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Trip insurance up to 11.65 billion VND
Get insurance for accidents during trips for cardholder and family members
Cashback up to 7.2 million VND/year

5% cashback for transactions at restaurant/supermarket 

0.2% cashback for all other transactions

Up to 55 days interest-free credit
Buy now - Pay later

Card information


  •  Get cashback up to 600,000 VND per statement cycle:
  • 5% cashback, up to 300,000 VND per statement cycle, for spending at restaurants and supermarkets.
  • 0.2% cashback for other spending


  • Enjoy privileges such as airport lounge access, golf, and fine dining from JCB.
  • Travel insurance up to 11.65 billion VND for the cardholder and family members.
  • Toll-free dedicated hotline at 1800 1565.
  • Exclusive benefits for retail banking services. 


Convenient payment

  • Withdraw cash directly or using QR codes at ATMs.
  • Pay bills at ATMs.
  • Make payments at merchants, both in-person and using Contactless or QR codes.
  • Make online payments on websites or through VCB Digibank.
  • Use digital wallets for payments.
  • Activate cards, lock/unlock cards, reconcile statements, adjust credit limits and more..... on VCB Digibank.

Financial optimisation

  • Flexible installment plans with 0% interest.
  • Interest-free up to 55 days.


  • 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. 


  • Issuance request for International Credit Card along with Contract.
  • International Credit Card terms and conditions

Card usage limit

Credit limit: Starting from 70 million VND.

  • Spending: Up to 100% of the credit limit.
  • Domestic cash withdrawal: Up to 100% of the credit limit.
  • International cash withdrawal: 30 million VND per day

Card validity

5 years 

Number of supplementary cards

Maximum 3 supplemetary cards. 

Statement date

  • Statement date: 15th of every month 
  • Payment due date: 10th of the next month 

User guide

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

Issuance fee


Annual fee

  • Main card: 800.000 VND/card/year 
  • Supplementary card: 500.000 VND/card/year. Free annual fee for the first year 

Other fees

Fees and interests details 

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  • 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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