li xi88

Up to 55 days interest-free
Buy now - Pay later
Cash back rate up to 9.6 million VND/year
 5% cash back on overseas spending, 
 0.5% cash back on other transactions
Trip insurance up to 11.65 billion VND
Get insurance for incidents and accidents during trips for cardholder and family members

Detailed Information

Card information


Cashback up to 800,000 VND per billing cycle:

  • 5% cashback on dining and travel expenses abroad.
  • 0.5% cashback for all other transactions.


  • Travel insurance up to 11.65 billion VND for both customers and customers' immediate family.
  • 50% discount on greens fees at top golf courses in Asia.
  • Direct discounts and vouchers from li xi88 and Mastercard.
  • Toll-free dedicated hotline: 1800 1565.
  • Exclusive benefits for retail banking services.

Financial optimisation

  • Proactive installment, 0% interest
  • Up to 55 days 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.



  • 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. 


  • Application form and contract 
  • Card conditions.

Card usage limit

  • Credit limit: from 70 million VND
  • Spending: 100% credit limit
  • Domestic withdrawal: 50% credit limit
  • International withdrawal: 30 million VND/day

Card validity

5 years 

Number of supplementary cards

 Maximum 3 cards  

Statement date

  • Statement date: 10th of every month
  • Payment due date: 5th of the following 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 in the first year for the 1st card 

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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