Vietcombank Cashplus Platinum American Express® international credit card

31/05/2019 01:20 PM

I.          Card features and benefits

  • Buy first-pay later, up to 50 days interest-free period.
  • Flexible payment at all points of sales having American Express logo worldwide, including contactless merchants. (For contactless payment user guide, please refer here).
  • Convenient payment via Internet, mobile app, MOCA app. (For MOCA payment user guide, please refer here).
  • Flexible installment on VCB Digibank at a small fee (Visit here for detail).
  • 0% interest instalment at Vietcombank's partner merchants (Visit here for detail).
  • Cashwithdrawal at any ATM having American Expres logo in Vietnam and worldwide.
  • Keep track of transactions and manage spending easily with additional services such as VCB Digibank on Mobile application and on web browser, VCB-SMS B@nking, VCB-Phone B@nking.
  • Comprehensive and high-secured EMV chip contact and contactless technology with international standard, advanced security method using OTP, Tokenization for online payments, mobile applications.
  • Safety online transactions with 3D Secure feature.
  • Customer services 24/7 via Hotline 1900.54.54.13 or Hotline for high-end customers +84.1800.1565.
  • Exclusive offers from Vietcombank and American Express periodically.

II.      Exclusive Privileges

Cashback feature:

  • Before 02/07/2023: Cardholders can enjoy unlimited cashback 1.5% for all eligible spending. 
  • From 02/07/2023: Cardholders can enjoy an unlimited cashback of 1.5% for eligible spending made abroad in foreign currencies and a cashback of 0.5% for other eligible spending.
  • Terms and Conditions applied (More details here).

-Insurance benefit:

Cardholder and Family members of Cardholder will be insured up to 23,300,000,000 VND if the ticket for travel have been paid by using Card.

Insurance benefits are below: 

  • Travel Inconvenience (Flight Cancellation/Flight Delay/Baggage Delay/Baggage Loss)
  • Travel Trip Personal Accident Loss

Details of insurance policy as below:

* For cards issued/renewed from 01/04/2022 until the end of 31/03/2023:

  • To be entitled to insurance coverage provided by MIC within 12 months since the date of issuance/renewal (01/04/2022 – 31/03/2023 correspondingly)
  • Detail of MIC’ insurance policy here
  • When MIC’s coverage term expires, MIC will be the insurance provider.

* For cards issued/renewed from 01/04/2023 until the end of 31/03/2024:

  • To be entitled to insurance coverage provided by PVI.
  • Detail of the insurance policy here

- Shopping and dining offers: Special offers for for Amex Cashplus Platinum cardholders, for more details, please visit websites: hoặc

- Card service benefit: 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.

- Personal banking services benefit: 

  • Free maintenance fee for VCB Digibank;
  • Free money transfer via VCB Digibank; 
  • 50% discount on deposit account balance  confirmation fee and money transfer fee within VCB system at VCB’s counters (fee code C001).

Card usage information

  • Card validity: 05 years.
  • Number of supplementary cards: maximum 03 cards.
  • Statement date: 01st of every month
  • Proposed payment date: the 21st of every month. (If the proposed payment date falls on a weekend or holiday, payment will be accepted without penalty until the next business days).

​​​​​​​Card usage limit

Credit limit

From 70 million VND

Maximum spending limit per day

100% credit limit

Cash withdrawal limit

100% credit limit

Maximum cash withdrawal amount per day

100% credit limit

Maximum overseas cash withdrawal amount per day

30 mil VND

Maximum limit per cash withdrawal transaction at VCB’s ATM

10 mil VND/transaction

  • Cash withdrawal limit could be changed upon customer’s request.
  • Overseas cash withdrawal limit must followed SBV’s regulation.​​​​​​​

Issuance documents:

- For Vietnamese customers:

  • Application form for international credit card for individual customer (original document).
  • Copy of valid ID card/passport (original documents must be presented for verification).  
  • Proofs of financial status.
  • Other documents per Vietcombank’s request from time to time.

- For foreign customers: besides documents similar to Vietnamese customers, following documents need to be submitted:

  • Copy of valid documents showing that customer allowed to reside in Vietnam for at least 12 months (original documents must be presented for verification).
  • Copy of work permit or labour contract (in case the card was issued without collateral or party guaranteed) (original documents must be presented for verification).
  • Original verification document from employer (in case the card was issued without collateral or partly guaranteed).
Vietcombank Cashplus Platinum American Express® international credit card
Vietcombank Cashplus Platinum American Express® international credit card
The Vietcombank American Express Cashplus Platinum
  1. 1. I receive SMS/ OTT when using VCB’ credit card and show description that: Available credit limit? I don’t understand, please clarify
  2. 2. If I pass by contactless card reader, is there any chance that transaction can be made?
  3. 3. Is it safe to use contactless card?
  4. 4. How far should I place my contactless card from the card reader?
  5. 5. Can I use contactless card at merchants that do not accept contactless payment?
  6. 6. Where can I pay with contactless card?
  7. 7. What should I do to keep my contactless card secured?
  8. 8. Why are there contactless transactions not required to sign/enter PIN?
  9. 9. Why should I use contactless card?
  10. 10. How can I know if my card is contactless card?
  11. 11. What is contactless card?
  12. 12. What is Chip card? What are the differences between chip cards and magnetic stripe cards? Are Vietcombank cards chip cards or magnetic stripe ones?
  13. 13. Can Vietcombank corporate credit card be provided with supplementary cards?
  14. 14. I want to to issue corporate credit cards for my employees. Does Vietcombank provide corporate credit card?
  15. 15. Do supplementary cardholders need to show proof of income documents?
  16. 16. How long is the validity of Vietcombank credit card?
  17. 17. If my Vietcombank card is lost/stolen, what do I need to do?
  18. 18. How can I register for auto debit payment?
  19. 19. If I pay later than the proposed payment date, which fees/ interests do I need to pay?
  20. 20. At the payment proposed payment date, can I just pay the minimum required amount?​
  21. 21. In case my saving account at Vietcombank is in foreign currency, can I use this account to pay for my credit card balance?
  22. 22. How can I make payment for my credit cards at proposed payment date?
  23. 23. Which fees will I be charged when withdrawing cash at ATMs with my credit card?
  24. 24. How long is the interest free period set for credit card?
  25. 25. How can I use the card securely and safely?
  26. 26. Where can I find information about card related fees/ charges?
  27. 27. Can I change my credit limit after having my credit line approved by Vietcombank?
  28. 28. How does the bank determine credit limit for credit cardholder?
  29. 29. What is the PIN I receive together with my Vietcombank credit card used for?
  30. 30. I do not have sufficient required proof of income documents but I still want to apply for Vietcombank credit card. What should I do?
  31. 31. Which proof of income do I have to provide when applying for Vietcombank credit card?
  32. 32. Which documents should I prepare to apply for credit card of Vietcombank?
  33. 33. What are the differences between Vietcombank international credit cards in general and Vietcombank international co-branded credit card?
  34. 34. What cobrand credit card products are Vietcombank issuing?
  35. 35. What are the differences between credit card and debit card?
  36. 36. Which credit card brands does Vietcombank issue?
  37. 37. In case my question is not listed here, what should I do?
  38. 38. How does the bank determine credit limit for credit cardholder?
  39. 39. What cobrand credit card products are Vietcombank issuing?
  40. 40. What are the differences between credit card and debit card?
  41. 41. Which credit card brands do Vietcombank is issuing now?