Vietcombank Mastercard®

Credit cards

Vietcombank Mastercard®

Interest-free

Up to 45 days

VCB Rewards

Unlimited

Apply now Add to compare

Detailed Information

Benefits

Usage limit

Card information

Fees

VCB Rewards points

Earn 2 points for every 1,000 VND spent.

Financial optimisation

Flexible installment payments with 0% interest rate.
Up to 45 days of interest free.

Convenient payment

Withdraw cash directly or through QR code at ATMs.
Pay bills at ATMs.
Make payments at card-accepting establishments: in-person, contactless, or with QR codes.
Make online payments on websites or through VCB Digibank.
Make payments using e-wallets.
Card activation, card opening/locking, 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.

Card usage limit

Credit limit: up to 300 million VND
Spending: 100% of the credit limit
Domestic cash withdrawal: 50% of the credit limit
International cash withdrawal: 30 million VND/day
Maximum cash withdrawal amount for all Mastercard 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: 10th of every month
Payment due date: 25th every month

User guide

Detailed guide on credit card payment, usage notice, etc.

Issuance fee

Free

Annual fee

- Primary Card: 200,000 VND/card/year

- Supplementary Card: 100,000 VND/card/year. First-year annual fee waived for one supplementary card.

- Subsequent years' annual fee waived when reaching spending volume of 80 million VND (details).

Other fees

Fees details

Caculator Tool

Choose a card

%

Estimated spending amount

VND

Result

-- VND

Note

Latest promotions

View all

You might be interested

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.