1. Card features.
- The Vietcombank Mastercard World International Credit card is a card product exclusively for for high-end Vietcombank's customer segments with outstanding features, offers and especially the excellent cashback feature.
- Initiative financial planning with "buy first-pay later" feature, up to 55 days interest-free period.
- Flexible payment at all points of sales having Mastercard 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.
2. Cashback program
- Cashback rate:
- 5% of cardholder's overseas travelling and dining spending volume (including regular merchants and online merchants);
- 0,5% of cardholder's spending volume at other merchants.
- Cashback period: every 3 months, the cashback amount is shown on the card statement.
- Cashback amount policy:
- The minimum cashback amount: 100,000 VND/cashback period. If it does not reach the minimum threshold, the cashback value is accumulated in next period.
- The maximum cashback amount: Maximum cashback value is 800,000 VND/month.
- Ineligible transactions: Card activation, bank transfer, cash withdrawal (including but not limited to cash withdrawals at the counter, ATM or POS or cash withdrawals in any other form); gambling transactions; fee and interest transactions; transactions arising due to system problems; the transaction has been made but subsequently canceled, partially or wholly repaid; Transactions show signs of fraud, abuse of the program; electronic wallet top-up transaction.
- For the Terms and Conditions of Cashback Program, please refer here.
3. Insurance Benefit:
- By using Vietcombank Mastercard World to pay for trips (including domestic and international trips), Cardholders and family members (spouses and dependent children) will get insurance cover for your trip with the following benefits:
- Accident insurance up to 10.5 billion VND/person.
- Insurance for incidents arising during a specific trip:
- Cancellation of flight: VND 11,650,000.
- Delayed flight: maximum VND 9,000,000 (VND 750,000 per hour, up to 12 hours).
- Delayed baggage: maximum VND 9,000,000 (VND 750,000 per hour, up to 12 hours).
- Baggage loss: maximum VND 10,500,000 for each item/suitcase, maximum VND 10,500,000 for laptop.
- For detailed insurance schedule, please refer here.
Details of insurance policy as below:
* For cards issued/renewed from 01/04/2021 until the end of 31/03/2022:
- To be entitled to insurance coverage provided by PVI within 12 months since the date of issuance/renewal (01/04/2022 – 31/03/2023 correspondingly)
- Detail of PVI’ insurance policy here
* For cards issued/renewed from 01/04/2022 until the end of 31/03/2023:
- To be entitled to insurance coverage provided by MIC.
- Detail of the insurance policy here
* When PVI’s coverage term has expired, MIC will be the insurance provider.
4. Golf benefits:
- Follow the platform of Mastercard for World cardholders as follows:- 50% discount on green fees for the list of 28 golf courses in Vietnam, Singapore, Malaysia, Indonesia, Thailand, Philipines, China, Taiwan, South Korea (max 4 times/customer/year). Please refer here for list of participating golf courses.
- To use the service, customer must make a reservation via website: https:// mastercardseagolf.apexlynx.net..
- Time: on all days of the year (including weekends and holidays).
- For other fees, cardholder pay at the golf course using Vietcombank Mastercard World.
- For more details about the offer and T&C of the program, please visit https://specials.priceless.com/en-ap/offers/Mastercard_Southeast_Asia_Golf_%E2%80%93_World?Oid=201812110003&issuerId=&productId=
- This promotion is subject to change according to the updated policy of the Mastercard.5. Concierge Service:
- Customer service center via VCB hotline +84.1900.54.54.13 or toll-free hotline for high-end customers: +84.1800.1565.
6. Other benefits
7. Benefits on card services
- Free first-year annual fee for 01 supplementary card;
- Free issuance fee of 01 debit Card of Vietcombank;
- Free first-year annual fee when issuing 01 international credit card of Vietcombank brand (except platinum international credit cards or equivalent);
- Free credit limit change;
- Free credit limit verification;
- Free card reissuance and replacement fee
8. 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).