Trip insurance up to 11.65 billion VND

Get insurance for incidents and accidents during trips for cardholder and family members
Cash back rate up to 15 million VND/year
0.5% cash back on every shopping and service payment
Up to 45 days interest-free credit
Buy now - Pay later

Detailed Information

Card information


Earn 0.5% cashback on all spending transactions, up to a maximum of 800,000 VND per billing cycle.


  • Receive 1 million VND on your birthday.
  • Travel insurance coverage up to 11.65 billion VND for both customers and customers' immediate family members.
  • Evergreen Benefits: E-vouchers for discounts or free gifts from card-accepting establishments.
  • Direct discounts and vouchers from Vietcombank and Visa card organisations.
  • Toll-free dedicated hotline: 1800 1565.
  • Exclusive benefits for retail banking services. 

Financial optimisation

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

Convenient payment

  • Direct cash withdrawals or via QR code at ATMs.
  • Bill payments at ATMs.
  • Payment at card-accepting establishments: direct, contactless, or QR code.
  • Online payments: on websites or through VCB Digibank.
  • Payments via e-wallets/mobile payment apps: Apple Pay, Google Pay, Samsung Pay.
  • Card activation, card opening/locking, inquiry, limit changes, and more... on VCB Digibank.


  • Individuals 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. 


  • Application form and contract 
  • Card conditions

Card usage limit

  • Credit Limit: Starting from 70 million VND.
  • Spending: Up to 100% of the credit limit.
  • Domestic Cash Withdrawals: Up to 50% of the credit limit.
  • International Cash Withdrawals: Up to 30 million VND per day


Card validity

5 years 

Number of supplementary cards

Maximum 3 cards  

Statement date

  • Statement Date: 20th of each month.
  • Payment Due Date: 5th of the following month

User guide

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

Issuance fee


Annual fee


  • Main Card: 800,000 VND per card per year.
  • Supplementary Card: 500,000 VND per card per year. First supplementary card is free for the first year.

Other fees

Fees and interests details 

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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.

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