Live your dream with ANZ Fixed Payment Plan (FPP)

Everything that you have been dreaming of is now closer than ever. Whether it's a well-deserved holiday or special gifts to pamper on your loved ones - ANZ Fixed Payment Plan is just what you need.

Make your dreams come true with Fixed Payment Plan

* Interest is calculated on reducing balance (effective rate).
** Applicable for all transactions from 3 million VND and above. The total FPP payment amount (including transaction amounts and FPP interest) should be within available credit limit.
^ Each Instalment shall be charged to your credit card account and shall constitute as part of your minimum monthly credit card payments.

Fixed Payment Plan interest rate and fee schedule

Special promo (Retail transaction)

Tenor Annual effective rate Monthly effective rate Factor rate Transaction processing fee (VND)
06 months 20.29% 1.69% 0.1766677 2% or min 100,000
12 months 26.62% 2.22% 0.0958321 2% or min 100,000
18 months 26.75% 2.23% 00680536 2.5% or min 100,000
24 months 31.46% 2.62% 0.0566671 2.5% or min 100,000

Early payment fee: 2% on loan amount (applies to all plans).

Easy cash promo (Cash transaction)

Tenor Annual effective rate Monthly effective rate Factor rate Transaction processing fee
03 months 20.29% 1.69% 0.3446686 0
06 months 23.98% 2.00% 0.1785158 0
12 months 26.62% 2.22% 0.0958321 0

Early payment fee: 2% on loan amount (applies to all plans).

Example of Fixed Payment Plan conversion

With a sample transaction of 15,000,000 VND, you can choose to repay in monthly instalments for as low as 850,006 VND/ month within 24 months.

Special promo (Retail transaction)

Tenor Amount (VND)
(a)
Factor rate
(b)
Estimated monthly instalment
(a) x (b)
06 months 15,000,000 0.1766677 2,650,015
12 months 15,000,000 0.0958321 1,437,481
18 months 15,000,000 0.0680536 1,020,804
24 months 15,000,000 0.0566671 850,006

Easy cash promo (Cash transaction)

Tenor Amount (VND)
(a)
Factor rate
(b)
Estimated monthly instalment
(a) x (b)
03 months 15,000,000 0.3446686 5,170,029
06 months 15,000,000 0.1785158 2,677,737
12 months 15,000,000 0.0958321 1,437,482

How does ANZ Fixed Payment Plan work?

Shop anywhere using your ANZ credit card

Using your ANZ credit card anywhere in the world. All your transactions from 3 million VND and above (including retail purchases, cash advance and online transactions) are eligible for FPP.

Call 1800 1559 to convert your transaction to FPP

Three days1 after your transaction, call ANZ contact centre at 1800 1559 to request for FPP conversion. No documents required.

Repay in monthly instalments

Benefit from paying your transaction in instalment amounts with a special promotional interest rate2. Each instalment will be charged to your credit card account and will be included in your monthly minimum credit card amount to pay.

1. For international transactions, it may require more time to post into your account before you can convert to FPP.
2. Promotional interest rate will depend on the FPP instalment plan and tenor selected.

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