Card limit up to 1 bil VND

Up to 600 mil VND

Up to 1.2 bil VND

Up to 1.2 bil VND

Up to 200 mil VND

Up to 200 mil VND

Up to 600 mil VND

Up to 50 mil VND

Card limit up to 600 mil VND

Card limit up to 50 mil

The Unique & The First Business Card offers:

1% unlimited points or free annual fee for life-cycle

Allows payment via an account

Allows flexibility to change card feature options

Rewards and Cash back 24 mio points/year

Card design personalization

Accumulate Vietnam Airlines miles for all spending
Bonus 4.000 miles of LotuSmiles

Ugrade to Titan, Gold, Platinum class of Vietnam Airlines LotuSmiles membership

Foreign transaction fee: only 0%

Card design personalization

Up to 10X Reward Points for every transaction

Card design personalization

Cash back rewards up to 5% for online spending

Card design personalization

Up to 10% rewards on Education, Healthcare, Insurance

Waive 50% annual fee forever for both of two primary cards if opening at same time

Card design personalization

Cash withdrawal limit equals 100% of credit limit

Card design personalization

Up to 15% flexible rewards on customizable spending categories

Flexible card feature options

1% reward points for every purchase transaction

Card design personalization

1st year annual fee waiver (Preferential type 1) or card life-cycle annual fee waiver (Preferential type 2)

VND 899,000

VND 1,299,000

VND 1,299,000

VND 499,000

VND 599,000

VND 899,000

No annual fee

VND 999,000

No first year annual fee

Up to 58 days interest-free credit

Up to 55 days interest-free credit

Up to 55 days interest-free period

Up to 55 days interest-free credit

Up to 45 days interest-free credit

Up to 55 days interest-free credit

Up to 55 days interest-free credit

Up to 45 days interest-free credit
0% for first 3 statement cycles

Up to 55 days interest-free credit

Interest free up to 45 days

Choose one of the two exclusive offers: Unlimited 1% reward points / Lifetime annual fee waiver

- Instantly earn 300,000 VND for Card on file transactions at online merchants
- Unlimited cash back rewards for all purchases, up to 10%
  + Program 1: 0,1% Cash back rewards and unlimited for all purchases
  + Program 2: Cash back rewards up to 10% (max 2 mio points/statement) depend on total spending tier and registered Merchant category group

Earn miles UNLIMITED for every spending
- 1 Mile = VND 15,000 spend at Vietnam Airlines
- 1 Mile = VND 25,000 overseas spend
- 1 Mile = VND 30,000 domestic spend

Earn miles for every spending
- Earn 1 Mile for 20.000 VNĐ spend at overseas via POS
- Earn 1 Mile for 50.000 VNĐ for other spend

- Earn 10X Reward Points
  + VND 1.000 = 10 points on spending at Shopping Mall and Duty Free via POS
  +VND 1.000 = 5 points on spending at Super market via POS
  + VND 1.000 = 1 point for other spend

- X2 total points for total spend from10 mio VND/statement

- Instantly earn 300,000 VND for Card on file transactions at online merchants

- Rewards and Cash back, up to 5%
  + 5% rewards and cash back for online overseas spend
  + 3% rewards and cash back for online domestic spend
  + 0.1% rewards and cash back for other spend
  + Rewards and cash back up to 600.000 points/ statement

- Get accumulated points up to 10% as spending on one of Category Groups as follows:
  + Education
  + Insurance
  + Healthcare

- Accumulated points rate based on Total spending in the previous statement period of the linked accounts:
  + Up to 50 million: 5%
  + From over VND 50 million to VND 100 million: 8%
  + Over VND 100 million: 10% 

- Get 0.1% accumulated points of remaining transaction not belong to the categories registered above

- Maximum Points/Statement: 1.000.000 Points and 500.000 Points/spending category

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- Get accumulated points according to the value of spending transactions in 1 of 6 groups of spending categories registered as follows:
  + Overseas transactions: 15%
  + Dining: 10%
  + Travelling: 10%
  + Shopping: 10%
  + Online transactions: 5%
- Get 0.1% accumulated points of remaining transaction not belong to the categories registered above
- Maximum Points/Statement: 1.000.000 Points and 500.000 Points/spending category

- Earn reward points equal to 0.5% times (x) the purchase transaction amount
- Earn reward points equal to 0.5% times the amount to repayment the card outstanding of the purchase transaction
- The maximum rewards points/statement period for Special Transactions: 500,000 points

You can actively redeem the accumulated points into cash, e-voucher, annual fee via VIB Business/MyVIB Corp in less than 30 seconds

You can actively redeem the accumulated cash back into cash, annual fee via MyVIB in less than 30 seconds

Miles automatically redeem to your LotusSmiles membership account each monthly statement.

You can actively redeem accumulated reward miles into coupons, annual fees, cash and gifts via MyVIB in less than 30 seconds

You can actively redeem the accumulated reward points into coupons, annual fee, cash, gifts via MyVIB in less than 30 seconds

You can actively redeem accumulated reward miles into coupons, annual fees, cash and gifts via MyVIB in less than 30 seconds.

You can actively redeem accumulated reward into coupons, annual fees, cash and gifts via MyVIB in less than 30 seconds

You can actively redeem the accumulated points into cash, e-voucher, annual fee via MyVIB in less than 30 seconds

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