• Credit cards

    Vietcombank Vietnam Airlines American Express®

    bonus miles
    On every purchase
    trip insurance
    Up to
    7 billion VND
    Apply now Add to compare
Trip insurance up to 7 billion VND
Get insurance for incidents and accidents during trips for cardholder and family members
Bonus miles for every payment
Earn 01 bonus mile per 23.000 VND spent overseas or 28.000 VND spent in domestic
Card service promotions
Free first year annual fee, credit limit adjustment fee, card re-issuance fee,...

Benefits
Usage limit
Information
Fees

Earn miles

  • Earn 1 Bong Sen Vang reward mile from Vietnam Airlines for every 23,000 VND spent internationally and 28,000 VND spent domestically
  • Details of bonus miles program, click here

Privileges

- Travel insurance of up to 7 billion VND for both cardholders and cardholders' immediate family members. 

- Direct discounts, vouchers from Vietcombank, and international card organizations like American Express® 

- Global medical and travel assistance service at +84 2838246795 

Financial optimisation

  • Flexible installment plans with 0% interest reate 
  • Interest free for up to 50 days 

Convenient payment

  • Cash withdrawal directly or via QR code at ATMs.
  • Bill payments at ATMs.
  • Payments at card-accepting establishments: direct, contactless (Contactless), or QR code.
  • Online payments on the website or VCB Digibank.
  • Payments through digital wallets.
  • Card activation, card opening/locking , inquiry, limit changes, etc…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
  • Card conditions.

Card usage limit

  • Credit limit: up to 300 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: 1st of every month
  • Payment due date: 21st of the following month

User guide

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

Issuance fee

Free

Annual fee

Main cards: 

  • 400,000 VND/card/year (Gold card)
  • 200,000 VND/card/year (Classic card) 

Supplementary cards: 

  • 200,000 VND/card/year (Gold card)
  • 100,000 VND/card/year (Classic card)
  • Free annual fee in the first year for the 1st supplementary card 

Other fees

Fees and interests details

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Latest promotions

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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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