Các sản phẩm thẻ tín dụng ngân hàng VIB

VIB CREDIT CARD

VIB DEBIT CARD


VIB CREDIT CARD
World

VIB Travel Élite

Platinum

VIB Zero Interest Rate

VIB Cash Back

VIB Happy Drive

Gold

VIB Rewards Unlimited

Classic

VIB Financial Free


VIB DEBIT CARD
PLATINUM CLASS

CLASSIC CLASS

Offer

Offer

Information
VIB Platinum

Information

VIB Classic

AT A GLANCE

AT A GLANCE

Make online payment,

Make online payment,

purchase conveniently within Vietnam and

purchase conveniently within Vietnam and overseas

overseas
INTEREST RATE
INTEREST RATE

Enjoy interest rate applied for current account

Enjoy interest rate applied for current
account

ANNUAL FEE
0 VND

ANNUAL FEE
0 VND


VIB Zero Interest Rate
TRANSACTION LIMIT
Up to 600 mil VND

AT A GLANCE
Earn up to 500 liters of gasoline every year
30% cashback on car service fee

Offer

Information

ANNUAL FEE
899,000 VND 


VIB Happy Drive
TRANSACTION LIMIT

AT A GLANCE

ANNUAL FEE

Up to 600 mil VND

Earn up to 500 liters of gasoline every year

899,000 VND 

30% cashback on car service fee

Offer

Information


VIB Travel Élite

T
Ấ
H
N
T
Ố
T
Ẻ
H
T

Offer

Information

TRANSACTION LIMIT

AT A GLANCE

ANNUAL FEE

Up to 1,2 bil VND

Foreign transaction fee: only 1.75%

1,299,000 VND 


VIB Rewards Unlimited
TRANSACTION LIMIT
Up to 200 mil VND

Offer

Information

AT A GLANCE

ANNUAL FEE

Up to 5X Reward Points for every transaction

499,000 VND 


VIB Financial Free

Offer

Information

TRANSACTION LIMIT

AT A GLANCE

ANNUAL FEE

Up to 50 mil VND

Cash withdrawal limit equals 100% of credit limit

No annual fee


VIB Cashback
TRANSACTION LIMIT
Up to 600 mil VND

Offer

Information

AT A GLANCE

ANNUAL FEE

Cash back up to 6% for every transaction, equal of 12 million VND per year

899,000 VND 


VIB Zero Interest Rate information
1. Terms and conditions to open credit card
Income

Average income in nearest 3 months: VND 12 million

2. Annual fee & Issue fee
Issue fee

Annual fee

primary card

Free

supplementary card

Free

primary card

VND 699,000

supplementary card

VND 399,000

3. Interest and cash withdraw fee
Interest

2.5% / month

Cash withdraw fee

4% (minimum: VND 100,000)

4. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 100 million (domestic)
VND 30 million (oversea)(*)
VND 200 million / time
Within available credit limit/day

5. Payment due date
Payment due date

25 days after the statement date

6. Other fees
Processing fee
PIN reissue fee
Late payment fee

0.99%
Waive for first 3 statement cycles from issuing date
Free
4%/ amount due (minimum: VND120,000)
Applied on closing balance unpaid stated in Monthly Statement.

Card product change fee

VND 299,000

Card limit adjustment fee

VND 100,000


VIB Happy Drive infomation
1. Terms and conditions to open credit card
Income

Average income in nearest 3 months: VND 12 million

2. Annual fee & Issue fee
Issue fee

Annual fee

primary card

Free

supplementary card

Free

primary card

VND 899,000

supplementary card

VND 599,000

3. Interest and cash withdraw fee
Interest

2.5% / month

Cash withdraw fee

4% (minimum: VND 100,000)

4. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 100 million (domestic)
VND 30 million (oversea)(*)
VND 200 million / time
Within available credit limit/day

5. Payment due date
Payment due date

25 days after the statement date

6. Other fees
Card limit adjustment fee

VND 100,000

PIN reissue fee

Free

Late payment fee

4%/ amount due (minimum: VND120,000)
Applied on closing balance unpaid stated in Monthly Statement.

Card product change fee

VND 299,000

Card limit adjustment fee

VND 100,000


VIB Travel Élite information
1. Terms and conditions to open credit card
Income

Average income in nearest 3 months: VND 20 million

2. Annual fee & Issue fee
Issue fee

Annual fee

primary card

Free

supplementary card

Free

primary card

VND 1,299,000

supplementary card

VND 699,000

3. Interest and cash withdraw fee
Interest

2.33% / month

Cash withdraw fee

4% (minimum: VND 100,000)

4. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 200 million (domestic)
VND 30 million (oversea)(*)
VND 200 million / time
Within available credit limit/day

5. Payment due date
Payment due date

25 days after the statement date

6. Other fees
PIN reissue fee

Late payment fee

Free
4%/ amount due (minimum: VND120,000)
Applied on closing balance unpaid stated in Monthly Statement.

Card product change fee

VND 199,000

Card limit adjustment fee

VND 100,000


VIB Rewards Unlimited info
1. Terms and conditions to open credit card
Income

Average income in nearest 3 months: VND 10 million

2. Annual fee & Issue fee
Issue fee

Annual fee

primary card

Free

supplementary card

Free

primary card

VND 499,000

supplementary card

VND 299,000

3. Interest and cash withdraw fee
Interest

2.54% / month

Cash withdraw fee

4% (minimum: VND 100,000)

4. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 50 million (domestic)
VND 30 million (oversea)(*)
VND 200 million / time

Within available credit limit/day

5. Payment due date
Payment due date

15 days after the statement date

6. Other fees
PIN reissue fee
Late payment fee

50,000
4%/ amount due (minimum: VND120,000)
Applied on closing balance unpaid stated in Monthly Statement.

Card product change fee

VND 399,000

Card limit adjustment fee

VND 100,000


VIB Financial Free info
1. Terms and conditions to open credit card
Income

Average income in nearest 3 months: VND 7 million

2. Annual fee & Issue fee
Issue fee

primary card

Free

supplementary card

Free

primary card

Free for first year.
The following years: VND 299,000.

Annual fee
supplementary card

Free for first year.
The following years: VND 199,000.

3. Interest and cash withdraw fee
Interest
Cash withdraw fee

0% for first 3 statement cycles
3% per month afterwards
4% (minimum: VND 100,000)

4. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 25 million (domestic)
VND 25 million (oversea)(*)
VND 200 million / time
Within available credit limit/day

5. Payment due date
Payment due date

15 days after the statement date

6. Other fees
PIN reissue fee
Late payment fee

VND 50.000
4%/ amount due (minimum: VND120,000)
Applied on closing balance unpaid stated in Monthly Statement.

Card product change fee

VND 199,000

Card limit adjustment fee

VND 100,000

Phòng sản phẩm thẻ tín dụng


VIB Cashback information
1. Terms and conditions to open credit card
Income

Average income in nearest 3 months: VND 12 million

2. Annual fee & Issue fee
Issue fee

Annual fee

primary card

Free

supplementary card

Free

primary card

VND 699,000

supplementary card

VND 399,000

3. Interest and cash withdraw fee
Interest

2.5% / month

Cash withdraw fee

4% (minimum: VND 100,000)

4. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 100 million (domestic)
VND 30 million (oversea)(*)
VND 200 million / time
Within available credit limit/day

5. Payment due date
Payment due date

25 days after the statement date

6. Other fees
Processing fee
PIN reissue fee

Late payment fee

0.99%
Waive for first 3 statement cycles from issuing date
Free
4%/ amount due (minimum: VND120,000)
Applied on closing balance unpaid stated in Monthly Statement.

Card product change fee

VND 299,000

Card limit adjustment fee

VND 100,000


VIB Zero Interest Rate Offer
2. 0% interest rate lifetime

- For all purchase spending

3. Free processing fee

- for all purchase spending within first 3 cycles from issuance date.

5. Installment

- 0% Installment

VIB Happy Drive offer
1. Rewards points program

-

Earn 30 liters of gasoline for every 10 million VND accumulative spending Prudential premium payment via Bill Payment
function on MyVIB/ Internet Banking

-

2. 30% cashback of car service fee

Earn 5 liters of gasoline for every 10 million VND accumulative spending Maximum 500 liters per year
Cardholder contact DVKH 1800 8180 to redeem accumulated points

30% cashback of service fees at the Car Maintenance Center / Center (Service Product Catalog Code (MCC) 7531 or 7538).
Total maximum cashback amount: VND 2 million / year but not exceeding VND 500,000 / statement period.

3. 55 interest-free days

Enjoy 55 interest-free days for all retail transactions

4. Installment

0% Installment


VIB Travel Elite
1. 1.75% foreign transaction fee

- Enjoy your trip with excellent foreign transaction fee in market - only 1.75%.

2. Earn miles and redeem award

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•
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•

Earn 1 Mile for every 25,000 VND of domestic spending or
Earn 1 Mile for 20,000 VND of international spending.
Earn 5 Miles for every 25,000 VND of Prudential insurance transaction fee via Payment function on Internet Banking/ MyVIB application
Bonus 1.000 miles for every 400 million spending (maximum 5.000 miles/year)
The redeem Miles never expire
*Gifts: Flight ticket from the widest range of airlines.
Cashback into account
Fantastic gift reward
Annual fee waiver

3. Travel insurance offer

Travel insurance offer with insured value up to USD 500,000

4. MasterCard Airport Experiences

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•

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Access to over 1000 airport lounges in 120+ airports worldwide
Free use 4 times/year for primary card and 4 times/year each supplementary card
Discount up to 10% for shopping, dining and spa at outlets at the airport
Easy to use MasterCard Airport Experiences (MCAE) on mobile app to locate airport lounge and offers


VIB Rewards Unlimited
1. Earn 5X Reward Points

- Earn 1 Reward Point for every 1,000 VND spending.
- Earn 5X Reward Point for spending at Supermarket and Shopping Mall.
- Earn 20 Reward Point for spending 1.000 VND of payment fee transaction of Prudential on Internet Banking or MyVIB
- Bonus 5.000 miles for every 10 million VND accumulative spending.
The Reward Points have no limit in a billing cycle
Gifts: Flight ticket from the widest range of airlines.
Cashback into account
Fantastic gift reward
Annual fee waiver

2. 0% Installment

- 0% Installment


VIB Financial Free offer
1. Maximum cash withdrawal limit

Cash withdrawal limit equals 100% of credit limit

2. Waive annual fee for life

- Waive 1st year annual fee.
- Waive annual fee of 2nd year onward if having at least 1 transaction/month in the previous year.

3. 0% interest

- 0% interest for the first 3 statement cycles including all spending and cash withdrawal


VIB Cash Back offer
1. Cashback

Cashback on every daily spending:

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•
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6% cashback on Prudential premium payment via bill payment function on Internet Banking/ MyVIB application
6% cashback on Education, Medical
3% cashback on Dining, Cinema
0.3% cashback on Others
Maximum 1,000,000 VND/month

* The Cashback has no cash value until redeem successfully
You can actively redeem the accumulated cash back into cash, annual fee via MyVIB in less than 30 seconds

2. 55 interest-free days

Enjoy 55 interest-free days for all retail transaction

3. Installment

0% Installment


VIB Platinum Debit Card info
1. Annual fee & Issue fee
primary card

Free

supplementary card

Free

primary card

VND 249,000

supplementary card

VND 249,000

Issue fee

Annual fee

2. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 100,000,000 (domestic)
VND 30,000,000 (oversea)

VND 200 million / time
Within available credit limit/day

3. Fee
Cash withdrawal (VIB's ATM)

Cash withdrawal (Other banks' ATM)

Free
VND 10,000/time.
Free if the average card balance of the previous month is at least VND 5,000,000.

Administration fee applied for overseas transactions (non-VAT)

3%/ transaction amount (min: VND 10,000/time)

Card re-issuance/replacement/PIN re-issuance fee

Free

VIB Platinum Debit Card
1. Free cash withdrawal fee

-

At most of the local banks' ATM if average account balance of the previous month is at least 5 million VND

2. Cashback

•

Cashback 5% on purchases at supermarkets and restaurants on Saturday & Sunday
Cashback 0.25% on other purchases

3. Lifetime annual fee waiver

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•

Maximum cashback: 500,000 VND/month

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Free 1st year annual fee

Cashback condition: Minimum total spend of all categories is 3 million VND/month

2nd year: 249,000 VND. Free if making at least 12 retail transactions in the previous year


VIB Classic Debit Card info
1. Annual fee & Issue fee
primary card

Free

supplementary card

Free

primary card

VND 149,000

supplementary card

VND 149,000

Issue fee

Annual fee

2. Transaction limit/day

Cash withdrawal

Sale transaction at POS machine/ E-commerce

VND 30,000,000
(domestic & oversea)

VND 200 million / time
Within available credit limit/day

3. Fee
Cash withdrawal (VIB's ATM)

Cash withdrawal (Other banks' ATM)

Free
VND 3,300/time.
Free if the average card balance of the previous month is at least VND 5,000,000.

Administration fee applied for overseas transactions (non-VAT)

4%/ transaction amount (min: VND 10,000/time)

Card re-issuance/replacement/PIN re-issuance fee

Free


VIB VIB Classic Debit Card
1. Free cash withdrawal fee

-

At most of the local banks' ATM if average account balance of the previous month is at least 5 million VND

3. Lifetime annual fee waiver

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•

Free 1st year annual fee
2nd year: 149,000 VND. Free if making at least 12 retail transactions in the previous year (*)