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Vietcombank Visa Signature Card

26/10/2018 10:16 AM
Card features and benefits
  

The Vietcombank Visa Signature International Credit card is a card product exclusively for Vietcombank's Priority customers with outstanding features, offers and special policies applicable to high-end customer segments.

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 Visa logo, including contactless POS, online payment via Internet and mobile payment applications:  
    • MOCA mobile payment instruction
    • 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 (Visa Secure) 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:
  • Health and education transactions: Cashback 10% of transaction value;
  • Other spending transactions: Cashback 0.5% of transaction value
  • 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:
    • For medical and educational merchants: Maximum cashback value is 600,000 VND/month.
    • For other Merchants: No cap on maximum cashback value
  • 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 Visa Signature Card to pay for trips (including domestic and international trips), Cardholders and family members (spouses and dependent children) will get insurance coverfor 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.     Dining benefits: 

  • Cardholders are entitled to 50% discount on invoice value, up to 2 million VND/time when dining at restaurants in Hanoi and Ho Chi Minh city in the scope of the incentive (the list of fine dining restaurants were mentioned in attached Fine Dining Instruction).
  • The cardholders shall call to hotline (+84) 28 3824 0508 for booking and use the benefits.
  • The maximum bookings: 150 bookings/month for VCB Visa Signature Cardholders.
  • For more information, please refer Fine Dining Instruction (here).

5.     VIP lounges benefits 

  • Cardholders are entitled to free access to over 1,000 airport lounges worldwide with unlimited number of access.
  • No booking required and cardholders simply present their Visa Signature card when using the service.
  • Cardholder shall pay $32/accompany guest for participating LoungeKey program. This fee can be changed from time to time as Loungekey's policy.
  • Cardholders can refer to the detailed list of VIP lounges at airports worldwide here and this list can be updated from time to time at website https://www.loungekey.com/vietcombankvisasignature and LoungeKey application on mobile devices.
  • For more information, please refer to VIP Lounge Instruction (here).

6.      Golf benefits:

7.     Concierge Service:

  • Cardholder support service via VCB hotline +84.1900.54.54.13 or toll-free hotline for high-end customers: +84.1800. 1565
  • Concierge service by platform of Visa: support cardholders to book flight, hotel, restaurant, car rental, event ticket …. Details are updated at here 
  • Concierge mobile application: Visa supports the design and development of separate Concierge application for VCB - the first type of concierge application deployed in the market. The app details are updated at the concierge application Instruction (here).

8.     Other benefits

  • Benefits provided by Visa for Visa Signature Cardholders: updated at here
  • Promotions programs of VCB in each period is updated at http://www.vietcombank.com.vn.

9.     Card Services benefits

  • Free first-year annual fee for Vietcombank Priority Customer;
  • 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 confirmation for all international credit cards of cardholder;
  • Free credit limit change for all international credit cards of cardholder;
  • Free card reissue and replacement fee for all international credit cards of cardholder;
  • Free card termination fee.

10.   Benefit as Priority customer policy

Card usage limit and information

Card usage information

  • Card validity: maximum 5 years
  • Number of supplementary cards: notapplicable
  • Statement date: 20th of every month
  • Due date:  15th of every month (if the due date fall on a weekend or holiday, payment will be accepted without penalty until the next business days).

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 documents

Cardholders should complete required documents for card application including:

  • Vietcombank International Credit card application form for individual customer ;
  • Copy of ID card/passport (original documents should be presented for verification)
  • Copy of Passport, Visa and/or proof of valid residence in case Customer is foreigner (original documents should be presented for verification).
Issuance requirements


Customers are eligible for card issuance in accordance with the law and the State Bank of Vietnam's regulations:

  • 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)
  • In case of being a foreigner,  customers must be allowed to reside in Vietnam for a period of 12 months or more.

Customers are eligible to issue and use VCB's credit card in accordance with regulations in each period;

Customers meet VCB's criteria for Priority customers as specified from time to time.

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