Customer Service 24/7

1900 54 54 13

Online Banking VCB - iB@nking


31/05/2019 01:20 PM
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  (
  • 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:,
  • 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 limitDefault spending limitDefault cash withdrawal limit (*)Default cash withdrawal limit per dayDefault cash withdrawal limit outside the country
Over 100 mil VNDUp to Credit limitUp to Credit limitUp to Credit limit30 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)
The Vietcombank American Express Cashplus Platinum
Application Form
  1. Can Vietcombank corporate credit card be provided with supplementary cards?
  2. I want to work with the bank to issue corporate credit cards for my employees. Does Vietcombank provide corporate credit card?
  3. Do supplementary cardholders need to show proof of income documents?
  4. How long is the validity of Vietcombank credit card?
  5. If my Vietcombank card is lost/stolen, what do I need to do?
  6. How can I register for auto debit payment?
  7. If I pay later than the payment due date, which fees/ interests do I need to pay?
  8. If at the payment due date, can I just pay the minimum required amount?
  9. 1. In case my saving account at Vietcombank is in foreign currency, can I use this account to pay for my credit card balance?
  10. When it comes to the payment due date, how can I make payment for my credit cards?
  11. Which fees will I be charged when withdrawing cash at ATMs with my credit card?
  12. How long is the interest free period set for credit card?
  13. How can I use the card securely and safely?
  14. Where can I find information about card related fees/ charges?
  15. 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?
  16. How does the bank determine credit limit for credit cardholder?
  17. How does the bank determine credit limit for credit cardholder?
  18. What is the PIN I receive together with my Vietcombank credit card used for?
  19. I do not have sufficient required proof of income documents but I still want to apply for Vietcombank credit card. What should I do?
  20. Which proof of income do I have to provide when apply for Vietcombank credit card?
  21. What are the difference between Vietcombank international credit cards in general and Vietcombank international co-brand credit card?
  22. What cobrand credit card products are Vietcombank issuing?
  23. What are the differences between credit card and debit card?
  24. Which credit card brands do Vietcombank is issuing now?