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1900 54 54 13

Online Banking VCB - iB@nking


31/05/2019 01:23 PM
Card features and benefits

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. .

1.      Card features.

  • Initiative financial planning with "buy first-pay later" feature, up to 55 days interest-free period.
  • Convenient payment at all points of sales worldwide where showing the Mastercard logo, including contactless POS, online payment via Internet and mobile payment applications: 
    • MOCA mobile payment instruction here
    • Contactless payment instruction here
  • Flexible options for statement repayment at any Vietcombank's branches, auto debit of registered account, through VCB-iB@nking and Mobile Banking Service;
  • Keep track of transactions and manage spending easily with VCB-SMS B@nking Service,  VCB –iB@nking and Mobile Banking Service, and monthly statement;
  • Additional features such as change daily usage limit, temporarily lock/unlock card, enable/disable online payment function via VCB- iB@nking and Mobile Banking;
  • Card Security: comprehensive and highly-secured EMV contact and EMV contactless technology with international standard and authentication solution 3D-Secure (Mastercard Secure code) 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.

2.      Cashback program

  • The rate of cashback:
  • 5% of cardholder's sales spending at dining and travel overseas merchants (including regular merchants and online merchants);
  • 0,5% of cardholder's sales spending at other merchants.
  • Cashback period: Cardholders are reimbursed once every 3 months, the cashback amount is shown on the card statement.
  • Cashback amount policy
  • The minimum cashback amount: 100,000 VND. If it does not reach the minimum, the cashback value is accumulated in next month.
  • 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 - luggage, maximum VND 10,500,000 for laptops.
  • For more detailed information on insurance benefits, please refer here.

4.      Golf benefits:

  • Use the platform of Vietcombank Mastercard World  Cardholders, detail as follows:

    + 60% discount on green fees for the list of 7 golf courses in Vietnam. Please refer here

    + 50% discount on green fees for the list of 25 golf courses in tại Việt Nam, Singapore, Malaysia, Indonesia, Thailand, Philipines (max 4 times/customer/year). Please refer here

    + Time: on all days of the year (including weekends and holidays).

    + To use the service, Customer must make a reservation via the hotline phone number 028 3824 0517 or email address or website:

    + For other fees, cardholder pay on the goft course through Vietcombank Mastercard World
  • This promotion is subject to change according to the updated policy of the Mastercard.

5.      Concierge Service:

  • Cardholder support service via VCB hotline +84.1900.54.54.13 or toll-free hotline for high-end customers: +84.1800. 1565

6.      Other benefits

  • Benefits provided by Mastercard for Mastercard World: updated at

  • Promotions programs of VCB in each period is updated at
  • Benefits on card services:

    + Free first-year annual fee for 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 confirmation;

    + Free card reissue and replacement fee.
  • Benefits on retail banking services :

    + Free deposit account balance confirmation;

    + Free transfer money in Vietcombank system at the counter

    + Free SMS service;

+ Free Internet Banking service fee.

Card usage limit and information

1.          Card usage information

  • Card validity: maximum 05 years
  • Number of supplementary cards: 03 cards.
  • Statement date: 10th of every month
  • Due date:  05th of every month (if the due date fall on a weekend or holiday, payment will be accepted without penalty until the next business days).

2.       Card limit usage

  • Maximum daily cash withdrawal limit in Vietnam: full cash withdrawal limit (equivalent to 100% credit limit).
  • Maximum cash withdrawal limit per day outside Vietnam: equivalent to VND 30 million but not exceeding the cardholder's limit.
  • Maximum default spending limit per day: full limit (equivalent to 100% of credit limit).
Issuance procedure and requirements

​1.          Issuance Requirements

  • For Principle cardholder :
  • 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).
  • For Supplementary cardholder:
  • Having full civil act capacity as prescribed by law (for persons aged 18 or older), or
  • No loss or restriction of civil act capacity and and be agreed in writing by the legal representative of the person to use the credit card (for persons aged between 15 and under 18).
  • If the cardholder is a foreigner, he / she must be permitted to reside in Vietnam for a period of 12 months or more

2.       Issuance Documents

Cardholders should complete required documents for card application including:

  • 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)
  • Documents proving income (salary through bank statements, employment contracts; or settlement of tax / tax report for customer is individual business households, private enterprise...).
  • Documents proving guarantee ( in case of issuing guaranteed card)
  • Visa/Temporary residence certificate/Temporary residence card/Permanent residence card/Labor contract/Admission decision, or other valid documents showing that customer is allowed to reside in Vietnam with a term of 12 month or more for foreigners (original documents should be presented for verification)
  • Other documents required by Vietcombank (in case of issuing personal card authorized by the company).
The Vietcombank MasterCard World
Application Form