Up to 30% Cashback, Earn up to VND 3 Million

1. Offer 1: Get up to VND 3 million cashback

The program includes 2 phases (equivalent to 2 months from the date of successful registration). Each customer will be placed into a specific group and receive a personalized spending benchmark and cashback rate, sent via the official Invitation to Join from VIB for each phase.

• Phase 1:
  • Spending period: From the 1st to the last day of the month in which you successfully register.
  • Customers who spend above their Spending Benchmark 1 will receive cashback on the extra amount:
    • Group 1 - Group 5: 10% cashback, up to VND 500,000 - 1,000,000
    • Group 6 - Group 7: 30% cashback, up to VND 300,000 - 400,000
• Phase 2:
  • Spending period: From the 1st to the last day of the month following your successful registration month.
  • Customers who achieve Spending Benchmark 1 in Phase 1 will continue to Phase 2, and receive cashback based on their Spending Benchmark 2:
    • Group 1 - Group 5: 20% cashback, up to VND 700,000 - 2,000,000
    • Group 6 - Group 7: 30% cashback, up to VND 500,000 - 600,000
  • Customers who do not meet the benchmark in Phase 1 will return to the Phase 1 cashback tier in Phase 2, meaning they will not be eligible for the higher reward level of Phase 2.

2. Offer 2: Win VND 5 million cashback - Top 10 spenders

Eligibility Criteria:

• Spend at least the “Spending Benchmark” during the Participation Period (or a minimum of VND 10 million if the Spending Benchmark is less than that);
• Have the highest number of eligible transactions across at least two different MCCs
  • Reward Value: VND 5,000,000 cashback per customer for the entire program
  • Quantity: 10 winners per period, 40 winners in total for the entire program

3. Notes:

• Customers are eligible to participate in both Offer 1 and Offer 2 simultaneously.
• For Offer 2, each customer can win only once during the entire promotion.
• Customer group, spending benchmark, and cashback rate will be personalized and sent via VIB’s official Invitation to Join for each phase.
• How to register:
  • Send a text message “VIB CT 05” to 6089 (VND 1,000/message) or;
  • Click “Register Now” in the invitation email sent by VIB

July 1, 2025 – September 15, 2025 (This is the registration period only and does not include the spending period)

All VIB credit cardholders who have been issued their card for a minimum of 3 months.

Terms and conditions here