• The average deposit balance over the previous 12 months or the committed deposit balance to be maintained within the next 6 months from the identification date, from VND 2 billion or more; or
• The average outstanding loan balance over the previous 12 months or the committed outstanding loan balance over the next 6 months from the identification date, from VND 3 billion or more.

Customers with at least 01 insurance contract with FWD distributed by VCB (still effective and issued within a maximum of 3 years from the identification date) and with a cumulative insurance premium amount paid of 100 million VND or more over the last consecutive 12 months.

The total accumulated spending volume of all personal credit cards (excluding company-authorized personal credit cards) over the previous 12 months, from VND 150 million or more, applicable to Platinum credit cardholders or higher class

Average monthly income in the previous 12 months from 50 million VND or more.

Satisfy the following 2 conditions at the same time:

1. Meet at least 1 of the following 4 criteria:
   • Average deposit balance over the last consecutive 12 months or at the identification time from 1.5 billion VND upwards.
   • Average outstanding loan balance over the last consecutive 12 months or at the identification time from 2 billion VND upwards.
   • Cumulative expenditure total of all personal credit cards (excluding personally authorized corporate credit cards) over the last 12 months prior to the identification time of 120 million VND or more, applicable for Platinum and above credit card holders.
   • Cumulative insurance premium amount paid over the last 12 months prior to the identification time (including all insurance contracts with FWD distributed by Vietcombank) reaching 70 million VND or more.
2. Achieve at least 10 points according to the following scoring system:

CRITERIA	AMOUNT (VND)	CONVERSION POINTS
Deposit balance	200,000,000	1 point
Outstanding loan balance	300,000,000	1 point
Credit card expenditure	15,000,000	1 point
Insurance fees	10,000,000	1 point