con mèo đen số mấy

Welcome gifts

Voucher VND 300,000 for healthcare,

Voucher VND 150,000 for supermarkets, restaurants...

Earn points to redeem VCB Rewards
Accumulate points for unlimited redemption: shopping, travel, banking fees, etc. on VCB Digibank
Up to 50 days of interest-free credit
Buy now - Pay later

Detailed Information

Card information

VCB Rewards points

Unlimited 2 bonus points for every VND 1.000 spent

  • x3 unlimited bonus points for overseas transactions
  • x10 bonus points, maximum 500.000 points/month for travel, accommodation, insurance transactions


  • Instantly receive a 300,000 VND health care voucher.
  • Instantly receive a 150,000 VND voucher for supermarkets, restaurants, cafes, and online payments.
  • Travel insurance up to 11.65 billion VND for both customers and customers' immediate family members.
  • Evergreen Benefits: e-vouchers for discounts or free gifts from card-accepting establishments.
  • Direct discounts and vouchers from con mèo đen số mấy and Visa card organisations
  • Dedicated toll-free hotline: 1800 1565.
  • Exclusive benefits for retail banking services. 

Financial optimisation

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

Convenient payment

  • 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: Apple Pay, Google Pay, Samsung Pay, etc.
  • Bill payments at ATMs.
  • Withdraw cash directly or via QR code at ATMs.
  • 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
  • Terms & conditions for credit cards

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 20th of each month
  • Payment due date: the 10th of the following month

User guide

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

Issuance fee


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.
  • Annual fee waived for the following year when card spending reaches VND 100 million or more.

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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