Frequently Asked Questions

• When making payment with credit card at merchants, you need to check the amount on the receipt before signing. Keep a copy of the bill/receipt. When getting back your card, you need to check to avoid getting card of other people mistakenly. Besides, never disclose your card number and the CVV number at the back of your card to anyone. 
  
• ​​​​​​​With online transaction, you should check and make payment at websites with secured payment feature (Visa Secure/Mastercard ID check/JCB Secured code/ American Express SafeKey) or trusted website with detailed information about online payment.​

• ​​​​​​​​For Vietcombank Visa Signature/ Vietcombank Mastercard World international credit card: interest free period is up to 55 days.
• For American Express international credit card: the interest free period is up to 50 days.
• For Visa/Mastercard/JCB/UnionPay international credit card: interest free period is up to 45 days. 
• ​​​​​​​For Vietcombank Visa Corporate, Vietcombank American Express Corporate card: interest free period is up to 57 days.

• When getting cash in advance from credit card at ATM, you only pay fee of 3,64% of the cash withdrawal amount (minimum of VND 45,454) at any Vietcombank’s ATMs in Vietnam.
  
• In case you withdraw cash at other bank’s ATMs, you might be charged additional fee regulated by that bank. ​

Currently, customers can pay for credit card statements by the following methods:

• Automatic debit  
• Pay via VCB Digibank on Mobile application and on web browser (for your card or another VCB cardholder’s card)
  
• Cash deposit directly at Branch / Transaction office of VCB  
• Transfer from other banks

Please note:

• For Automatic debit:

• You can request VCB to debit automatically daily or monthly.
• The automatic debit account may be the cardholder's account opened at VCB or another person's account opened at VCB (in case account holder agreed with that in written form).
• For daily automatic debit: The automatic debit amount is the whole balance.
• For monthly automatic debit: The automatic debit amount may be the minimum payment amount or the whole balance. VCB will make automatic debit deduction 01 days before proposed payment date, on proposed payment date and up to 3 times after proposed payment date.

• For payment via VCB Digibank on Mobile application and on web browser: transactions will be updated to the system on the same day if done before 18:00 and on the next day if done after 18:00. Therefore, please pay before 18:00 to request payment to enjoy the fee/interest incentive as prescribed by VCB.
• For transfer from other banks: Bank transfer information is as follows:

• Beneficiary account number: 068270301015 - Beneficiary account name: Trung gian thanh toan the.
• Or Beneficiary account number: Card account number - Beneficiary account name: Primary cardholder's name.
• Branch (if any): Tru so chinh
• Transaction amount: Not greater than the outstanding balance.
• Content: Pay for credit card statement of account number (specify card account number)

(Note: The card account number is announced on your credit card statement. Please be advised that the beneficiary account number must be Card account number, please do not use the credit card number to avoid the transaction decline)

• In addition, payment transactions via bank transfer from other banks will be updated into the system after 1-2 working days. Therefore, please make sure that you make your payment at least 1 working day prior to the Proposed payment date to allow time for interbank transaction processing.

Yes, you can transfer from your foreign currency account via ATMs or VCB-iB@nking service or register for auto debit service to pay for your credit card outstanding balance.​​​​​​​​

At the payment proposed payment date, you can pay only the minimum amount (showing on bank statement). However, in order to avoid interest rate incurred from unpaid amount, the bank recommends customer to pay the outstanding balance shown on the statement.​​​​​​​

​If cardholders do not pay minimum required amount at the proposed payment date, late payment fee will be applied (as regulated in VCB card fees schedule). At the same time, credit card interest rate will be applied for the whole outstanding balance and new arising transactions/charges (if any). For cash withdrawal transaction, interest will be applied at the time cardholder withdrew cash with credit card.​​​​​​​

Debit payment is provided for cardholders having current account at Vietcombank. You can choose to auto debit the minimum amount or the whole amount showing on your credit card statement. Make sure your bank account have enough amount to cover the payment.​​​​​​​​

• ​If your Vietcombank credit card is lost/stolen, please immediately lock the card using VCB-iB@nking service, VCB-Mobile B@nking, sending text message to 6167 or contacting our 24/7 Vietcombank Contact Center hotline: 1900.54.54.13.
• Please be noted that you will be responsible for all transactions arised from your credit card until the Bank received information about the lost card and locked the card.

​Vietcombank credit card usually valid for 05 years. However, in case cardholder is foreigner, validity of the card can be shorter depending on the remained duration of his/her stay in Vietnam shown on his/her working permit.​​​​​​​