bảng xếp hạng tbn

Insurance up to VND 23.3 billion
Get insurance for accidents during the trip for cardholders and family members
Unlimited Cashback

Unlimited 1.5% for overseas transactions,

0.5% for other transactions

Up to 50 days free-interest credit
Buy now - Pay later

Detailed Information

Benefits
Conditions
Card information
Fees

Cashback

  • 1.5% unlimited cashback for all overseas transactions.
  • 0.5% cashback for all other spending transactions.

Privileges

  • Travel insurance up to 23.3 billion VND for both customers and their family.
  • Direct discounts and vouchers from bảng xếp hạng tbn and American Express®.
  • Medical and Global Travel Assistance Service at (+84) 28 3824 6795.
  • Exclusive Concierge Service for bảng xếp hạng tbn Cashplus Platinum American Express® cardholders.
  • Dedicated toll-free hotline: 1800 1565.
  • Exclusive benefits for retail banking services. 

Financial optimisation

  • Flexible installment payments, 0% interest rate
  • Up to 50 days of interest-free

Convenient payment

  • Direct cash withdrawals or via QR code at ATMs.
  • Bill payments at ATMs.
  • Payment at card-accepting establishments: direct, contactless, or QR code.
  • Online payments: on websites or through VCB Digibank.
  • Payments via e-wallets.
  • Card activation, card opening/locking, inquiry, limit changes, and more... on VCB Digibank.

Requirements

  • Individual aged from 15 and above as prescribed by law. 
  • Foreign residents legally residing in Vietnam for 12 months or more. 

Issuance procedure

 To request issuance, please provide application forms, personal documents, and proof of financial capacity. 

Forms

  • Application form and contract 
  • Credit card conditions 

Card usage limit

  • Credit limit: from VND 70 million
  • Spending: 100% credit limit
  • Domestic withdrawal: 100% credit limit
  • Overseas withdrawal: VND 30 million/day

Card validity

5 years

Number of supplementary cards

Maximum 3 cards

Statement date

  • Statement date: the 1st of each month
  • Payment due date: the 21st of each month

User guide

Detailed guide on credit card payment, payment statement, usage notice.

Issuance fee

Free

Annual fee

  • Main card: VND 800.000/card/year 
  • Supplementary card: VND 500.000/card/year. First-year annual fee waived for 1 supplementary card.

Other fees

 Fees and interests details 

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FAQs

  • 1. I received a notification message during a credit card transaction saying it is a provisional available credit limit. Can you explain this to me?
    To assist customers with multiple credit cards at VCB, each with interconnected credit limits, VCB provides information on the available temporary credit limit that customers can use.

    For example, if a customer is assigned an overall credit limit of 100 million VND for credit card issuance, consisting of one Visa Platinum card with a limit of 100 million VND and one JCB Gold card with a limit of 70 million VND, and the customer has already spent 50 million VND on the Visa card, the available credit limit will be 50 million VND. If the customer continues to spend 5 million VND using the JCB card, the available credit limit will be 45 million VND (although the initial limit on the JCB card is 70 million VND, the customer has only utilized 5 million VND on this card).
  • 2. Why have my linked cards on the MOCA application been temporarily locked?
    To prevent potential fraudulent activities on your MOCA account for payments, MOCA will temporarily lock linked cards in the following cases:

    1. Changing your mobile phone.
    2. Entering the wrong user password five (5)times.

    In these cases, to re-verify the cards, you'll need to provide the card number and OTP sent to your registered phone. For assistance, contact the VCB/MOCA hotline. This ensures secure transactions through the MOCA app.
  • 3. I didn't receive the OTP to link my card. What should I do?

    In this case, you need to check the following points:

    -Ensure that the phone with the MOCA app is working properly and has an internet connection.
    -Check if you have registered for SMS Banking with VCB (Note: OTP will be sent to the phone number you registered to receive OTP from VCB).
    -Ensure that the phone with the registered SIM for receiving OTP is working properly.
    -If the issue persists, you can call the MOCA hotline (1900 6923) or VCB's hotline (1900 54 54 13) for further assistance.


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