45 days interest-free
Buy now, pay later 
Redeem rewards point for Vietcombank Takashimaya gifts
Earn rewards points to redeem for gift vouchers at Saigon Centre
Global exclusive deals
Mass and exclusive offers from  Vietcombank, Visa and partners 

Benefits
Conditions
Card Information
Fees

Takashimaya points

Earn 20 unlimited points for every 20,000 VND spent:

 

  • At Takashimaya Shopping Mall:

        - x20 unlimited reward points with Visa Gold card

        - x17 unlimited reward points with Visa and JCB Standard cards

 

  • At Saigon Center Shopping Mall:

        - x10 unlimited reward points with Visa Gold card

        - x8.5 unlimited reward points with Visa and JCB Standard cards

(Details)

 

Privileges

  • Evergreen Benefit: E-voucher discounts or free gifts from card-accepting establishments (Details)
  • Direct discounts, vouchers from Vietcombank and Visa (Details)

Financial optimisation

  • Flexible installment payments with 0% interest
  • Up to 45 days 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/mobile payment apps: Apple Pay, Google Pay, Samsung Pay (applicable only to Visa cards)
  • 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: view here
  • Card conditions: view here

Card usage limit

  • Credit limit: up to 300 million VND 
  • Spend: 100% of credit limit 
  • Domestic cash withdrawal: 50% of credit limit 
  • Overseas cash withdrawal: 30 million VND/day 

Card validity

5 years  

Number of supplementary cards

None 

Statement date

  • For Visa:

  -Statement date: the 20th of each month

  - Payment due date: the 5th of the following month

 

  • For JCB:

  - Statement date: the 15th of each month

  - Payment due date: the 30th of the following month

User guide

Detailed instructions, statements of payment, and notes for card usage 

Issuance fee

Free 

Annual fee

  • Gold Tier Card: 200,000 VND/card/year
  • Standard Tier Card: 100,000 VND/card/year

*First-year annual fee waived

 

Other fees

Fees and interests details 

Caculator Tool

Choose a card
Vietcombank Vibe Platinum
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Cashplus Platinum American Express®
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Mastercard World®
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Visa Platinum
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Vietnam Airlines Platinum American Express®
  • The calculation table is for reference only.
  • The conversion rate for reward miles must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank JCB Platinum
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Vibe
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Vietnam Airlines American Express®
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank JCB
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank American Express®
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Mastercard®
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Saigon Center - Takashimaya - Vietcombank
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Visa Platinum
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank eVer-link
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
VCB DigiCard
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Mastercard Debit
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank Takashimaya Visa
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
Vietcombank – Vietnam National University Ho Chi Minh City Visa
  • The calculation table is for reference only.
  • The conversion rate for reward points must comply with the regulations of each product and may change according to VCB's policies and regulations for each period
%
Estimated spending amount
VND

Result

-- VND

Note

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FAQs

  • 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.


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