Card limit up to 1 bil VND

Up to 600 mil VND

Up to 1.2 bil VND

Up to 1.2 bil VND

Up to 200 mil VND

Up to 200 mil VND

Up to 600 mil VND

Up to 50 mil VND

Card limit up to 600 mil VND

Card limit up to 50 mil

The Unique & The First Business Card offers:

1% unlimited points or free annual fee for life-cycle

Allows payment via an account

Allows flexibility to change card feature options

Rewards and Cash back 24 mio points/year

Card design personalization

Accumulate Vietnam Airlines miles for all spending
Bonus 4.000 miles of LotuSmiles

Ugrade to Titan, Gold, Platinum class of Vietnam Airlines LotuSmiles membership

Foreign transaction fee: only 0%

Card design personalization

Up to 10X Reward Points for every transaction

Card design personalization

Cash back rewards up to 5% for online spending

Card design personalization

Up to 10% rewards on Education, Healthcare, Insurance

Waive 50% annual fee forever for both of two primary cards if opening at same time

Card design personalization

Cash withdrawal limit equals 100% of credit limit

Card design personalization

Up to 15% flexible rewards on customizable spending categories

Flexible card feature options

1% reward points for every purchase transaction

Card design personalization

1st year annual fee waiver (Preferential type 1) or card life-cycle annual fee waiver (Preferential type 2)

VND 899,000

VND 1,299,000

VND 1,299,000

VND 499,000

VND 599,000

VND 899,000

No annual fee

VND 999,000

No first year annual fee

Households/MSME/SME: 35.50%/year
Large Corporate: 30.00%/year

Up to 55 days interest-free credit
2.71%/month

Up to 55 days interest-free period
2.83%/month

Up to 55 days interest-free credit
2.33%/month

Up to 45 days interest-free credit
2.83%/month

Up to 55 days interest-free credit
3%/month

Up to 55 days interest-free credit
2.83%/month

Up to 45 days interest-free credit
2.54%/month

03 first statements: 2.96%/month
The next statements: 1.88% - 3.29%/month

Interest free up to 45 days
1.63% - 3.29%/per month

Choose one of the two exclusive offers: Unlimited 1% reward points / Lifetime annual fee waiver

Unlimited cash back, up to 3%
Earn unlimited cash back on progressive spends as follows:
0,1% cash back for spend up to VND 50 million
0,5% cash back for incremental spend from VND 50 million to VND 100 million
3% cash back for incremental spend from VND 100 million

Earn miles UNLIMITED for every spending
2 Miles = 25,000 VND spend at Vietnam Airlines
1.5 Miles = 25,000 VND overseas spend
1 Mile = 25,000 VND domestic spend

Earn miles for every spending
25,000 VND of domestic spending = 1 Mile
20,000 VND of international spending = 1 Mile
Bonus 1000 miles for every 100 million VND spending (maximum 5,000 miles/year), the redeem miles never expire

Up to 5X Rewards Points
1,000 VND = 1 point on all transactions
1,000 VND = 5 points on spending at Supermarket and Shopping Mall
Earn additional 5000  points on every accumulative spending of 10 million VND

Earn 20X reward points
20,000 VND = 20 points on transactions via Grab application
20,000 VND = 5 point on online transactions
20,000 VND = 1 point on other transactions

Bonus 100,000 Smile on Birthday of Cardholder's Child
Bonus 1,000 Scholarship worth VND 1,000,000 for 1.000 Cardholders who have childrens and belong to top spenders yearly
VND1,000 = 40 Smiles on Birthday/Valentine/Wedding Anniversary on Cards at 3rd year onward
VND1,000 = 30 Smiles on Birthday/Valentine/Wedding Anniversary on Cards at 2nd year
VND1,000 = 20 Smiles on Birthday/Valentine/Wedding Anniversary on Cards at 1st year
VND1,000= 20 Smiles on applicable categories such as entertainment for children, Healthcare/childcare services, education, weekend dining
VND1,000 = 20 Smile on Pru-Flexiedu premium payment yearly
VND1,000 = 10 Smile on Pru-Flexiedu premium half-yearly
VND1,000 = 5 smiles on all other transactions
Maximum accumulated Smiles: 1mil Smiles/day on
Birthday/Valentine/Wedding Anniversary. Unlimited accumulated points for other spending
Smiles are able to redeem into Daily Saving/Cash/eVoucher/Annual fee and transfer smile between linked Cards, no smiles expiry

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Up to 15% flexible rewards on customizable spending categories

- Earn reward points equal to 0.5% times (x) the purchase transaction amount
- Earn reward points equal to 0.5% times the amount to repayment the card outstanding of the purchase transaction

You can actively redeem the accumulated points into cash, e-voucher, annual fee via VIB Business/MyVIB Corp in less than 30 seconds

You can actively redeem the accumulated cash back into cash, annual fee via MyVIB in less than 30 seconds

Miles automatically redeem to your LotusSmiles membership account each monthly statement.

You can actively redeem accumulated reward miles into coupons, annual fees, cash and gifts via MyVIB in less than 30 seconds

You can actively redeem the accumulated reward points into coupons, annual fee, cash, gifts via MyVIB in less than 30 seconds

You can actively redeem accumulated reward miles into coupons, annual fees, cash and gifts via MyVIB in less than 30 seconds.

You can actively redeem accumulated reward into coupons, annual fees, cash and gifts via MyVIB in less than 30 seconds

You can actively redeem the accumulated points into cash, e-voucher, annual fee via MyVIB in less than 30 seconds

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