International credit cards

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

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…; 

​​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. 

​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. 

​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. ​​​​​​​

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

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

​

​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…

​​​​​​​​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.

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

​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).