​In order to provide customer information about the limit that can be used in case the customer has many VCB credit cards and these cards have a connection limit, VCB sends information to the customer about the available limit which calculated as the remaining limit that customers can use

Example: Customers are granted a limit of VND 100 million by VCB to issue credit cards, including 01 Visa Platinum card with a limit of 100 million VND and 01 JCB gold card with a limit of 70 million VND. Customer has spent 50 million VND Visa card à available limit is 50 million VND. When Customer continues to spend with JCB card 5 million VND à  available limit is 45 million (although JCB card has an initial limit of 75 million and new customer uses 5 million on this card).

​No. The card reader and the card must be near each other (less than 4 cm), besides, the card must be placed in the right place for a few seconds for a transaction to be completed.​​​​​​​

• ​Yes. Contactless card using advanced chip technology which is safe for cardholders. Besides, since you do not need to give your card to cashier when making payment but just tapping your card, your card is always with you and your card information are secured.
  
• To make payment, your contactless card should be placed near card reader (less than 4 cm) and should be place at the right place on the card reader.

You should put your card maximum 4 cm away from the card reader to make payment. It is recommended that you should put the card directly on contactless symbol for few seconds until transaction was completed.​​​​​​​​

​Yes, you can use contactless card at merchants that do not accept contactless payment by swiping the card or inserting the card as usual.​​​​​​​

• You can pay at any merchants having contactless symbol by tapping your card. These merchants are usually fast food chains, supermarkets, convenient stores, cafe, petrol station, pharmacies…
  
• ​​​​​​​Currently, there’re VCB’s merchants accepted contactless payment including CGV, Starbuck, Highlands, Vinmart, BigC​... ​

• ​You should protect your contactless card similarly to how you keep other cards.
• Please be ensure to keep it under your control and in a safe place.
• Do not put the card near contactless device
• Do necessary things to prevent unwanted transactions occurred when the contactless card still in the card holder.
  
• Keep checking transaction notifications from bank, inform the bank via Hotline 24/7 or contact branch/transaction office in case there’s unwanted transaction.

• ​To make it simple and convenient, merchants accepted contactless card do not request cardholder to sign/enter PIN for small transactions (less than 1 mil VND¹). However, to protect customers, all transaction valued from 1 mil VND will be required to enter PIN.
  
• This limit may change from time to time according to the regulations of the State Bank, International Card Organizations, Card Switching Organizations and / or Banks.

​​​​​​​Contactless card brings in many benefits:

• Faster payment compared to cash payment or using contact card which requires you to provide the card to cashier.
• For small value transaction, you do not need to sign/enter PIN, you just need to tap your card to make payment.
• The card is under your control since it’s always in your hands.
• You can keep the payment invoice, which is more efficient than using cash.

Convenient to use at café, fast food chains, petrol and many other places since you can pay faster than using cash.​

If your card is contactless card, you can find contactless symbol  on the front of the card.​​​​​​​​

Contactless card using advanced chip technology which brings in convenience and simplicity for customers when making payment. To make contactless transactions, you just need to tap your card or wave it over the contactless symbol of the card reader. You don’t need to enter PIN/sign for small value transactions.​​​​​​​​

​Chip card is also called "smart card". This type of card has a chip attached on the card surface and this is the visible 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.​​​​​​​

​Due to card feature exclusively for business expenses, the Vietcombank Corporate Cards can not be provided with supplementary cards.​​​​​​​

​Yes, currenty, Vietcombank issued 2 corporate credit card products including Vietcombank Visa Corporate and thẻ Vietcombank American Express® Corporate, of which, 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.​​​​​​​

​The Bank does not require proof of income documents from the Supplementary cardholder because it is issued under the account of primary 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.​​​​​​​

• ​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.

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 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.​​​​​​​

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.​​​​​​​

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.​​​​​​​​

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.

• 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. ​

• ​​​​​​​​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 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.​

​​​​​​​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.

​

​​​​​​​​Yes if your overall credit limit is still not fully utilized or you can provide documents proving your ability to cover your submitted card credit limit (income or collaterals). If you want to increase your credit limit, you can send your credit card change request and the bank will respond promptly whether your request is accepted. 

​The procedure depends on many factors and follows our Credit Scoring regulations. For more details, please contact our nearest branches/transaction office. ​​​​​​​

​​​​​​​Your PIN provided by the Bank together with your credit card will be used in the case you want to withdraw cash at ATMs, therefore it should be kept secured. Your PIN is fixed and unchangeable.

​

​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: collateral for card issuance guaranteed:

    + Documents required:

• • Contract of pledge (original copy).
  • Document evidence for collateral as specified by the bank.​​​​​​​
    

+ Type of 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... 

​+ If you are working at organizations/corporates 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 one of following options:
  • Option 1: Bank statement showing your salary for at least 3 recent months (original copy with bank's seal) and Labour contract/Decision of position/Decision for salary raise/Decision of recruitment (copy).
  • Option 2: Letter of confirmation from employer (original copy, with seal of authorised representative) using bank's template.
  • 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 copy of tax report of recent 3 months, copy of Business registration certificate.

+ If you are self-employed, small business owner: you are required to provide copy of tax report of the last 1 year.

​You should prepare following 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: income proof, employment position (original document or copy depending on the type of document and customer group) and/or certification of collateral documents (original document) and/or letter of guarantee (original document)...
• 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 (Visa/ Temporary residence certificate/ Temporary residence card/ Residence card/ Labour contract/ Employment decision or other 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 showing that the remaining residence period in Vietnam of customer is at least equal to card validity + 40 days (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).

​Apart from basic features of credit card, Vietcombank international co-branded credit cards also offers special benefits provided by Vietcombank and partners. ​​​​​​​

​​​​​​​​Currently, Vietcombank has issued following cobranded credit card products:

• Vietcombank Vietnam Airlines American Express card: 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.  
• Vietcombank Vietravel Visa card: is a co-brand card between Vietcombank and Vietravel. Cardholders enjoy benefits from both Vietcombank and Vietravel.
• Saigon Centre – Takashimaya – Vietcombank Visa card: is a co-brand card of Vietcombank and Saigon Center – Takashimaya. Cardholders enjoy benefits from both Vietcombank and Saigon Center – Takashimaya.

​Definition

• ​Credit card: having the feature of “spend first, pay later” within the fixed limit that the bank approved for cardholder; with interest-free period of 45 to 55 days depending on products.
• Debit card: the card is linked 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. ​
  

​​​​​​​​​Features

+ Credit card:

• Finance initiatives: spend first, pay later, interest free period of 45 to 55 days (depending on credit card product)
• Convenient payment and spending: at merchants or via Internet.
• Eligible for 0% interest instalment program.
• Eligible for exclusive offers and cashback/mileage program.
  

+ 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 at ATM, POS, via Internet and mobile applications.
• Various added value services:
  

       - Fast and convenient bank transfer within Vietcombank system and interbank.

       - Bill payment for electricity bills, telecommunication fee, flight tickets, phone service fee, insurance premium..., mobile top-up, game card top-up…

​​​​​​​Vietcombank is card issuer of best-known card brands including:

• American Express®
• Visa
• Mastercard
• JCB
• UnionPay 
  

​

​In that case, you can contact VCB Customer Contact Center Hotline 24/7 (hotline number printed on the back of your card) or visit any branch/transaction office for support. ​​​​​​​

​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. 

​​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. 

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. ​

​​Features

• 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…; 

• American Express®
• Visa
• MasterCard
• JCB
• UnionPay