PROGRAM RULES IVB REWARD POINTS FOR IVB VISA CARDS
Effective from 03/04/2023

With the desire to improve the quality of customer care who have trusted to use the bank's international card services in recent years, IVB would like to inform you of the IVB reward points for Visa cards to thank loyal customers who are currently using IVB Visa personal credit card and IVB Visa debit card valid for domestic The application is as follows:

1. Program Name: BIG POINTS ACCUMULATION - HUGE CASHBACK - ONLY AT IVB

2.  Application period: From 03/04/2023 from 04/04/2024 or until the budget ends whichever comes first.

3. Applicable products: Personal IVB Visa Credit Card and IVB Visa Debit Card in valid 

4. Subjects of application: Existing customers are IVB Visa personal credit cardholders and IVB Visa debit cards who have accumulated reward points and recorded on IVB's system.

5. Program Funding: 300.000.000 (in words: three hundred million VND) or until the expiration of the Program application period at Point 2. 

6. Program Eligibility:
• The points can be redeemed into cashback. IVB shall transfer the qualified cashback amount directly to the cardholder's account and/or debit/credit card number (LOC account). Cardholder’s account and/or debit/credit card number must be valid at the time receiving cashback amount at IVB. 
• The redemption rate may vary depending on IVB's decision from time to time.
• The reward points promotion may end earlier than schedule depending on the budget approved by IVB. If the budget ends or promotional program is stopped, all reward points of customers shall be clear by IVB. IVB solely retains the right to clear/decide all the rewards points of customers.
7. Rate of reward points accumulation: 

8. How to redeem points: (***)

• Cardholders have the right to convert the amount according to the conversion rate as follows:

• The redemption amount is rounded down on a basis of 100,000 VND.
• Example:

IVB Visa Credit Gold

o If the customer exchanges 70.000 points, the amount of redemption shall be 200,000 VND. 
o If the customer exchanges 60.000 points, the amount of redemption shall be 100,000 VND. 
o If the customer exchanges 35.000 points, the amount of redemption shall be 100,000 VND. 
o If the customer exchanges 33.000 points, it shall not be valid for the redemption.

IVB Visa Credit Classic

o If the customer exchanges 80.000 points, the amount of redemption shall be 200,000 VND.  
o If the customer exchanges 55.000 points, the amount of redemption shall be 100,000 VND.  
o If the customer exchanges 40.000 points, the amount of redemption shall be 100,000 VND. 
o If the customer exchanges 38.000 points, it shall not be valid for the redemption.

IVB Visa Debit

o If the customer exchanges 110.000 points, the amount of redemption shall be 200,000 VND. 
o If the customer exchanges 60.000 points, the amount of redemption shall be 100,000 VND.  
o If the customer exchanges 50.000 points, the amount of redemption shall be 100,000 VND.  
o If the customer exchanges 40.000 points, it shall not be valid for the redemption.

9. How to check your points:
• Cardholders can check their points in your monthly statement or at Ebanking.

10. How to redeem points
• Cardholders can go to the nearest Branch/Transaction Office or call IVB Customer Service Center to ask the bank to redeem their points.

11. Contact
• For more information, please contact your nearest branch/transaction office or call IVB Customer Service Center 24/7: (028).39421048 or 1900588879.

12. Other condition 
• IVB is responsible for publicly announcing the details of the promotion rules. 
• By participating in this Program, the Client agrees to all terms and conditions of the Program listed in this Rules and to all other provisions of the terms and conditions issued, amended and supplemented by IVB from time to time. 
• In case of a dispute related to this Promotion, IVB is responsible for directly resolving it, if no agreement can be reached, the dispute will be handled in accordance with the current Vietnamese law. 
• Customer is solely responsible for paying taxes and fees (if any) arising out of or in connection with participating in this program.
• In case of changing information or supplementing the terms and conditions of the program at any time, IVB will notify the Customer via email or be informed on the Website as well as other information channels of IVB and relevant agencies as prescribed of the law (if any).