Online payment (79%), Shopping abroad (65%), Pay for utility (63%) are top 3 things appropriate for using credit card Find more at: http://di-onlinesurvey.com/

1. STUDY ABOUT CREDIT CARD USAGE
IN VIETNAM
BY DI-MARKETING (www.di-onlinesurvey.com)
Jun, 2017

2. 1
SURVEY DESIGN
 This survey was conducted to study about Credit Card Usage in Vietnam
 Methodology: Online survey
 Fieldwork time: 5 days (29/05/2017 – 2/06/2017)
 Sample size: N = 410
 Geography: Nationwide

3. 2
RESPONDENTS SELECTION
Respondents of this survey had to be qualified below criteria
 Age : Above 18
 Personal Income : Over $300
 Occupation : Except for Pupils
 Usage : Credit Card

4. 3
KEY FINDINGS
1) Credit Card Usage Behaviors
• On average, users start owning a credit card from 25 years old
• Current cash withdrawal interest rate is considered acceptable
• Current overdue repayment interest is considered high
• Online payment (79%), Shopping abroad (65%), Pay for utility (63%) are top 3 things
appropriate for using credit card
• High confidential transaction, Large ATM network, Internet banking are top 3 most important
things to open a credit card
• Relatives/ friends/ colleagues recommendation (WOM) is the key influential factor making using
credit card
2) Perception of Credit Card
• Convenient for carrying, Possible for online purchase, Useful in urgent cases are top 3
advantages of credit card
• Must pay interest if beyond the payment period, Annual fee, Easy to use exceed limit are top 3
disadvantages of credit card
• Credit card is the best choice for payment when travelling abroad
• Credit card is considered highest security comparing with other types of card (Debit, Prepaid)
• 19-25 years old is considered an appropriate age to own a credit card
• Businessman (90%), Office worker (90%), Government officer (82%) are considered appropriate
targets to use credit card
• 40% think that an individual should have 2 credit cards

5. 4
N = 410
DEMOGRAPHIC INFORMATION
GenderAge
OccupationLiving Place
28%
36%
36%
Over 30
26-30
18-25
43%
57%
Male
Female
17%
2%
3%
5%
28%
45%
Other
Can Tho
Hai Phong
Da Nang
Hanoi
Ho Chi Minh
8%
0%
0%
4%
6%
18%
27%
38%
Other
Housewife
Job seeker / Retired
Worker
University Student
Engineer / Doctor / Teacher
Self-employed
Office worker

6. 5
1) Credit Card Usage Behaviors
2) Perception of Credit Card
CONTENT

7. 6
8% 6%
10%
27%
25%
28%
61%
65%
58%
2% 2% 2%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Under 18
18 - 25
26 - 30
31-35
36-40
Over 40
1% 3%1%
4%8%
30%27%
42%
42%
61%
96%
58%
20%
2% 3% 1% 1%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Under 18
18 - 25
26 - 30
31-35
36-40
Over 40
ON AVERAGE, USERS START OWNING A CREDIT CARD FROM 25 YEARS OLD
When did you start owning a credit card?
(Comparison by Age & Gender Group)
N = 410 N = 175 N = 235
18-25 group start owning a credit card from 21 years old while Over 30 group start owning credit card from 29 years old
N = 410 N = 149 N = 146 N = 115
Weighted
Average
Age
Weighted
Average
Age
25 y.o 21 y.o 24 y.o 29 y.o 25 y.o 24 y.o 25 y.o

8. 7
CURRENT CASH WITHDRAWAL INTEREST RATE IS CONSIDERED ACCEPTABLE
In your opinion, cash withdrawal interest rate of the current credit
card is high or low? (Comparison by Age & Gender Group)
N = 410 N = 175 N = 235
2% 4% 1% 2%
9%
9%
12%
5%
56%
58% 59%
51%
24%
21% 21%
31%
9% 7% 8% 10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Very high
High
Normal / Acceptable
Low
Very low
2% 2% 3%
9% 7%
11%
56% 58%
55%
24%
22%
26%
9% 11%
6%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Very high
High
Normal / Acceptable
Low
Very low
N = 410 N = 149 N = 146 N = 115
Weighted
Average
Score
Weighted
Average
Score
3.28 3.19 3.24 3.43 3.28 3.34 3.23

9. 8
1% 1%3% 4% 3%
44% 45%
44%
40% 34%
44%
12%
16%
9%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Very high
High
Normal / Acceptable
Low
Very low1% 2%3% 3%
3% 3%
44%
49%
47%
35%
40%
33% 42%
46%
12% 13%
8%
17%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Very high
High
Normal / Acceptable
Low
Very low
52% EVALUATED THAT THE OVERDUE REPAYMENT INTEREST IS HIGH
In your opinion, overdue repayment interest of current credit card is
high or low? (Comparison by Age & Gender Group)
N = 410 N = 175 N = 235
Over 30 group considered overdue repayment interest is high more than other groups
N = 410 N = 149 N = 146 N = 115
Weighted
Average
Score
Weighted
Average
Score
3.60 3.51 3.55 3.77 3.60 3.60 3.59

10. 9
0%
27%
28%
37%
41%
45%
55%
63%
65%
79%
0% 50% 100%
Other
Beauty Care (Spa, Hair Care, ...)
Buying house, land
Buy a car or a motorcycle
Shopping essentials (shampoo,
shower gel, toothpaste, ...)
Buy clothes
International payment (Transfer to
overseas)
Pay for electricity, water, Internet
Traveling, shopping abroad
Online payment
Total
0%
26%
30%
37%
40%
40%
56%
58%
61%
77%
0% 50% 100%
18-25
1%
23%
27%
34%
38%
43%
50%
66%
59%
78%
0% 50% 100%
26-30
0%
34%
28%
39%
45%
53%
58%
65%
78%
82%
0% 50% 100%
Over 30
ONLINE PAYMENT (79%), SHOPPING ABROAD (65%), UTILITY PAYMENT (63%)
ARE TOP 3 THINGS APPROPRIATE FOR USING CREDIT CARD
In your opinion, what should we use the credit card for?
(Comparison by Age Group)
N = 410 N = 149 N = 146 N = 115

11. 10
0%
27%
28%
37%
41%
45%
55%
63%
65%
79%
0% 50% 100%
Other
Beauty Care (Spa, Hair Care, ...)
Buying house, land
Buy a car or a motorcycle
Shopping essentials (shampoo, shower
gel, toothpaste, ...)
Buy clothes
International payment (Transfer to
overseas)
Pay for electricity, water, Internet
Traveling, shopping abroad
Online payment
Total
0%
15%
27%
38%
39%
39%
53%
61%
62%
78%
0% 50% 100%
Male
0%
36%
29%
36%
42%
49%
56%
64%
68%
79%
0% 50% 100%
Female
In your opinion, what should we use the credit card for?
(Comparison by Gender Group)
N = 410 N = 175 N = 235
Female use credit card for buying clothes and beauty care (Spa, Hair Care, etc.) service payment more than male
ONLINE PAYMENT (79%), SHOPPING ABROAD (65%), PAY FOR ELECTRICITY/
WATER (63%) ARE TOP 3 THINGS APPROPRIATE FOR USING CREDIT CARD

12. 11
0%
8%
11%
13%
13%
14%
15%
19%
20%
21%
28%
30%
32%
32%
45%
0% 50% 100%
Other
Originated from foreign banks
There is an SMS messaging service
Low cost of ATM withdrawals
Low interest rates
The cost of transferring money is low
The cost of opening the card is low
ATM system clean / safe
Term of payment (without interest) long
Annual fee is low
Procedure to open the card quickly
Many promotions / gifts for members to open new cards
There is online money transfer service (Internet Banking)
Large ATM network
The transaction is highly confidential
Total
0%
7%
16%
13%
13%
16%
17%
23%
19%
16%
28%
31%
29%
32%
41%
0% 50% 100%
18-25
0%
8%
9%
13%
11%
12%
13%
19%
19%
18%
32%
25%
34%
36%
50%
0% 50% 100%
26-30
1%
8%
8%
11%
16%
12%
15%
14%
22%
30%
24%
37%
32%
27%
43%
0% 50% 100%
Over 30
3 factors are considered most important when you decide to open a
credit card at the bank? (Comparison by Age Group)
N = 410 N = 149 N = 146 N = 115
18-25 group = High confidential transaction + Large ATM network + Many promotion/ 26-30 group = High confidential transaction +
Large ATM network + Internet Banking/ Over 30 = High confidential transaction + Internet Banking + Many promotion
HIGH CONFIDENTIAL TRANSACTION, LARGE ATM NETWORK AND INTERNET
BANKING ARE TOP 3 MOST IMPORTANT THINGS TO OPEN A CREDIT CARD

13. 12
0%
8%
11%
13%
13%
14%
15%
19%
20%
21%
28%
30%
32%
32%
45%
0% 50% 100%
Other
Originated from foreign banks
There is an SMS messaging service
Low cost of ATM withdrawals
Low interest rates
The cost of transferring money is low
The cost of opening the card is low
ATM system clean / safe
Term of payment (without interest) long
Annual fee is low
Procedure to open the card quickly
Many promotions / gifts for members to open new cards
There is online money transfer service (Internet Banking)
Large ATM network
The transaction is highly confidential
Total
0%
10%
10%
12%
14%
10%
16%
21%
16%
21%
29%
30%
30%
34%
47%
0% 50% 100%
Male
0%
6%
12%
13%
12%
16%
14%
17%
23%
21%
28%
31%
33%
31%
43%
0% 50% 100%
Female
3 factors are considered most important when you decide to open a
credit card at the bank? (Comparison by Gender Group)
N = 410 N = 175 N = 235
HIGH CONFIDENTIAL TRANSACTION, LARGE ATM NETWORK AND INTERNET
BANKING ARE TOP 3 MOST IMPORTANT THINGS TO OPEN A CREDIT CARD

14. 13
7% 5%
8% 7%
6% 7% 2% 8%
16% 16% 17%
16%
25%
20% 25%
32%
46%
52%
48%
37%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Relatives / Friends /
Colleagues
recommend
Attractive promotion
See many people
using
See ads on TV /
Newspaper / Social
Network
Other 7% 7% 6%
6% 5% 6%
16% 19%
14%
25%
27%
24%
46%
42%
49%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Relatives / Friends /
Colleagues
recommend
Attractive promotion
See many people
using
See ads on TV /
Newspaper / Social
Network
Other
RELATIVES/ FRIENDS/ COLLEAGUES RECOMMENDATION IS THE KEY
INFLUENTIAL FACTOR MAKING USING CREDIT CARD
What’s the main reason for choosing your current credit card? (SR)
(Comparison by Age & Gender Group)
N = 410 N = 175 N = 235
Over 30 group is more influenced by attractive promotion than other groups
N = 410 N = 149 N = 146 N = 115

15. 14
1) Credit Card Usage Behaviors
2) Perception of Credit Card
CONTENT

16. 15
0%
35%
37%
43%
48%
53%
62%
68%
69%
0% 50% 100%
Other
Comfortable use in paying
High information security
Manage expenditure easily
Safe (not afraid of losing /
stealing money)
Possible to make international
payments
Useful in case of urgent need
Can pay for online purchases
Convenient for carrying
Total
0%
34%
36%
43%
52%
52%
54%
67%
68%
0% 50% 100%
18-25
0%
32%
45%
42%
46%
48%
66%
65%
66%
0% 50% 100%
26-30
0%
40%
30%
43%
45%
63%
69%
72%
72%
0% 50% 100%
Over 30
CONVENIENT FOR CARRYING, POSSIBLE FOR ONLINE PURCHASE, USEFUL IN
URGENT CASES ARE TOP 3 ADVANTAGES OF CREDIT CARD
From your point of view, what are the advantages of the credit
card? (Comparison by Age Group)
N = 410 N = 149 N = 146 N = 115
Over 30 group considered credit card possible to make international payments as its advantage more than others

17. 16
35%
37%
43%
48%
53%
62%
68%
69%
0% 50% 100%
Comfortable use in paying
High information security
Manage expenditure easily
Safe (not afraid of losing / stealing
money)
Possible to make international
payments
Useful in case of urgent need
Can pay for online purchases
Convenient for carrying
Total
34%
41%
40%
47%
51%
57%
66%
65%
0% 50% 100%
Male
35%
34%
45%
48%
55%
66%
69%
71%
0% 50% 100%
Female
From your point of view, what are the advantages of the credit
card? (Comparison by Gender Group)
N = 410 N = 175 N = 235
CONVENIENT FOR CARRYING, POSSIBLE FOR ONLINE PURCHASE, USEFUL IN
URGENT CASES ARE TOP 3 ADVANTAGES OF CREDIT CARD

18. 17
0%
37%
40%
43%
47%
49%
51%
0% 50% 100%
Other
Risk of information leakage
Cost of withdrawing cash
Can’t control spending
Easy to use exceed the limit
Annual fee
Must pay interest if beyond
the payment period
Total
0%
34%
37%
39%
46%
54%
47%
0% 50% 100%
18-25
1%
35%
41%
44%
49%
45%
48%
0% 50% 100%
26-30
0%
44%
44%
49%
46%
49%
60%
0% 50% 100%
Over 30
MUST PAY INTEREST IF BEYOND THEY PAYMENT PERIOD, ANNUAL FEE AND
EASY TO USE EXCEED LIMIT ARE TOP 3 DISADVANTAGES OF CREDIT CARD
From your point of view, what are the disadvantages of the credit
card? (Comparison by Age Group)
N = 410 N = 149 N = 146 N = 115

19. 18
0%
37%
40%
43%
47%
49%
51%
0% 50% 100%
Other
Risk of information leakage
Cost of withdrawing cash
Can’t control spending
Easy to use exceed the limit
Annual fee
Must pay interest if beyond the
payment period
Total
0%
41%
41%
44%
46%
47%
51%
0% 50% 100%
Male
0%
34%
40%
43%
47%
51%
51%
0% 50% 100%
Female
From your point of view, what are the disadvantages of the credit
card? (Comparison by Gender Group)
N = 410 N = 175 N = 235
MUST PAY INTEREST IF BEYOND THEY PAYMENT PERIOD, ANNUAL FEE AND
EASY TO USE EXCEED LIMIT ARE TOP 3 DISADVANTAGES OF CREDIT CARD

20. 19
CREDIT CARD IS THE BEST CHOICE FOR PAYMENT
WHEN TRAVELLING ABROAD
When traveling abroad, which of following payment methods should be used? (SR)
(Comparison by Age & Gender Group)
N = 410 N = 175 N = 235
Over 30 group use credit card for payment when travelling abroad more than other younger groups
N = 410 N = 149 N = 146 N = 115
0% 1% 0% 0%
9% 11% 10%
6%
14%
15%
12%
14%
16%
18%
18%
9%
61%
56%
60%
71%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Credit Card
Debit Card
Cash
Prepaid Card
Other
0% 1% 0%
9% 10%
8%
14% 11% 15%
16% 17% 14%
61% 61% 62%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Credit Card
Debit Card
Cash
Prepaid Card
Other

21. 20
CREDIT CARD IS CONSIDERED HIGHEST SECURITY
In the following types of cards, which one has the highest security? (SR)
(Comparison by Age & Gender Group)
N = 410 N = 175 N = 235N = 410 N = 149 N = 146 N = 115
13% 15% 14% 11%
20% 16%
22%
21%
67% 69%
64%
68%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Credit Card
Debit Card
Prepaid Card
13% 13% 14%
20%
18%
21%
67% 70%
65%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
Credit Card
Debit Card
Prepaid Card

22. 21
19-25 YEARS OLD IS CONSIDERED AN APPROPRIATE AGE
TO OWN A CREDIT CARD
In your opinion, at which age can use a credit card?
(Comparison by Age & Gender Group)
N = 410 N = 175 N = 235
Over 30 group considered 26-30 years old an appropriate age for owning a credit card
N = 410 N = 149 N = 146 N = 115
1% 0% 2% 2%
5%
1%
2%
16%
30%
8%
40%
45%
61%
87%
56%
35%
2% 5%
0% 3%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
11 - 18 years old
19 - 25 years old
26 - 30 years old
31 - 35 years old
Over 35 years old
1% 1% 2%
5%
3%
7%
30%
27%
32%
61%
69%
55%
2% 1% 4%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
11 - 18 years old
19 - 25 years old
26 - 30 years old
31 - 35 years old
Over 35 years old

23. 22
0%
13%
37%
43%
47%
82%
90%
90%
0% 50% 100%
Other
Pupil
Housewife
University Student
Worker
Government Officer
Office worker
Businessman
Total
0%
14%
41%
54%
52%
82%
91%
86%
0% 50% 100%
18-25
0%
11%
34%
39%
46%
80%
89%
92%
0% 50% 100%
26-30
0%
13%
36%
34%
43%
85%
90%
95%
0% 50% 100%
Over 30
BUSINESSMAN (90%), OFFICE WORKER (90%), GOVERNMENT OFFICER (82%)
ARE CONSIDERED APPROPRIATE TARGETS TO USE CREDIT CARD
Which of the following target can use a credit card?
(Comparison by Age Group)
N = 410 N = 149 N = 146 N = 115

24. 23
0%
13%
37%
43%
47%
82%
90%
90%
0% 50% 100%
Other
Pupil
Housewife
University Student
Worker
Government Officer
Office worker
Businessman
Total
0%
11%
31%
43%
41%
77%
87%
90%
0% 50% 100%
Male
0%
14%
42%
43%
52%
86%
92%
91%
0% 50% 100%
Female
Which of the following target can use a credit card?
(Comparison by Gender Group)
N = 410 N = 175 N = 235
BUSINESSMAN (90%), OFFICE WORKER (90%), GOVERNMENT OFFICER (82%)
ARE CONSIDERED APPROPRIATE TARGETS TO USE CREDIT CARD

25. 24
How many credit cards should an individual have?
(Comparison by Age & Gender Group)
N = 410 N = 175 N = 235N = 410 N = 149 N = 146 N = 115
31% 34% 32%
27%
2%
1% 1%
3%
8% 6% 10%
7%
40% 39%
41%
42%
19% 20%
15%
22%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
1
2
3
4
How many cards
depend on income
31%
27%
34%
2%
2%
2%8%
7%
9%
40%
45%
37%
19% 19% 18%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Male Female
1
2
3
4
How many cards
depend on income
40% THINK THAT AN INDIVIDUAL SHOULD HAVE 2 CREDIT CARDS

26. 25
FEEL FREE TO DROP US ANY QUESTION
• Japan & Taiwan
o Address: 3 Chome-2-6 Kasumigaseki, Chiyoda, Tokyo 100-0013, Japan
o Contact person: Mr. Hideyuki Kato (CEO)
o Email: hideyuki.kato@di-mktg.com
o Contact number: +81 3-5532-3200
• Vietnam
o Address: 9-15, Vincom center, 45A Ly Tu Trong, Ben Nghe ward, District 1,
Ho Chi Minh City, Vietnam
o Contact person: Mr. Ho Hai Dang (Country Manager)
o Email: dang.h@di-mktg.com
o Contact number: +84 902-73-9944
• Thailand
o Address: 246 Time Square Bld., 10th Fl., Room 10/04, Sukhumvit 12-14 Rd. Klongtoey,
Bangkok 10110, Thailand
o Contact person: Ms. Sariya Achawananthakul (Marketing & Operation Manager)
o Email: sariya.a@di-mktg.com
o Contact number: +66 876 724 832

27. 26
• Indonesia
o Address: Jalan Prof Dr Satrio Kav 18, 45th floor AXA Tower, Jakarta 12940, Indonesia
o Contact person: Mr. Hendry Pratama (Country Manager)
o Email: hendry.p@di-mktg.com
o Contact number: +65 822 1345 2555 | +62 21 3005 3541
• India
o Address: 10 Anson Road, #14-06, International Plaza, Singapore 079903
o Contact person: Mr. Sujit Kunte (Regional representative)
o Email: kunte.sujit@dreamincubator.com.sg
o Contact number: +65 9127 7654
FEEL FREE TO DROP US ANY QUESTION

28. 27