1. Card features and benefits
- Buy first-pay later, up to 45 days interest-free period.
- Flexible payment at all points of sales having Visa 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 Visa logo in Vietnam and worldwide.
- Exclusive offers from Vietcombank and Visa periodically.
- Keep track of transactions and manage spending easily with additional services such as VCB-iB@nking, VCB-Mobile B@nking, 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.
- Cashback feature: Attractive cashback at the rate of 0,5% of total spending volume. For detail T&C, please refer here. For the T&C of cashback program applied from 21/01/2021, please refer here.
- Golden birthday program: Exclusive birthday privilege for cardholder: receive 01 mil VND credit to card statement for cardholder. For more information, please refer here.
- Insurance benefits:
- For newly issued/ renewed cards/ renewals from 16/10/2019, cardholders will be entitled to insurance coverage up to 11.65 bil VND provided by PVI. For more details, please refer here.
- For newly issued/ renewed cards/ renewals from 16/10/2018 to 15/10/2019:
+ Cardholders will be entitled to insurance coverage up to 10.5 bil VND provided by Chubb Vietnam for 12 months from the newly issued/ renewal date. For more details, please refer here.
+ At the end of the insurance coverage provided by Chubb, PVI will be the provider with insurance coverage up to 11.65 bil VND. For more details, 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.
- Golf benefit: Discounted membership fee at some Golf clubs in Vietnam and over the world. For more details on list of Golf courses and booking guide in Vietnam, please contact Visa via Hotline + 84.08.38240578 or via email: email@example.com. For booking guide, please refer here. This service is provided by Visa and must follow Visa’s platform. For T&C of the program, please visit website https://www.visa.com.vn/vi_VN
- Card issuance benefits: Free first-year annual fee for 01 supplementary card; Free issuance fee of 01 VCB debit card; Free first-year annual fee when issuing 01 VCB international credit card (except platinum credit cards or equivalent).
-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).