• VCB Loyalty Program

    Earn countless rewards, Redeem endless joy

    Points Wallet – Cashback Wallet – Lotusmiles Wallet

More effortless
Easy to track and manage Points Wallet, Cashback Wallet, and Lotusmiles Wallet
More convenient
Curated gift catalog tailored to individual preferences, making redemptions more seamless
More diverse
A world of rewards from leading brands across dining, entertainment, shopping, travel, and more

Points Wallet: Earn and Redeem Points

Transactions via VCB Digibank

Earn points through bill payments, shopping, biometric updates, personal information updates, and completing Vietcombank surveys

Spending via international cards

Applicable to international credit and debit cards from Visa, Mastercard, JCB, and UnionPay

Savings & insurance purchases

Earn points when opening new savings accounts, term deposits, purchasing insurance policies, or making premium payments

Exclusive privileges for priority customers

Earn bonus points when becoming or upgrading to a Priority Customer tier, as well as on customer’s birthday

Vouchers & gifts across various categories

Redeem points for vouchers with special offers on dining, entertainment, transportation, shopping, travel… or gifts such as household items, books, cosmetics, and more.

Transactions via VCB Digibank

Use points for mobile top-ups, transportation account top-ups, charitable donations, or credit card annual fee payments

Shopping on VCB Digibank

Redeem points for TV service packages or shop on VnShop, with products ranging from home appliances and electronics to fashion and beauty

Points Wallet: Earn and Redeem Points

New Features on VCB Loyalty
- Cashback Wallet: Track cashback received from card transactions
- Lotusmiles Wallet: Track Lotusmiles earned from card transactions

Things you might want to know

General
Reference

Conditions

Individual customers must meet both of the following conditions:

  • Successfully activate the VCB Digibank service
  • Hold at least one active personal international card issued by Vietcombank

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Reward Points Policy

  • Conversion Rate: 1 VND = 1 point

  • Points are credited immediately or after eligible transactions and reflected in the Vietcombank system

  • Minimum points required for redemption: 20,000 points

  • Redemption channel: VCB Digibank (app and website)

  • Validity: Points are valid until 31 October of the following year and will be automatically revoked after expiration

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Cashback Terms

Applicable for the following cards:

  • Vietcombank Visa Infinite (credit)

  • Vietcombank Visa Signature (credit)

  • VCB DigiCard (virtual international debit)

Cashback rates: Refer to full Terms & Conditions

Cashback cycle: From the 21st of the current month to the 20th of the next month

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Lotusmiles Terms

Applicable for:

  • Vietcombank Vietnam Airlines Platinum Amex (primary & supplementary)

  • Vietcombank Vietnam Airlines Amex (Blue/Gold tiers – primary & supplementary)

  • Not applicable for company-issued cards used by individuals.

Mileage earning details: Refer to full Terms & Conditions

Mileage posting cycle:

  • Monthly, per Amex statement period

  • Within 20 days after the statement cycle, Vietcombank coordinates with Vietnam Airlines to credit Lotusmiles to eligible cardholders’ accounts

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Terms and Conditions

Click here
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