Free annual fee and cashback up to VND 999,000 for new credit cardholders

1. Promotion: Annual fee waiver

Customers will receive a 1st-year annual fee refund if they meet the following conditions within 30 days of card activation and no later than 45 days from card issuance:

Minimum (≥) VND 3,000,000 for cards opened through for physical channel; or

Minimum (≥) VND 1,000,000 for:

• Cards opened through digital channels; or
• Cards that meet promotion conditions for special days
  • Double days: 01-02/01/2026, 02/02/2026, 03/03/2026; or
  • VIB Card Days: 20/01/2026, 20/02/2026, 20/03/2026; or
  • Cardholder's birthday (based on the birthday recorded in the VIB card system); or
  • Other days according to sales events communicated by VIB before the event.

Annual fee waiver for supplementary cardholders: Supplemental card issued successfully within 30 days from the date of primary card issuance. And supplementary card is activated within 30 days from the date of issue.

Annual Fee Waiver for Business Cardholders: Customers who spend at least VND 15,000,000 per card within 30 days from the activation date and no later than 45 days from the issuance date will be eligible.

The spending requirement is calculated separately for each primary and supplementary card, with no limit on the number of cards per customer.

2. Cashback up to VND 999,000 for new credit cardholders

Customers must make eligible purchases within 30 days from the card activation date and no later than 45 days from the card issuance date.

Eligible card products: VIB Premier Boundless, VIB Travel Élite, VIB Cash Back, VIB Online Plus 2in1, VIB Rewards Unlimited, VIB Family Link, VIB Financial Free.

• Cashback of VND 666,000 upon meeting the minimum spending requirement of VND 5,000,000
• Cashback of VND 888,000 upon meeting the minimum spending requirement of VND 8,000,000
• Cashback of VND 999,000 upon meeting the minimum spending requirement of VND 10,000,000

Note: The card must generate at least 6 eligible spending transactions within the specified period.

01/01/2026 - 31/12/2026

New credit cardholders

Terms and conditions here