thống kê world cup

Trip insurance up to 23.3B VND
Get insurance for incidents and accidents during trips for cardholder and family members
Bonus Lotusmiles
Earn 01 bonus mile for every overseas spending of 18,000 VND and domestic spending for every 22,000 VND 
Up to 50 days interest-free credit
Buy now - Pay later

Usage limit
Card information

Earn miles

  • Accumulate Vietnam Airlines' Golden Lotus Miles for every customer's spending
    • Earn 1 mile for every 18,000 VND spent on international transactions and 22,000 VND spent on domestic transactions
    • Receive an additional 5,000 bonus miles when using the card for annual spending of 500 million VND or more
    • Get an extra 1,000 bonus miles upon card renewal


  • Become a Vietnam Airlines Golden Lotus Tier Titan member.
  • Receive a Priority Pass card with 2 free airport lounge visits per year.
  • Travel insurance coverage up to 23.3 billion VND for the cardholder and family members.
  • Toll-free dedicated hotline: 1800 1565.
  • Global medical and travel assistance services at +84 28 382 46795.
  • Direct discounts and vouchers from thống kê world cup and American Express® card organisations.
  • Exclusive benefits for retail banking services. 

Financial optimisation

  • Flexible installment payments, 0% interest installment plans.
  • Interest-free for up to 50 days.

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/mobile payment apps.
  • 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 every month
  • Payment due date: 21st 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 supplementary card 

Other fees

View details

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You might be interested

  • 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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