FAQs list for VCB Loyalty

Yes. Loyalty points are valid until 31 October of the following year after the date they are credited to your VCB Loyalty account, or as specified in promotional campaigns.
Example: If you earn points on 20 February 2025, they are valid until 31 October 2026.

Yes. If you cancel the VCB Digibank service, change the phone number registered with VCB Digibank, or cancel your international card such that no active international card remains, your VCB Loyalty account will remain intact but will be placed in a "Pending" status.

This pending status will be maintained for up to 90 days from the date the change occurs. During this period:

• All accumulated points will be preserved.
• You may continue to earn points on eligible transactions.
• However, you will not be able to redeem points.

If you reactivate either the VCB Digibank service or an international card within the 90-day period, your Loyalty account will return to **"Active"** status, and you may continue to earn and redeem points as normal.

After the 90-day pending period:

• If you still do not meet the membership criteria, you will no longer be a VCB Loyalty member.

In such cases:

• If your available points balance is greater than zero, all points will be forfeited.
• If your available points balance is less than zero, the negative balance will be converted into Vietnamese Dong at a rate of 1 point = 1 VND, and the equivalent amount will be debited from your Vietcombank payment account.

No registration is required. Any individual who has successfully activated VCB Digibank and has at least one active international personal card (credit or debit) will automatically be enrolled as a member.

Yes. If you do not qualify to become a VCB Loyalty member, you may continue to use the VCB Rewards service on VCB Digibank until 31 October 2025.

After this date, all unused VCB Rewards points accumulated before 31 December 2024 will be forfeited, in accordance with the terms and conditions of the VCB Rewards Programme.

Please note that the VCB Rewards Programme will officially be discontinued from 1 November 2025.

No. Membership in the VCB Loyalty Programme is completely free of charge.

A VCB Loyalty member will have a 90-day “Pending” period if they cancel the VCB Digibank service, change the phone number registered with Digibank, or cancel all active international cards—resulting in no longer meeting the eligibility criteria for membership.

If, by the end of this 90-day pending period, you do not reactivate either the VCB Digibank service or an international card to fulfil the membership requirements, your VCB Loyalty membership will be terminated, and you will no longer be part of the programme.

VCB Loyalty is a new customer loyalty programme for individual clients of Vietcombank, launched in 2025.

Key differences between VCB Loyalty 2025 and VCB Rewards 2024:

• Membership criteria: In addition to being a VCB Digibank user (as required in VCB Rewards), customers must also hold at least one active international card to qualify as a VCB Loyalty member.
• Reward formats: Besides point accumulation, VCB Loyalty includes cashback and mileage accumulation options (initially, only points will be available from 11/03/2025. Cashback and mileage will be introduced later in 2025).
• Expanded point accumulation scope: Customers can now earn points for opening fixed-term savings accounts/life insurance contracts at branches, attaining or upgrading to Priority Customer status, verifying personal data through the national database, or providing additional demographic information.

Note:

• Customers already enrolled in VCB Rewards and who meet the VCB Loyalty criteria will be automatically transferred to the new programme. All points, history, and redeemed gifts will be carried over to the VCB Loyalty feature on VCB Digibank.
• Customers who do not meet the new eligibility criteria may continue to redeem VCB Rewards points earned in 2024 under the previous programme rules until 31/10/2025.

You can view the full list of available gifts and redeem your points in the VCB Loyalty section on VCB Digibank (via both the mobile app and web version).

Eligible services include:

• Bill payments, online shopping, updating biometric and personal data via VCB Digibank.
• Spending via international credit/debit cards at both physical and online merchants, including QR payments from credit cards.
• Deposit/savings products.
• Insurance services, including payments initiated via VCB Digibank and new life insurance contracts (FWD) opened at branches.
• Priority Customer events such as birthdays, status identification or upgrades.