Disburse your loan, receive instant cash rewards

From October 1, 2025 to December 31, 2025, individual customers (customer) who successfully apply for and disburse a loan at VIB will receive a cashback of up to VND 5,000,000, which will be credited directly to their VIB credit card.

1. Promotion Details

Promotion 1: Cash reward for mortgage loan

• Get up to VND 5,000,000 cashback when disbursing a loan for purchasing, constructing, or renovating a house with collateral being a real estate property that has a valid Certificate of Ownership. 
• Offer amount: 0.15% x the amount on the first promissory note disbursed during the promotion period, up to VND 5,000,000.

Promotion 2: Cash reward for new car loan

• Get up to VND 2,000,000 cashback when disbursing a new car loan.
• Offer amount: 0.25% x the amount on the first promissory note disbursed during the promotion period, up to VND 2,000,000.

2. Reward determination time

• Phase 1: Disbursement from October 1, 2025, to October 31, 2025. Reward determination date: November 15, 2025.
• Phase 2: Disbursement from November 1, 2025, to November 30, 2025. Reward determination date: December 15, 2025.
• Phase 3: Disbursement from December 1, 2025, to December 31, 2025. Reward determination date: January 15, 2026.

Reward payment period: VIB will process the reward payment to the customer within 15 working days from the date of the cashback notification.

3. How to get cashback

For customers who do not have a VIB Credit Card:

• Customers register for the issuance of a primary card and the card must be issued before the reward payment time.
• VIB will credit the reward directly to the VIB credit card after the card is activated.

For customers who already have an active VIB Credit Card:

• VIB will credit the reward to the current VIB credit card.
• If the customer has multiple cards, VIB will credit the reward to the primary card with the highest limit, or the most recently issued card if the limits are equal.

01/10/2025 - 31/12/2025

Individual lending customer of VIB

Customers who sign a Credit Agreement and successfully disburse the first promissory note during the promotion period, belonging to one of the two following groups:

Group 1:
Customers who register for a loan via the VIB website and successfully disburse the loan during the program period, details:

• Register for a mortgage: here
• Register for a car loan: here 

Group 2:

• Are primary cardholders of an active VIB credit card;
• The card was issued at VIB branches in Ho Chi Minh City or Hanoi;
• Do not have any outstanding secured loan balance at VIB as of August 31, 2025;
• Have a VIB credit rating score that meets the requirements.

General Notes:

• Customers must be Vietnamese and/or foreigners who meet VIB's loan eligibility requirements.
• The loan under the Credit Agreement and promissory note must not be a case where a commission is paid to collaborators under cooperation programs/agreements between VIB and partners during each period.

Learn more at here.