Vietcombank Mastercard World international credit card

31/05/2019 01:23 PM

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: - 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).

Card information

  • Card validity: 05 years
  • Number of supplementary cards: 03 cards.
  • Statement date: 10th of every month
  • Proposed payment date:  05th 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

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 Mastercard World international credit card
Vietcombank Mastercard World international credit card