fbpx

General FAQ “Wing Bank Visa Credit Card”

  • 1. What is Wing Bank Visa Credit Card?

    Wing Bank Visa Credit Card is an international card that allows customers to transact retail purchases, online purchases, and cash withdrawals worldwide Visa acceptance provided a certain approval limit from the bank and payback after receiving the billing statement​ with a free interest rate of up to 55 days

  • 2. How many types of Wing Bank Visa Credit Cards?

    There are 2 types of Wing Bank Visa Credit Cards: Visa Credit Gold, and Visa Credit Platinum

  • 3. What is the fee charged for Wing Bank Visa credit Gold and Platinum?

    Visa Credit Card

    Platinum

    Gold

    Annual Fee (Primary)

    250$

    50$

    Annual Fee (Supplementary

    50$

    10$

    Card replacement fee

    15$

    10$

    Cash Advance Fee

    2% or Min USD5

    2% or Min USD5

    Cash Advance Interest

    2% per month

    2% per month

    Purchase Interest

    1.5% per month

    1.5% per month

    FX Fee

    2.5% of the transaction amount

    2.5% of the transaction amount

    Late Payment Charge Fee

    5% of the minimum repayment amount

    5% of the minimum repayment amount

  • 4. What is the benefit of using Wing Bank Visa Credit Gold and Platinum

    • A convenient way to manage your funds
    • Make payment via POS and online worldwide wherever VISA accepted
    • Cash Advance up to 100% of a credit line from ATMs worldwide wherever VISA accepted
    • Enjoy exciting promotions at VISA participated merchant program worldwide
    • Spend now and pay later without interest charges up to 55 days
    • Receive notification for any card transaction made
    • Card control and billing repayment are available on Wing Bank App
    • Allow up to 5 supplementary cards for family members
    • Enjoy eco-friendly by holding a card made from 94% plant material
    • Customer Service support 24/7
    • Global airport lounge access (2 times per year for Gold, 8 times per year for Platinum)
    • Travel Insurance coverage (up to USD500,000 for Gold, up to USD1,000,000 for Platinum). Remark: travel insurance’s terms & conditions applies
  • 5. How much does the bank offers credit limits to cardholders?

    The bank offers credit limits based on your monthly income and your credit profile/history

    1. Up to USD 5,000 for Wing Bank Visa Credit Gold
    2. Up to USD 50,000 for Wing Bank Visa Credit Platinum
  • 6. Who is eligible for Wing Bank Visa Credit Card?

    All Wing Bank customers with full KYC and requirements.

  • 7. What are the required documents to apply for Wing Bank Visa Credit Card?

    For Secure Credit Card

    1. Valid national ID card or passport
    2. Have savings, current or fixed account Wing Bank as collateral

    For an unsecured Credit card

    1.Personal Identification

    • Valid national ID card or passport
    • For foreigner: residence with valid visa entry and living period in Cambodia longer and 182 days /employment contract/ business registration.

    2.Proof of Income

    • Employees
      - Employment letter including application name, salary, position, and length of minimum working period
      - Bank statement for the last 3 months
      - Salary slips for the last 3 months
      - Additional documents if any
    • Business Owners
      - Income statement for the last 1-year period or bank statement for 6 months
      - House rental contract
      - Business license/patent
      - Additional documents if any
  • 8. How can I apply for Wing Bank Visa Credit Card?

    Visit your nearest Wing Bank branches or contact us via our hotlines: +855 23 999 989/012 999 489 for more information.

  • 9. How to activate Visa Credit Card?

    You can activate the Visa Credit card via Wing Bank App and ATM

    Activated by ATM

    • Insert the card
    • Select Language
    • Main Menu
    • Select “Card Activation”
    • Enter New 6 digits PIN Card
    • Re-Enter New 6 digits PIN Card
    • Enter your temporary PIN which sent to your phone number
    • Your Card has been Activated

    Activated by Wing Bank App

    • Tap “My Account”
    • Tap “Manage Card”
    • Tap “+” add card
    • Tap “Link Card”
    • Scan QR code or input the tracking number
    • Tap “I agree with Terms and Conditions” and tap “Confirm”
    • Input valid 4 digits PIN to continue
    • Card successfully linked and tap “Activate”
    • Set up New 6 digits PIN Card
    • Confirm New 6 digits PIN Card
    • Card successfully activates
  • 10. If I don’t have any Wing Bank Account, can I apply for Visa Credit Card?

    No, you cannot

  • 11. How long is the Wing Visa Credit Card Valid?

    5 Years

  • 12. What is the billing statement date?

    Every 21st of each month.

  • 13. How can I receive the monthly credit card billing statement?

    Your monthly credit card billing statement will be automatically sent to your personal email which you provided in the application form and it’s also available on the Wing Bank app too.

  • 14. How can I pay my Credit Card billing?

    You can pay your credit card billing by as following:

    1. Auto debiting from your Saving or Current account
      • Make sure your account has enough balance or you can deposit to your account a day before the due date as auto debit will perform one day before the due date
      • After auto debit perform successfully, the credit limit will increase immediately (Real Time), and you can enjoy using your Wing Visa Credit Card
    2. Manual Repayment on Wing Bank App
      • Open Wing Bank App
      • Click “Bill Payment”
      • Select the “Finance” button
      • Search for "Wing Credit Card"
      • Select "My Account" to be the source of funds for repayment
      • Input "Payment ID" and the amount to be paid will be displayed, it's adjustable
      • Click "Pay" and reconfirmed the amount to be paid
      • Enter the account passcode (4 digits) to authorize the repayment
      • Payment completed, credit card balance increase (Real-time) you can enjoy using your Wing Visa Credit Card
    1. Wing Agent/Master Agent, or at any Wing Bank branches
      • Go to the nearest Wing Cash Xpress (WCX) outlet
      • Inform the agent's staff that you want to pay the Wing Credit Card bills
      • Provide your Payment ID, phone number, and repayment amount
      • Give cash to Wing Cash Xpress (WCX)
      • Payment completed, credit card balance increase (Real-time)
      • you can enjoy using your Wing Visa Credit Card
  • 15. Can I pay to exceed the amount on my billing?

    Yes, you can. The exceeded amount will be judged as your own fund, and it will increase your available credit limit. 

  • 16. When is the payment due date of the billing statement?

    up to 25 days after the statement date (Forward to the next working day if falls in weekend/public holiday).

  • 17. Is there any fee charge for Wing Credit card repayment?

    There is no fee charged for Wing Credit Card payments.

  • 18. Can I use my credit limit immediately after repayment?

    Yes

  • 19. How many supplementary cards can I request?

    Up to 5 supplementary cards.

  • 20. What should I do if I do not receive my monthly credit card statement?

    If you don’t receive your monthly credit card statement on the 21stth of each month, please contact 023 999 989 or 012 999 489 immediately or you can check on your Wing mobile App.

  • 21. How many options for repayment?

    There are 2 options

    1. Option 1: Repayment with the full amount
    2. Option 2: Repayment with minimum amount (10%, 20%, 50%, Or Minimum USD 15)
  • 22. Can I change my repayment option later?

    Yes, you can change the repayment option later by visiting the nearest branch.

  • 23. What should I do if my Wing Bank Visa Credit Card is Stolen or lost?

    You can immediately block your Visa Credit Card through Wing Bank App, call to call center via 023 999 898/012 999 489, or visit any nearest branches.

  • 24. How can I know that my online transaction is secured?

    • All card settings are available on Wing Bank App with high-security protection and EMV 3D secure 2.0 for your online purchasing. Cardholders can set up purchase limits and withdrawal limits for better control of your card usage via Wing Bank App.
    • Notification alert via purchase online, e-commerce, or ATM withdrawal.
    • One-Time-Password (OTP) generated will be pushed on Wing Bank App for every online transaction at 3D secured merchant.
  • 25. What should I do to get OTP for my online transaction if I am abroad or if my phone cannot receive OTP?

    No worry, please get access to your Wing Bank App, the OTP will be sent to your Wing Bank App for the online transactions.

  • 26. How much can I withdraw cash from my credit card?

    You can withdraw cash 100% of your available credit limit.

  • 27. Can I use my credit limit immediately after repayment?

    Yes, your credit limit will be restored immediately after successful repayment.

  • 28. What should I do if I want to close my credit card?

    Please visit the nearest Wing Bank Branch for Credit card closure.