VIETCOMBANK AMERICAN EXPRESS® CASHPLUS PLATINUM CREDIT CARD

Card features and benefits

I. Card features and benefits

Initiative financial planning with "buy first-pay later" feature, up to 50 days interest-free period.
Convenient payment at millions of points of sales worldwide and including contactless POS, online payment via Internet and mobile payment applications.
0% interest installment payment at affiliated partners with Vietcombank.
Cash withdrawal at millions of ATMs with American Express logo domestic and international.
Enjoy shopping, gastronomic and travel incentives under the programs of Vietcombank and American Express from time to time.
Keep track of transactions and manage spending easily with VCB-SMS B@nking Service, VCB –iB@nking and Mobile Banking Service, and monthly statement.
Card Security: comprehensive and highly-secured EMV contact and EMV contactless technology with international standard and authentication solution 3D-Secure (Safekey) for online transaction.
Customer services 24/7 via VCB - Phone B@nking Service +84.1900.54.54.13 or toll-free hotline for high-end customer segments +84.1800.1565.

II. Exclusive Privileges

Unlimited cashback 1.5% for all payment. Click here for more details
Free 100% green fee at the golf courses in the program, cardholders can book using the website link (https://amexvietnam.greengolf.biz.)
Insurance up to VND 23.3 billion for cardholders and family members. For more information, please click here.
Special offers for shopping and dining specially for Amex Cashplus Platinum cardholders as link: https://livetheworld.americanexpress.com/en-GB ,www.Amexdiningprogram.com
Preferential card service: free first year annual fee for 01 supplementary card; Waiver of issuance fee of 01 VCB debit card; Free first year annual fee of 01 credit card VCB (except for Platinum credit card); Free credit limit confirmation; Free credit limit change; Free re-issue cards and issue replacement cards.
Preferential retail banking service: Free VCB-iB@nking service, Free confirmation of deposit account balance; Free transfer of money within VCB system at the counter (C001 fee code).

Card usage limit and information

Card usage information

Card usage limit

Credit limit	Default spending limit	*Default cash withdrawal limit ()**	Default cash withdrawal limit per day	Default cash withdrawal limit outside the country
Over 100 mil VND	Up to Credit limit	Up to Credit limit	Up to Credit limit	30 mil VND

(*): Cash withdrawal limit is subject to change according to customer requirements.

Card usage information

Card validity: maximum 5 years.
Number of supplementary cards: up to 03 cards.
Statement date: the 1st day of every month
Due date: the 21st day of every month.

(if the due date fall on a weekend or holiday, payment will be accepted without penalty until the next business days)

Issuance procedure and requirements

I. Issuance Requirements

Customers are eligible for card issuance in accordance with the law and the State Bank of Vietnam's regulations:

Having full civil act capacity as prescribed by law (for persons aged 18 or older), or
No loss or restriction of civil act capacity (for persons aged between 15 and under 18).

In case customers are foreigner, customers must be permitted to reside in Vietnam for a term of 12 months or more

II. Issuance Documents

Vietcombank International Credit card application form for individual customer and Terms and Conditions
Copy of ID card/passport (original documents should be presented for verification)
Copy of Passport, Visa and/or proof of valid residence in case Customer is foreigner (original documents should be presented for verification).
Papers evidencing income (statements of wages through banks, labor contracts; or tax / tax finalization reports for customers are business owners, private enterprises ...).
Papers proving the form of collateral (in case of issuing card in a secured form)
Other documents required by Vietcombank (in case of issuing personal card authorized by the company)

Fees

VIETCOMBANK AMERICAN EXPRESS® CASHPLUS PLATINUM CREDIT CARD

The Vietcombank American Express Cashplus Platinum

20190604_Biểu phí.pdf

Application Form

FAQs

Can Vietcombank corporate credit card be provided with supplementary cards?

Due to card feature exclusively for business expenses, the Vietcombank Corporate Cards can not be provided with supplementary cards.
I want to work with the bank to issue corporate credit cards for my employees. Does Vietcombank provide corporate credit card?

Yes, the Vietcombank American Express® Corporate Card is our first corporate credit card provided in Vietnam, designed exclusively for corporates/ organization as a comprehensive payment/expense management solution, at the same time, offer many benefits for staff.
Do supplementary cardholders need to show proof of income documents?

The Bank does not require proof of income documents from the Supplementary cardholder because it is issued under the account of primary card.
How long is the validity of Vietcombank credit card?

Normally, Vietcombank credit card is valid for maximum 3 years. However, the validity of credit card also depends on the labour contract in the case of foreign employees in Vietnam (if the contract is less than 3 years, the validity will be correspondingly shorten).
If my Vietcombank card is lost/stolen, what do I need to do?
- If your Vietcombank credit card is lost/stolen, please immediately lock the card by contacting our 24/7 Vietcombank Contact Center hotline: 1900.54.54.13 or via VCB-iB@nking service.
- Please note that you will be responsible for all transactions arised from your credit card until the Bank gets and confirms your notification about card lost.
How can I register for auto debit payment?

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 bank statement. Make sure your bank account have enough amount to cover the charge.
If I pay later than the payment due date, which fees/ interests do I need to pay?

If cardholders do not pay minimum required amount at the payment due date, late payment fee will be applied (as regulated at our Credit card fees list). At the same time, credit card interest rate will be applied for the whole outstanding balance and new arising transactions/charges (if any).
If at the payment due date, can I just pay the minimum required amount?

At the payment due date, the bank only requires cardholders to pay the minimum amount (showing on bank statement). However, in that case interest rate will be still applied for the not-yet paid amount from the transaction date.
1. In case my saving account at Vietcombank is in foreign currency, can I use this account to pay for my credit card balance?

Yes, you can transfer from your foreign currency account via ATMs or VCB-iB@nking service or register auto debit service to pay for your credit account balance.
When it comes to the payment due date, how can I make payment for my credit cards?
There are 3 ways to pay for your balance on credit card account:
- Automatic debiting (auto-debit) the current account - You can register for automatic payment by debiting the current account at Vietcombank with minimum payment amount or the whole balance on the credit card account. You only need to make sure your account has sufficient amount to pay at the due date.
- Bank transfer – You can transfer from your other account to credit card account at Vietcombank’s ATMs or Internet banking service, or transfer from other banks.
- Payment by cash/cheque– You can make your credit card payment by cash at 24/7 multi-function ATMs located at Vietcombank branches/sub-branches; or at bank counters at any Vietcombank branches/sub-branches in working days.
Which fees will I be charged when withdrawing cash at ATMs with my credit card?
- When getting cash in advance from credit card at ATM, you only pay fee of 4% over the cash amount (minimum of VND 50,000) 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.
How long is the interest free period set for credit card?
- For American Express credit card: the interest free period is up to 50 days. With Vietcombank American Express Coporate: it is up to 57 days.
- For Visa/Mastercard/JCB/UnionPay credit card: interest free period is up to 45 days.
How can I use the card securely and safely?
When making payment by 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 give anyone your card number and the CVV number at the back of your card.
With online transaction, you should check and make payment at websites with secured payment feature (verified by Visa/Master/JCB secured code) or trusted website with detailed information about online payment.
Where can I find information about card related fees/ charges?

Information about the credit card fees/charges, please visit our official website www.vietcombank.com.vn or contact our 24/7 Vietcombank Contact Center hotline: 1900.54.54.13.
1. What is CHIP card? What are the differences between chip cards and magnetic stripe cards? Are Vietcombank cards chip cards or magnetic stripe ones?

Chip card is also called "smart card". This type of card has a chip attached on the card surface and this is the visiable difference between chip cards and stripe one. Chip cards still have stripe line at the back of the card. Vietcombank issues both chip and stripe cards but most of card products are provided with chip technology because of its high security feature.
How does the bank determine credit limit for credit cardholder?

if your overall credit limit is still not fully utilised. If not, you can provide documents proving your ability to cover your summited card credit limit (income or collaterals). You can send your credit card change request and the bank will respond promptly whether your request is accepted.
How does the bank determine credit limit for credit cardholder?

The procedure depends on many factors and follows our Credit Score regulations. For more details, please contact our nearest branches/sub-branches.
What is the PIN I receive together with my Vietcombank credit card used for?

Your PIN provided by the Bank together with your credit card will be used in the case you want to get cash advances at ATMs, therefore it should be kept secured. Your PIN is fixed and unchangeable.
I do not have sufficient required proof of income documents but I still want to apply for Vietcombank credit card. What should I do?
If you do not sufficient required proof of income documents, you are still able to apply for secured Vietcombank credit cards. Documents required include application form, personal document and documents as follows:
- By Collateral: only 1 collateral for card issuance guaranteed:
- Contract of pledge (original copy)
- Collateral: cash, saving book, block saving account at Vietcombank, government bond, bond of financial institution, other value document issued by Vietcombank/other banks/financial institution...
- By Guarantee: Letter of guarnatee (original copy) follow bank's form.
- By Individual/Organization guarantee for card issuance.
Which proof of income do I have to provide when apply for Vietcombank credit card?
If you are individual working for an organzation/company and;
- You are receiving salary through VCB account: you do not have to provide proof of income document.
- If you do not receive salary through VCB account: you can choose options as follows:
  - Option 1: Bank statement showing your salary at least 3 latest months (original copy with bank's seal) and Labour contract/Decision of position/Decision for salary raise/Decision of recruitment (photo copies).
  - Option 2: Letter of confirmation from employer (original copy, with seal of authorised representative) with bank's format form.
Note: - In case you are working for company/corporation in private sector, partnership proprietorship, private pubic service division:you're required to provide document following option 1.
- If you are owner of a private proprietorship: You are required to provide tax report in latest 3 months (photo copy), Business registration certificate (photo copy)
- If you are self-employed: you are required to provide business declaration of tax of the last 1 year (photo copy).
What are the difference between Vietcombank international credit cards in general and Vietcombank international co-brand credit card?

Vietcombank international co-brand credit cards also offers special benefits provided by Vietcombank and partners, beside basic features of credit card.
What cobrand credit card products are Vietcombank issuing?
Currently, Vietcombank has issued cobrand credit card products as follows:
- The Vietcombank Vietnam Airlines American Express: is the co-brand card with cooperation of Vietcombank and Vietnam Airlines. The Vietcombank Vietnam Airlines Platinum American Express (Platinum card) provide cardholders many outstanding benefits beside basic features of a co-brand credit card.
For more details, please click here.
- The Vietcombank Diamond Plaza Visa: is a co-brand card of Vietcombank and Diamond Plaza. Cardholders enjoy benefits from both Vietcombank and Diamond Plaza.
For more details, please click here.
- The Vietcombank Vietravel Visa: is a co-brand card between Vietcombank and Vietravel. Cardholders enjoy benefits from both Vietcombank and Vietravel.
For more details, please click here.
- The Saigon Centre – Takashimaya – Vietcombank Visa: is a co-brand card of Vietcombank and SAIGON CENTRE – TAKASHIMAYA. Cardholders enjoy benefits from both Vietcombank and SAIGON CENTRE - TAKASHIMAYA.
For more details, please click here.
What are the differences between credit card and debit card?
Definition
- Credit card: the card having the feature of “spend first, pay later” within the fixed limit that the bank set for cardholder; with interest-free period of up to 50 days. If you do not have account at the bank, you are still able to apply for a credit card.
- Debit card: the card connecting with your payment account at the bank. You can use your debit card for making payment or cash withdrawal within the balance in your account. Therefore, in order to apply for debit card, you must have an account opened at the card-issuing bank.
- Credit card
  - Finance initiatives: spend first, pay later, interest free period of up to 45-50 days (depend on credit card product)
  - Convenient payment and spending: at merchants or online
- Debit card
- - Finance inititative: high spending and cash withdrawal limit, enjoy non-term interest rate at the balance in cardholder's account;
  - Convenient and flexible payment: Cash withdrawal at ATM/merchants and product/service payment at merchants and online.
  - Various added value service
- - - Fast and convenient bank transfer within Vietcombank system and interbank
    - Bill payment for electricity, telecommunication, airline, phone, insurance..., mobile top-up, game card top-up…;
Which credit card brands do Vietcombank is issuing now?
Vietcombank is card issuer of best-known card brands including:
- American Express®
- Visa
- MasterCard
- JCB
- UnionPay

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