0.3%) will apply.
  • Maximum reward is 400,000 points/cycle.

Special Point II: ADDITIONAL 1% point rate at Special Merchant Categories.

Receive 10 Points for every VND 1,000 spent via Shinhan Hi-Point Gold credit card at special categories including:

  • Grocery/ Supermarket spending
  • Dining spending

Terms & Conditions

  • Special Point I only applies if total spending in statement cycle reaches at least VND 3,000,000. Otherwise, Base points (0.3%) will apply for above-stated categories (*).
  • Maximum reward is 200,000 points/cycle.
  • Special Point II does not apply for transactions eligible for Special Point I.
*Category is based on categorization of merchants by Merchant Category Code (MCC) according to Visa regulation.

Point redemption: multiple choices of rewards.

Shinhan Gold Hi-Point Credit Card gives you greater flexibility of choices to redeem rewards from accumulated points whether in cash or mileage.

Point usage

How to Redeem

Where to Redeem


Shinhan Branches/Transaction Offices

Cash-back to VND Payment Account at Shinhan Bank

Shinhan Branches/ Transaction Offices/InternetBanking/Contact Center 1900-1577.

Lotusmiles Conversion

 Contact Center 1900-1577.

Cash-back: Minimum point redemption: 15,000 points = VND 15,000
Lotusmiles point redemption: 280,000 points/time = 1,000 Miles.
Exchange rate: 280 points = 1 mile
The redeemed Miles must be multiple of 1,000.
For Terms and Conditions of Shinhan Point Program, please click here.

Other Benefits

Shinhan Zone up to 50% discount

Indulge yourself in a variety of exclusive discounts up to 50% at more than 200 Shinhan Zone merchants.

Shinhan Installment Plan

Optimize your budget plan with Shinhan Installment by making smaller payments for up to 12 months. With any transaction from VND 3,000,000, you can easily convert to installment repayment with preferential interest or 0% installment at more than 50 Shinhan’s affiliate merchants.

Bill payment service via Shinhan Visa Credit card

Now, it is so easy to make payment for your various monthly service bills with Shinhan Credit card bill payment service. This service is applied for all Shinhan Visa Consumer/ Corporate Credit card.


Special offers for Shinhan Visa card

Enjoy exclusive privileges for Shinhan Visa cardholders.


Secured card

Un-secured card

1. Individual from 18 years of age; and
2. Having saving/ term account with term from 3 months and balance from VND 33,400,000 (or other equivalent currency) at Shinhan Bank.

Individual from 20-65 years old (especially for cardholder who is salary earner: from 20 years old to retirement age), residing or works in city/province where Shinhan’s branches are locating and joint boundary provinces.

1. FOR SALARY EARNER: at least 3 months working at current employer.

  • Vietnamese: Minimum net income VND 12,000,000 per month.
  • Foreigners: Minimum net income VND 33,000,000 per month (Korean: VND 20,000,000).

2. FOR SELF-EMPLOYED/ BUSINESS OWNER: at least 2 years in the current business or similar industry/ business.

Shinhan Bank shall consider, evaluate other criteria including but not limited to occupations, professional positions, income, credit status and property. Please contact your Shinhan Bank nearest branch or call 1900-1577 or register here for further support.

Required Documents


Card Application


Applicant’s identity proof and residence confirmation


Applicant’s income proof 

Income earner’s income evidence documents:

  • Labour contract or any other replacement documents accepted by SHBVN
  • An original copy of bank account Statement (including income receipts of recent 3 months)

Self-employed and business owner’s income evidence documents:

  • Business certificate or any other legal replacement documents