CP NHT IU KHON
V IU KIN TH TN DNG
Hiu lc t 1/6/2017
iu khon Ni dung hin ti
iu khon 9 - 9.2 Nu Ch Th tham gia Gi Tr Gp, Ch Th ng v
Gi Tr Gp xc nhn vi ANZ nh sau:
(a) Ch Th cho php ANZ thanh ton cho n V Chp
Nhn Th c lin quan cho cc hng ha/dch v c
mua bi Ch Th (theo phng thc nh tha thun
gia n V Chp Nhn Th v ANZ) v ghi n vo Ti
Khon Th Tn Dng cho gi mua cc hng ha v dch
v tng ng theo cc khon tr gp nh tha thun
gia Ch Th v ANZ;
(b) Khon tr gp u tin s c ghi n vo Ti Khon
Th Tn Dng trong chu k sao k ca thng m Ch
Th c yu cu chuyn i sang Gi Tr Gp. Mi
khon thanh ton tr gp sau s c ghi n vo
cc thng tip theo, cho n khi ton b gi tr giao
dch c ghi n vo Ti Khon Th Tn Dng;
(c) Hn Mc lin quan n Ti Khon Th Tn Dng s
c gim bng vi gi tr giao dch cha c thanh
ton, mc d s tin ny c th cha c bt ton vo
Ti Khon Th Tn Dng; v
(d) ANZ c th, theo quyn quyt nh ca mnh, p dng
mt khon ph thanh ton trc hn vi s tin do ANZ
xc nh nu Gi Tr Gp b chm dt (pht sinh t vic
chm dt Ti Khon Th Tn Dng hoc bt k l do no
khc) hoc nu Ch Th thc hin thanh ton trc
hn bt k s tin no theo Gi Tr Gp.
iu khon 11 - 11.2 Ch Th ng rng bt k giao dch no c thc 11.2 Ch Th ng rng bt k giao dch no c thc
Th Tn Dng hin trc khi ANZ nhn c thng bo ca Ch Th
hoc s PIN B theo quy nh ti iu 11.1 bn trn s c xem l cc
Mt hoc B giao dch hp l v c cho php bi Ch Th bt k vic giao dch hp l v c cho php bi Ch Th bt k vic
nh Cp giao dch cha c bt ton hoc ghi n vo Ti
Khon Th Tn Dng ti thi im ANZ nhn c thng
bo . Ch Th s hon ton chu trch nhim i vi cc
giao dch ny. ANZ khng chu bt k trch nhim no i
vi bt k cc giao dch no c thc hin trc khi ANZ
nhn c thng bo ca Ch Th.
iu khon 17 - 17.3 ANZ c th chm dt Th Tn Dng v bt k dch v
Chm Dt Th c lin quan no theo iu 24 (Chm Dt) ca cc iu
Tn Dng v Ti Khon v iu Kin Chung ca ANZ.
Khon Th Tn
Dng
Ni dung c cp nht
9.2 Nu Ch Th tham gia Gi Tr Gp, Ch Th ng v
xc nhn vi ANZ nh sau:
(a) Ch Th c mt khon vay vi ANZ vi s tin bng gi
ca hng ha/dch v c mua bi Ch Th theo k
hn v li sut nh quy nh ti Cc iu Khon v iu
Kin ny v nh c thng bo cho Ch Th khi Ch
Th tham gia Gi Tr Gp.
(b) Ch Th cho php ANZ thanh ton cho n V Chp
Nhn Th c lin quan cho cc hng ha/dch v c
mua bi Ch Th (theo phng thc nh tha thun
gia n V Chp Nhn Th v ANZ) v ghi n vo Ti
Khon Th Tn Dng cho gi mua cc hng ha v dch
v tng ng theo cc khon tr gp nh tha thun
gia Ch Th v ANZ;
(c) Khon tr gp u tin s c ghi n vo Ti Khon
Th Tn Dng trong chu k sao k ca thng m Ch
Th c yu cu chuyn i sang Gi Tr Gp. Mi
khon thanh ton tr gp sau s c ghi n vo
cc thng tip theo, cho n khi ton b gi tr giao
dch c ghi n vo Ti Khon Th Tn Dng;
(d) Hn Mc lin quan n Ti Khon Th Tn Dng s c
gim bng vi gi tr giao dch cha c thanh ton,
mc d s tin ny c th cha c bt ton vo Ti
Khon Th Tn Dng; v
(e) ANZ c th, theo quyn quyt nh ca mnh, p dng
mt khon ph thanh ton trc hn vi s tin do ANZ
xc nh nu Gi Tr Gp b chm dt (pht sinh t vic
chm dt Ti Khon Th Tn Dng hoc bt k l do no
khc) hoc nu Ch Th thc hin thanh ton trc
hn bt k s tin no theo Gi Tr Gp.
hin trc khi ANZ nhn c thng bo ca Ch Th
theo quy nh ti iu 11.1 bn trn s c xem l cc
giao dch cha c bt ton hoc ghi n vo Ti
Khon Th Tn Dng ti thi im ANZ nhn c thng
bo . Ch Th s hon ton chu trch nhim i vi cc
giao dch ny. ANZ khng chu bt k trch nhim no i
vi bt k cc giao dch no c thc hin trc khi ANZ
nhn c thng bo ca Ch Th tr khi tn tht ca
Ch Th pht sinh bi s sut nghim trng, hnh vi sai tri
c hoc hnh vi gian ln ca ANZ.
17.3 ANZ c th chm dt Th Tn Dng v bt k dch v
c lin quan bng cch gi thng bo trc t nht l hai
mi (20) ngy cho Ch Th.
01
iu khon Ni dung hin ti
iu khon 18 - 18.2 Khi Ch Th a ra ch th qua mt Phng Thc
Ch Th ca Ch khng khuyn khch (bao gm nhng khng gii hn ch
Th th kch hot th tn dng v ng k dch v Thanh ton
Ha n T ng qua Th Tn Dng ANZ), Ch Th xc
nhn v ng rng:
(i) Ch Th chp nhn bt k ri ro no khi a ra v gi
ch th thng qua mt Phng Thc khng khuyn
khch (m Ch Th xc nhn rng y khng phi l
mt phng thc an ton gi cc ch th, v Ch Th
s dng Phng Thc khng khuyn khch v l do
thun tin v v li ch ca Ch Th), bao gm ri ro v
vic ch th c th khng hon chnh hoc khng
chnh xc, c th c a ra vi gian ln hay do
nhm ln, hoc b thay i hoc theo hnh thc khc
khng c Ch Th cho php hoc ANZ khng nhn
c ton b m ch nhn c mt phn.
(ii) ANZ khng c ngha v thc hin theo hoc cn c
vo bt k ch th no nh vy; nhng nu ANZ quyt
nh (theo quyn quyt nh ca mnh) hnh ng
theo ch th th ANZ c quyn (nhng khng c
ngha v) thc hin vic kim tra xc minh hoc cc
bin php bo mt cn thit khc (khng xt n bn
cht ca giao dch hoc tha thun hoc s tin c lin
quan); v
(iii) Trng hp ANZ quyt nh hnh ng theo ch th ,
ANZ c quyn xem ch th c Ch Th cho php
hon ton v c tnh cht rng buc i vi Ch Th
(d c thc hin kim tra xc minh hoc bin php bo
mt khc hay khng) nh th ch th c a ra
di hnh thc vn bn c ch k hp l.
Ni dung c cp nht
18.2 Khi Ch Th a ra ch th qua mt Phng Thc
khng khuyn khch (bao gm nhng khng gii hn ch
th kch hot th tn dng v ng k dch v Thanh ton
Ha n T ng qua Th Tn Dng ANZ), Ch Th xc
nhn v ng rng:
(i) Ch Th chp nhn bt k ri ro no khi a ra v gi
ch th thng qua mt Phng Thc khng khuyn
khch (m Ch Th xc nhn rng y khng phi l
mt phng thc an ton gi cc ch th, v Ch Th
s dng Phng Thc khng khuyn khch v l do
thun tin v v li ch ca Ch Th), bao gm ri ro v
vic ch th c th khng hon chnh hoc khng
chnh xc, c th c a ra vi gian ln hay do
nhm ln, hoc b thay i hoc theo hnh thc khc
khng c Ch Th cho php hoc ANZ khng nhn
c ton b m ch nhn c mt phn.
(ii) ANZ khng c ngha v thc hin theo hoc cn c
vo bt k ch th no nh vy; nhng nu ANZ quyt
nh (theo quyn quyt nh ca mnh) hnh ng
theo ch th th ANZ c quyn (nhng khng c
ngha v) thc hin vic kim tra xc minh hoc cc
bin php bo mt cn thit khc (khng xt n bn
cht ca giao dch hoc tha thun hoc s tin c lin
quan); v
(iii) Trng hp ANZ quyt nh hnh ng theo ch th ,
ANZ c quyn xem ch th c Ch Th cho php
hon ton v c tnh cht rng buc i vi Ch Th
nh th ch th c a ra di hnh thc vn bn
c ch k hp l.

iu khon 19 - 19. Cc thng bo v thng tin lin lc ca ANZ 19. Cc thng bo v thng tin lin lc ca ANZ
Cc thng bo 19.1 Bt k thng bo, th t hoc trao i lin lc no Bt k thng bo, th t hoc trao i lin lc no khc t
v thng tin lin khc t ANZ n Ch Th lin quan n Th Tn Dng ANZ n Ch Th lin quan n Th Tn Dng c th c
lc ca ANZ c th c thc hin theo bt k hnh thc no quy thc hin theo bt k hnh thc no quy nh di y n
nh di y n a ch, s in thoi/fax hoc a ch, s in thoi/fax hoc email ghi trong Giy
email ghi trong Giy Ngh Cp Th Tn Dng hoc Ngh Cp Th Tn Dng hoc trong thng bo ca Ch Th
trong thng bo ca Ch Th gi ANZ (d l bng gi ANZ (d l bng vn bn hay qua cc Phng Thc
vn bn hay qua cc Phng Thc khng khuyn khng khuyn khch), v s c xem l Ch Th nhn
khch), v s c xem l Ch Th nhn c: c:
(i) trong trng hp c lp thnh vn bn v giao
(i) trong trng hp c lp thnh vn bn v giao tn
tn tay hoc gi chuyn pht nhanh, vo ngy giao;
tay hoc gi chuyn pht nhanh, vo ngy giao;
(ii) trong trng hp gi bng fax, vo ngy nhn
c bn fax theo hnh thc c th c c; (ii) trong trng hp gi bng fax, vo ngy nhn c
(iii) trong trng hp gi bng th, vo ngy giao th bn fax theo hnh thc c th c c;
hoc ngy c gng giao th; (iii) vo Ngy Lm Vic th 5 (ti a ch gi) sau khi gi,
(iv) trong trng hp gi bng email, tin nhn hoc trong trng hp gi th thng (khng bng th
gi qua cc phng tin in t khc, vo ngy hi bo hoc th bo m);
gi i, tr khi ngy gi (hoc ngy c gng gi) (iv) vo ngy th c giao hoc c gng giao, trong
hoc ngy nhn, ty trng hp, khng phi l trng hp gi th hi bo hoc th bo m (th
mt Ngy Lm Vic hoc th t c gi (hoc c my bay nu gi ra nc ngoi) hoc phng tin
gng c gi) hoc c nhn, ty trng hp, tng t (c bin nhn hi bo);
sau gi lm vic vo mt Ngy Lm Vic, trong
trng hp ny th t s xem l c gi v c (v) vo thi im gi cho ngi nhn, trong trng hp
hiu lc vo Ngy Lm Vic ngay sau ; gi th in t hoc tin nhn qua in thoi di ng
(v) trong trng hp c th hin trn Bng Sao K (SMS) hoc gi qua cc phng tin in t khc, tr
ca Ch Th, vo ngy c th hin nh vy; khi ngi gi nhn c th t ng bo th cha
c gi;
(vi) (A) trong trng hp cng b trn website ca
ANZ ti a ch www.anz.com/vietnam, 30 ngy k (vi) trong trng hp c th hin trn Bng Sao K
t ngy cng b trn website; (B) trong trng ca Ch Th, vo ngy c th hin nh vy;
hp nim yt ti bt k chi nhnh hoc vn
(vii) (A) trong trng hp cng b trn website ca ANZ
phng no ca ANZ ti Vit Nam, 30 ngy k t
ti a ch www.anz.com/vietnam, 30 ngy k t
ngy nim yt; hoc (C) trong trng hp ng
ngy cng b trn website; (B) trong trng hp
qung co trn cc t bo ln pht hnh hng
nim yt ti bt k chi nhnh hoc vn phng no
ngy hoc t bo quc gia hoc trn truyn
ca ANZ ti Vit Nam, 30 ngy k t ngy nim yt;
thng i chng, 2 ngy k t ngy ng.
hoc (C) trong trng hp ng qung co trn cc
19.2 ANZ s khng c ngha v phi m bo vic Ch t bo ln pht hnh hng ngy hoc t bo quc
Th thc t nhn c thng bo/th t/trao i gia hoc trn truyn thng i chng, 2 ngy k t
lin lc . ngy ng.

02
iu khon Ni dung hin ti
iu khon 23 - 23.1 Vic thanh ton c th c thc hin:
Phng thc (a) thng qua Dch V Ngn Hng Trc Tuyn;
thanh ton (b) ti cc my ATM ca ANZ;
(c) bng Ghi N T ng;
(d) bng lnh chuyn tin t ngn hng khc;
(e) hp thanh ton t ng ti cc chi nhnh ANZ.
(f ) bng cch truy cp Payoo Online ti www.payoo.com.vn
23.3 i vi cc ch th thanh ton ch da trn s ti
khon/Th Tn Dng ti my ATM, cc chi nhnh ANZ,
Payoo Online hoc cch thc khc (Ch Th), Ch Th hiu
v ng rng vic thanh ton s c thc hin ch da
vo s ti khon/th tn dng ca ngi nhn v c th s
khng c cc bc thm tra trc khi, hay xc nhn sau
khi thc hin chuyn khon. Ch Th cng chp nhn cc
ri ro lin quan n cc Ch Th ny, bao gm nhng
khng gii hn n ri ro mt tin hay s tin b lm dng
c th pht sinh do s sut hay do in sai s ti
khon/th tn dng ca ngi nhn (d s sut l do Ch
Th hay do ngi c Ch Th ch nh).
iu khon 29 - (s) Ph i dm thng: c tnh khi Ch Th Chnh yu
Cc loi ph cu i dm ANZ tch ly t Ti Khon Th Tn Dng
Travel Platinum thnh dm bay ca cc i tc Hng
khng ca ANZ (Lotusmiles ca Vietnam Airlines,
KrisFlyer ca Singapore Airlines, Asia Miles ca Cathay
Pacific) hoc M gim gi in t Agoda.
iu khon 36 - 36. Chuyn nhng quyn ca ANZ
Chuyn nhng 36.1 Chuyn nhng bi Ch Th. Ch Th khng c
quyn ca ANZ chuyn nhng hoc chuyn giao bt k quyn
hoc ngha v no ca mnh theo Hp ng Th Tn
Dng nu khng c s ng trc bng vn bn
ca ANZ.
36.2 Chuyn nhng bi ANZ. Ch Th bng iu
khon ny ng rng ANZ c quyn chuyn
nhng, chuyn giao hoc bng cch khc quyt
nh v tt c hoc bt k quyn v/hoc ngha v
ca mnh theo Hp ng Th Tn Dng m khng
cn c s ng thm no ca Ch Th (hoc ca
bt k ch th no khc). Ch Th ng tun th
bt k yu cu hp l no ca ANZ vic chuyn
nhng hoc chuyn giao ni trn c hiu lc, bao
gm vic k bt k ti liu no hoc thc hin bt k
hnh ng no theo yu cu ca ANZ lin quan n
vn ny.
Ni dung c cp nht
23.1 Vic thanh ton c th c thc hin:
(a) thng qua Dch V Ngn Hng Trc Tuyn;
(b) ti cc my ATM ca ANZ;
(c) bng Ghi N T ng;
(d) bng lnh chuyn tin t ngn hng khc;
(e) hp thanh ton t ng ti cc chi nhnh ANZ.
23.3 i vi cc ch th thanh ton ch da trn s ti
khon/Th Tn Dng ti my ATM ca ANZ, cc chi nhnh
ANZ hoc cch thc khc (Ch Th), Ch Th hiu v
ng rng vic thanh ton s c thc hin ch da
vo s ti khon/th tn dng ca ngi nhn v c th s
khng c cc bc thm tra trc khi, hay xc nhn sau
khi thc hin chuyn khon. Ch Th cng chp nhn cc
ri ro lin quan n cc Ch Th ny, bao gm nhng
khng gii hn n ri ro mt tin hay s tin b lm dng
c th pht sinh do s sut hay do in sai s ti
khon/th tn dng ca ngi nhn (d s sut l do Ch
Th hay do ngi c Ch Th ch nh).
B (s) Ph i dm thng
36. Chuyn nhng
36.1 Chuyn nhng bi Ch Th. Ch Th khng c
chuyn nhng hoc chuyn giao bt k quyn hoc
ngha v no ca mnh theo Hp ng Th Tn Dng
nu khng c s ng trc bng vn bn ca ANZ.
36.2 Chuyn nhng bi ANZ.
(a) ANZ c quyn chuyn nhng hoc bng cch khc x
l tt c hoc bt k quyn no ca mnh theo Hp
ng Th Tn Dng m khng cn s ng ca Ch
Th. ANZ c quyn chuyn nhng hoc chuyn giao
tt c hoc bt k ngha v no ca mnh theo Hp
ng Th Tn Dng theo iu 36.2.(b) ny.
(b) Nu ANZ chuyn nhng hoc chuyn giao tt c hoc
bt k ngha v no ca mnh theo Hp ng Th Tn
Dng, ANZ s gi thng bo chuyn nhng (Thng
Bo Chuyn Nhng) cho Ch Th t nht 20 Ngy
Lm Vic trc ngy chuyn nhng d kin v theo
cch thc quy nh ti iu 19. Nu Ch Th ng vi
vic chuyn nhng hoc chuyn giao, Ch Th theo
y ng rng:
(i) Ch Th khng phi gi thng bo chp thun vic
chuyn nhng hoc chuyn giao cho ANZ; hoc
(ii) Nu ANZ yu cu Ch Th c hnh ng chp
thun c th th ANZ s quy nh cc hnh ng
trong Thng Bo Chuyn Nhng v hnh ng ca
Ch Th nh c quy nh nh vy s c xem l
s ng ca Ch Th.
(c) Nu Ch Th khng ng vi vic chuyn nhng
hoc chuyn giao, Ch Th s tr li cho ANZ theo
phng thc quy nh ti iu 19 nu r vic Ch Th
khng ng vi vic chuyn nhng hoc chuyn
giao d kin trong vng 10 Ngy Lm Vic sau khi nhn
c Thng Bo Chuyn Nhng (Thi Hn Phn
Hi). Trong trng hp , Thng Bo Chuyn Nhng
s ng thi c xem l thng bo chm dt sm
ca Ngn Hng theo iu 17 v Th Tn Dng v Ti
Khon Th Tn Dng s chm dt theo iu 17. Nu
ANZ khng nhn c thng bo khng ng ca
Ch Th i vi Thng Bo Chuyn Nhng theo cch
thc quy nh trn trong Thi Hn Phn Hi, Ch Th
theo y ng rng Ch Th s c coi nh ng
vi vic chuyn nhng hoc chuyn giao theo
Thng Bo Chuyn Nhng.
03
CHANGES OF CREDIT CARD
TERMS AND CONDITIONS
Effective 1st June, 2017
Clause Existing content
Clause 9 9.2 If Cardholder has applied to participate in Instalment
Instalment Plan, Cardholder agrees and undertakes with ANZ as
Plan follows:
(a) Cardholder authorises ANZ to pay to the relevant
Merchant for the purchase of the relevant
goods/services made by the Cardholder (in such
manner as may be agreed between the Merchant and
ANZ) and to debit the Credit Card Account for the
purchase price of the goods and services in the number
of instalments as agreed between Cardholder and ANZ;
(b) The first instalment payment will be debited from the
Credit Card Account on the Statement cycle in which
the Cardholder requests Instalment Plan conversion.
Each subsequent instalment payment will be debited in
each following month, until the full purchase price has
been completely debited to the Credit Card Account;
(c) The Limit related to the Credit Card Account will be
reduced by such portion of the purchase price that is
unpaid, although the same may not be posted to the
Credit Card Account; and
(d) ANZ may at its discretion impose an early repayment
fee at such rate as we may determine if the Instalment
Plan is terminated (whether arising from the
termination of the Credit Card Account or any other
reasons) or if Cardholder makes a prepayment of any
amount under the Instalment Plan.
Clause 11 11.2 Cardholder agrees that any transactions made prior to
Lost or Stolen ANZs receipt of the Cardholders notice or request as
Credit Cards or mentioned in Clause 11.1 shall be considered as legitimate
PIN and duly authorised transactions notwithstanding that the
payment of those transactions has not been posted or
debited to the Credit Card Account at the time ANZ
receives such notice. The Cardholder shall be fully
responsible for such transactions. ANZ assumes no
responsibility for any transactions made prior to its receipt
of the Cardholders notice.
Clause 17 17.3 ANZ may terminate the Credit Card and any related
Termination of servicesin accordance with Clause 24 (Termination) of the
Credit Card ANZ General Terms and Conditions Retail Banking.
and Credit
Card Account
Updated content
9.2 If Cardholder has applied to participate in Instalment
Plan, Cardholder agrees and undertakes with ANZ as
follows:
(a) Cardholder owes a loan equal to the amount of the
purchases to ANZ with tenor and interest as provided in
these Terms and Conditions and as notified to the
Cardholder at the time of his/her participation in the
Instalment Plan.
(b) Cardholder authorises ANZ to pay to the relevant
Merchant for the purchase of the relevant
goods/services made by the Cardholder (in such
manner as may be agreed between the Merchant and
ANZ) and to debit the Credit Card Account for the
purchase price of the goods and services in the number
of instalments as agreed between Cardholder and ANZ;
The first instalment payment will be debited from the
Credit Card Account on the Statement cycle in which
the Cardholder requests Instalment Plan conversion.
Each subsequent instalment payment will be debited in
each following month, until the full purchase price has
been completely debited to the Credit Card Account;
(d) The Limit related to the Credit Card Account will be
reduced by such portion of the purchase price that is
unpaid, although the same may not be posted to the
Credit Card Account; and
(e) ANZ may at its discretion impose an early repayment
fee at such rate as we may determine if the Instalment
Plan is terminated (whether arising from the
termination of the Credit Card Account or any other
reasons) or if Cardholder makes a prepayment of any
amount under the Instalment Plan.
11.2 Cardholder agrees that any transactions made prior to
ANZs receipt of the Cardholders notice or request as
mentioned in Clause 11.1 shall be considered as legitimate
and duly authorised transactions notwithstanding that the
payment of those transactions has not been posted or
debited to the Credit Card Account at the time ANZ
receives such notice. The Cardholder shall be fully
responsible for such transactions. ANZ assumes no
responsibility for any transactions made prior to its receipt
of the Cardholders notice unless the Cardholders loss is
caused by ANZs gross negligence, wilful misconduct or
fraud.
17.3 ANZ may terminate the Credit Card and any related
services by providing the Cardholder with not less than
twenty (20) days prior notice.
01
Clause Existing content
Clause 18 - 18.2 Where the Cardholder provides an instruction through
Cardholder a non-preferred Channel (including without limitation to
Instructions instruction on credit card activation and registration of
AutoPay service via ANZ Credit Card), the Cardholder
acknowledges and agrees that:
(i) the Cardholder accepts any risks in initiating and
sending such instruction through a non-preferred
Channel (which it acknowledges is not a secure means
of giving or sending instructions and that the
Cardholder is using the non-preferred Channel for their
own convenience and other efficiency benefits),
including the risk that an instruction may be
incomplete or inaccurate, fraudulently or mistakenly
given or altered or not otherwise authorised by the
Cardholder or not received in whole but in part by ANZ;
(ii) ANZ is not obliged to act on or rely upon any such
instruction; but should ANZ elect (at its discretion) to
act on such instruction, it may (but is not obliged to)
carry out verification checks or other security measures
as required (regardless of the nature of the transaction
or arrangement or the amount of money involved); and
(iii) where ANZ elects to act on such instruction, ANZ is
entitled to treat such instruction as being fully
authorised by and binding on the Cardholder (whether
or not verification checks or other security measures are
carried out) as if it were given in a duly signed written
instruction.
Clause 19 19. Notifications and communications by ANZ
Notifications and
19.1 Any notice, correspondence or other
Communications
communication from ANZ to the Cardholder in
by ANZ
respect of the Credit Card may be given in any
manner set forth below to the address,
telephone/fax number or email set out in the
Application or in Cardholders notice to ANZ (either
in writing or via any non-preferred channels), and will
be deemed duly received by the Cardholder:
(i) if in writing and delivered in person or by courier,
on the date it is delivered;
(ii) if sent by fax transmission, on the date that
transmission is received in legible form;
(iii) if sent by mail, on the date that mail is delivered
or its delivery is attempted;
(iv) if sent by email, SMS or other electronic means,
on the date it is delivered, unless the date of that
delivery (or attempted delivery) or the receipt, as
applicable, is not a Business Day or that
communication is delivered (or attempted) or
received, as applicable, after the close of business
on a Business Day, in which case that
communication shall be deemed given and
effective on the first following day that is a
Business Day;
(v) if displayed on the Statement, on the date of such
display;
(vi) (A) if displayed on ANZs website at
www.anz.com/vietnam, 30 days from the date of
displaying on such website; (B) if displayed in any
of ANZs branches or offices in Vietnam, 30 days
from the date of such display; or (C) if displayed
by advertisement in major daily or national
newspapers or mass media, 2 days from the date
of such advertisement.
19.2 ANZ shall not be obliged to ensure the Cardholder
has actually received such notice/ correspondence/
communication.
Updated content
18.2 Where the Cardholder provides an instruction through
a non-preferred Channel (including without limitation to
instruction on credit card activation and registration of
AutoPay service via ANZ Credit Card), the Cardholder
acknowledges and agrees that:
(i) the Cardholder accepts any risks in initiating and
sending such instruction through a non-preferred
Channel (which it acknowledges is not a secure means
of giving or sending instructions and that the
Cardholder is using the non-preferred Channel for their
own convenience and other efficiency benefits),
including the risk that an instruction may be
incomplete or inaccurate, fraudulently or mistakenly
given or altered or not otherwise authorised by the
Cardholder or not received in whole but in part by ANZ;
(ii) ANZ is not obliged to act on or rely upon any such
instruction; but should ANZ elect (at its discretion) to
act on such instruction, it may (but is not obliged to)
carry out verification checks or other security measures
as required (regardless of the nature of the transaction
or arrangement or the amount of money involved); and
(iii) where ANZ elects to act on such instruction, ANZ is
entitled to treat such instruction as being fully
authorised by and binding on the Cardholder as if it
were given in a duly signed written instruction.
19. Notifications and communications by ANZ
Any notice, correspondence or other communication from
ANZ to the Cardholder in respect of the Credit Card may be
given in any manner set forth below to the address,
telephone/fax number or email set out in the Application
or in Cardholders notice to ANZ (either in writing or via any
non-preferred channels), and will be deemed duly received
by the Cardholder:
(i) if in writing and delivered in person or by courier, on
the date it is delivered;
(ii) if sent by fax transmission, on the date that
transmission is received in legible form;
(iii) if sent by ordinary mail (not certified or registered
mail), on the 5th Business Day (at the address to
which it is posted) after posting;
(iv) if sent by certified or registered mail (airmail, if
overseas) or equivalent (return receipt requested), on
the date that mail is delivered or its delivery is
attempted;
(v) if sent by email, SMS or other electronic means, at the
time sent to the recipient unless ANZ receives an
automated message that the message has not been
delivered ;
(vi) if displayed on the Statement, on the date of such
display;
(vii) (A) if displayed on ANZs website at
www.anz.com/vietnam, 30 days from the date of
displaying on such website; (B) if displayed in any of
ANZs branches or offices in Vietnam, 30 days from
the date of such display; or (C) if displayed by
advertisement in major daily or national newspapers
or mass media, 2 days from the date of such
advertisement.
02
Clause Existing content
Clause 23 - 23.1 Payment can be made:
Method of (a) through Internet Banking;
Payments (b) at ANZ ATMs;
(c) through Auto Debit;
(d) by Telegraphic Transfer (TT) from other banks;
(e) via drop box at ANZ branches.
(g) via Payoo Online at www.payoo.com.vn.
23.3 With regard to payment instruction relying solely on
Credit Card/account number either at ATM, at ANZ, at
Payoo merchants/Payoo Online ANZ ATM, ANZ branches or
otherwise (the Instruction), Cardholder understands and
agrees that fund transfer will be made relying solely on the
beneficiarys Credit Card/account number and there might
not be any verification prior to transfer or confirmation
after the transfer is made. Cardholder further accepts the
risks associated with such Instruction, including but not
limited to risks of the fund being lost or abused arising due
to negligence and wrong input (either by the Cardholder
or their appointed person) of the beneficiarys Credit
Card/account number.
Clause 29 - (s) Miles redemption fee: charged when redemption
Fees request is made by Primary Cardholder to redeem
ANZ Travel Miles accumulated from Travel Platinum
Credit Card Account to ANZ Airlines Partners Miles
(Lotusmiles of Vietnam Airlines, KrisFlyer of Singapore
Airlines, Asia Miles of Cathay Pacific) or Agoda voucher;
Clause 36 36. Transfer of ANZs rights
Transfers of 36.1 Transfer by Cardholder. The Cardholder may not
ANZs rights transfer or assign any of their rights and obligations
under the Credit Card Contract without the prior
written consent of ANZ.
36.2 Transfer by ANZ. The Cardholder by this clause
agrees that ANZ may assign, novate, transfer or
otherwise deal with all or any of its rights and/or
obligations under the Credit Card Contract without
the Cardholders (or any other persons) further
consent. The Cardholder agrees to comply with any
reasonable request ANZ may have to give effect to
such assignment, novation or transfer, including
executing any documents or performing any action
as ANZ may require in this regard.
Updated content
23.1 Payment can be made:
(a) through Internet Banking;
(b) at ANZ ATMs;
(c) through Auto Debit;
(d) by Telegraphic Transfer (TT) from other banks;
(e) via drop box at ANZ branches.
23.3 With regard to payment instruction relying solely on
Credit Card/account number either at ANZ ATM, at ANZ
branches or otherwise (the Instruction), Cardholder
understands and agrees that fund transfer will be made
relying solely on the beneficiarys Credit Card/account
number and there might not be any verification prior to
transfer or confirmation after the transfer is made.
Cardholder further accepts the risks associated with
such Instruction, including but not limited to risks of the
fund being lost or abused arising due to negligence
and wrong input (either by the Cardholder or their
appointed person) of the beneficiarys Credit
Card/account number.
Remove (s) Miles redemption fee
36. Transfer
36.1 Transfer by Cardholder. The Cardholder may not
transfer or assign any of their rights and obligations
under the Credit Card Contract without the prior
written consent of ANZ.
36.2 Transfer by ANZ.
(a) ANZ may assign or otherwise deal with all or any part
of its rights under the Credit Card Contract without
the Cardholders consent. ANZ may transfer or
convey the whole or any part of its obligations under
the Credit Card Contract subject to this Clause
36.2.(b)
(b) If ANZ transfers or novates the whole or any part of
its obligations under the Credit Card Contract, ANZ
shall serve a transfer notice (Notice of Transfer) to
the Cardholder at least 20 Business Days prior to the
proposed transfer date and in the manner set out in
Clause 19. If the Cardholder agrees to such transfer
or novation, the Cardholder hereby also agrees that:
(i) no response from them is required; or
(ii) if ANZ requires specific actions from the
Cardholder for his/her consent it will specify such
actions in the Notice of Transfer and the
Cardholders action as so specified shall constitute
his/her consent accordingly.
(c) If the Cardholder disagrees with such transfer or
novation, the Cardholder shall give ANZ its response
in the manner set out in Clause 19 indicating his/her
disagreement of the proposed transfer or novation
within 10 Business Days after receipt of the Notice of
Transfer (Response Period). In such case, the Notice
of Transfer shall concurrently serve as ANZs prior
termination notice pursuant to Clause 17 and the
Credit Card and Credit Card Account shall be
terminated in accordance with Clause 17. If ANZ
does not receive the Cardholders response of
disagreement to the Notice of Transfer in the manner
described above within the Response Period, the
Cardholder hereby agrees that he/she shall be
deemed to consent to the transfer or novation under
the Notice of Transfer.
03