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List Credit card
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Section2
- Up to 9% cashback
across 3 categories at once - 0% FX fees
for the first 3 months - 4 free lounge access
at 1,300+ lounges
- Credit limit
- Up to VND 2 billion
- Annual fee
- From VND 999,000
- 10% cashback
up to 18M VND/year - 4 plans
flexibility of choice - 5 categories
flexibility of choice
- Credit limit
- Up to VND 600 mil
- Annual fee
- Free
- Up to 10% rewards
on Education, Healthcare, Insurance - 50% lifetime annual fee waiver
for 2 primary cards opened together
- Credit limit
- Up to VND 600mil
- Annual fee
- VND 899,000
- 1% reward points
for every purchase transaction - Lifetime annual fee waiver
subject to eligibility
- Credit limit
- Up to VND 50 mil
- Annual fee
- Free
- The Unique & The First Business Card
1% unlimited points or free annual fee for life-cycle - Allows payment
via an account
- Credit limit
- Up to VND 1 bil
- Annual fee
- Free
- Accumulate Vietnam Airlines miles
for all spending - Bonus 4,000 miles
of LotuSmiles - Free upgrade
to Lotusmiles status
- Credit limit
- Up to VND 2 bil
- Annual fee
- VND 1,299,000
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List card - Thông tin khác - EN
Other information
3 Visa Awards in 2025
for Digital pioneer, Payment volume growth, Supply chain payment & Commercial card innovation
Best Credit Card Offerings 2025
Awarding by Global Business Outlook
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Section3
Explore more
Enjoy the overwhelming offers of VIB Credit card
Promotions
Text to 6089
Syntax:
VIB KHT <4 last digits of card number>
MyVIB app /
Internet Banking
Tab Manage cards on MyVIB app / Internet Banking to activate your card
24/7 Customer service
Call our hotline at 1800 8180 (free) to support
VIB Branches
Activate your card at 160 VIB branches in Vietnam
Transfer via MyVIB app
Step 1: Go to "Pay a bill" on left menu. Then, select "Pay off credit card"
Step 2: Go to "Menu", choose "Function" tab, then at "Payment" choose "Pay off credit card"
Pay at the branches / transaction offices
Pay off credit card at the network of more than 160 branches/ transaction offices of VIB nationwide
PIN code
PIN is used for cash advances and transaction inquiries at ATMs. It is essential to change your PIN at ATMs or in Internet Banking/MyVIB app
Mobile number
Mobile number is the key to protect your card. Please inform VIB immediately if you change your registered mobile number
Card information
Card number, Card due date and CVV number can be used for online purchases without the need of physical card. Please always keep your card under your control. Do not let other take the card photo or copy/steal your card information
Best credit card issuing bank in Vietnam 2018
The award was selected by Global Banking & Finance Review (GBAF). VIB is highly appreciated by safety card products, outstanding benefits, diverse features on the digital banking platform.
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faq
FAQs
How are credit card and debit card different?
- Credit Card: The bank approves a suitable credit limit for the cardholder to spend first and pay later. Upon receiving the monthly statement, the cardholder must pay on time to maintain a good credit history
- Debit Card: The cardholder needs to have available funds in the card to make transactions
How to upgrade credit card limit?
Credit card limit is the maximum amount which VIB approves for credit cardholders to spend. At VIB, credit card limit can be up to 2 billion VND. VIB credit cardholder can increase credit limit with 2 ways:
- Automatic increase credit card limit: VIB will approve credit limit automatically and send email to cardholder directly
- Send request to VIB: Cardholder can contact to Branches/ Transaction offices/ VIB hotline to request to increase a new credit limit & provide needed documents
Interest-Free period for VIB Credit Cards?
When owning a credit card, customers will have a 45-55 day interest-free period. This is the maximum period during which the bank does not charge interest on the customer spending. Customers should pay on time to avoid any fees or interest charges.
What are the conditions for opening a VIB Credit Card?
The conditions for opening a credit card online:
- Nationality: Vietnamese
- Address of residence/work: In provinces/cities with VIB Branches/Transaction Offices
- Age:
- Primary cardholder: 20 to 65 years old
- Supplementary cardholder: 15 years old and above
- Credit history: No bad debt in the last 2 years
- Other conditions: According to VIB's regulations
What benefits of VIB credit cardholder?
- Open a card online without income proof
- Up to 55 days interest-free, with a maximum credit limit of 2 billion VND
- Easy payments for all transactions
- Super convenient card management on the MyVIB app
- Earn points for rewards such as annual fee waivers, vouchers, cash, etc
- Enjoy unlimited offers from VIB and hundreds of reputable partners
