Card issuance promotions

150.000 VND voucher for supermarkets, restaurants and online payment
Earn points to redeem unlimited VCB Rewards
Redeem VCB Reward points for gifts: shopping, travel, etc. via VCB Digibank
Up to 45 days interest-free credit
Buy now - Pay later

Benefits
Conditions
Card information
Fees

VCB Rewards points

  • Earn 2 points for every 1,000 VND spent.
  • Get double points for unlimited spending on transactions abroad.
  • Earn 8 points for every 1,000 VND spent, with a maximum of 300,000 points per month for transactions on Shopee and Grab.

Privileges

  •  Receive an instant voucher worth 150,000 VND for supermarkets, restaurants, online payments, and more.
  • Evergreen Benefits: Enjoy e-vouchers, discounts, or free gifts from affiliated card-accepting businesses. 
  • Direct discounts and vouchers from Vietcombank and Visa card organization. 

Financial optimisation

  • Flexible installment payments with 0% interest.
  • Interest-free for up to 45 days.

 

Convenient payment

  • Withdraw cash directly from ATMs or by using QR codes at ATMs.
  • Pay bills at ATMs.
  • Make payments at card-accepting establishments: directly, contactless (Contactless), or via QR codes.
  • Make online payments on websites or through VCB Digibank.
  • Make payments using digital wallets/mobile payment apps: Apple Pay, Google Pay, Samsung Pay.
  • Activate cards, open/close cards, reconcile transactions, change credit limits, 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% credit limit
  • Domestic withdrawal:50% credit limit
  • International withdrawal: 30 million VND/day
  • Maximum cash withdrawal amount for all Visa 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: 20th every month
  • Payment due date: 5th of the following month

User guide

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

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 
  • Free of annual fee for the following year if card spending reaches 50 million VND or more

Other fees

Fees and interests details 

Caculator Tool

Choose a card
Reward Points Conversion Rate
VND/1 Point
Estimated spending amount
VND

Result

Expected reward points to receive
-- Point

Note

  • 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

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