No annual fee for new credit cardholders if reaching valid cumulated spending within 30 days from card issued date as below: • No annual fee for 1st year if the total valid accumulated spending is from VND 5 Mil (*)• No annual fee for 2 first years if the total valid accumulated spending is from VND 30 Mil• No annual fee for whole life if the total valid accumulated spending is from VND 60 MilRegister via SMS: VIB DK Q3 send to 6089 (VND 1.000)• (*) No annual fee for 1st year by cashback.