Vietcombank American Express®

Credit cards

Vietcombank American Express®

cash back rate

Unlimited up to 0,8%

trip insurance

Up to
7 billion VND

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Detailed information

Benefits

Usage limits

Card information

Fees

Cashback

Unlimited cashback on all spending transactions:

0.8% for Gold tier
0.6% for Green tier

Details

Privileges

Travel insurance coverage of up to 7 billion VND for customers and customers' immediate family members.
Direct discounts, vouchers from Vietcombank, and American Express® cardholder benefits.
Medical and global travel support services at +84 2838246795.

Financial optimisation

Flexible installment payments with 0% interest
Up to 50 days of interest free

Convenient payment

Cash withdrawal directly or using a QR code at ATMs
Bill payments at ATMs
Payments at card-accepting establishments: in-person, contactless, or using QR codes
Online payments: on the website or through VCB Digibank
Payments via electronic wallets
Card activation, card opening/closing, inquiry, limit changes, and more... on VCB Digibank.

Requirements

Individual aged from 15 and above as prescribed by law.
Foreign residents legally residing in Vietnam for 12 months or more.

Issuance procedure

To request issuance, please provide application forms, personal documents, and proof of financial capacity.

Forms

Application form and contract
Card conditions, here

Card usage limit

Credit limit: up to 300 million VND
Spending: 100% of the credit limit
Domestic cash withdrawal: 75% of the credit limit
International cash withdrawal: 30 million VND/day
Maximum cash withdrawal amount for all Amex credit cards of each individual customer is 100 million VND/month

Card validity

5 years

Number of supplementary cards

Maximum 3 cards

Statement date

Statement date: 1st every month
Payment due date: 21st the following month

User guide

Detailed guide on credit card payment, payment statement, usage notice

Issuance fee

Free

Annual fee

Main card: 400.000 VND/card/year
Supplementary card: 200.000 VND/card/year. Free annual fee in the first year for the 1st supplementary card

Other fees

Fees and interests details

Caculator Tool

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Result

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Note

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1. I received a notification message during a credit card transaction saying it is a provisional available credit limit. Can you explain this to me?

To assist customers with multiple credit cards at VCB, each with interconnected credit limits, VCB provides information on the available temporary credit limit that customers can use.

For example, if a customer is assigned an overall credit limit of 100 million VND for credit card issuance, consisting of one Visa Platinum card with a limit of 100 million VND and one JCB Gold card with a limit of 70 million VND, and the customer has already spent 50 million VND on the Visa card, the available credit limit will be 50 million VND. If the customer continues to spend 5 million VND using the JCB card, the available credit limit will be 45 million VND (although the initial limit on the JCB card is 70 million VND, the customer has only utilized 5 million VND on this card).
2. Why have my linked cards on the MOCA application been temporarily locked?

To prevent potential fraudulent activities on your MOCA account for payments, MOCA will temporarily lock linked cards in the following cases:

1. Changing your mobile phone.
2. Entering the wrong user password five (5)times.

In these cases, to re-verify the cards, you'll need to provide the card number and OTP sent to your registered phone. For assistance, contact the VCB/MOCA hotline. This ensures secure transactions through the MOCA app.
3. I didn't receive the OTP to link my card. What should I do?

In this case, you need to check the following points:

-Ensure that the phone with the MOCA app is working properly and has an internet connection.
-Check if you have registered for SMS Banking with VCB (Note: OTP will be sent to the phone number you registered to receive OTP from VCB).
-Ensure that the phone with the registered SIM for receiving OTP is working properly.
-If the issue persists, you can call the MOCA hotline (1900 6923) or VCB's hotline (1900 54 54 13) for further assistance.