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Thẻ tín dụng quốc tế (credit card) Tính năng sản phẩm, hạn mức tín dụng, hạn mức giao dịch, hạn mức rút tiền mặt, ưu đãi sản phẩm, lãi suất, biểu phí, chương trình khuyến mại thẻ tín dụng VIB Thẻ ghi nợ quốc tế (debit card): hạn mức giao dịch, biểu phí, ưu đãi sản phẩm
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 VND ANNUAL FEE 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 Terms and conditions to open credit card Income Average income in nearest months: VND 12 million Annual fee & Issue fee Issue fee Annual fee primary card Free supplementary card Free primary card VND 699,000 supplementary card VND 399,000 Interest and cash withdraw fee Interest 2.5% / month Cash withdraw fee 4% (minimum: VND 100,000) 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 Payment due date Payment due date 25 days after the statement date Other fees Processing fee PIN reissue fee Late payment fee 0.99% Waive for first 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 Terms and conditions to open credit card Income Average income in nearest months: VND 12 million Annual fee & Issue fee Issue fee Annual fee primary card Free supplementary card Free primary card VND 899,000 supplementary card VND 599,000 Interest and cash withdraw fee Interest 2.5% / month Cash withdraw fee 4% (minimum: VND 100,000) 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 Payment due date Payment due date 25 days after the statement date 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 Terms and conditions to open credit card Income Average income in nearest months: VND 20 million 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 Interest and cash withdraw fee Interest 2.33% / month Cash withdraw fee 4% (minimum: VND 100,000) 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 Payment due date Payment due date 25 days after the statement date 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 Terms and conditions to open credit card Income Average income in nearest months: VND 10 million Annual fee & Issue fee Issue fee Annual fee primary card Free supplementary card Free primary card VND 499,000 supplementary card VND 299,000 Interest and cash withdraw fee Interest 2.54% / month Cash withdraw fee 4% (minimum: VND 100,000) 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 Payment due date Payment due date 15 days after the statement date 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 Terms and conditions to open credit card Income Average income in nearest months: VND million 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 Interest and cash withdraw fee Interest Cash withdraw fee 0% for first statement cycles 3% per month afterwards 4% (minimum: VND 100,000) 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 Payment due date Payment due date 15 days after the statement date 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 CreditCard_Acq@vpbank.com.vn VIB Cashback information Terms and conditions to open credit card Income Average income in nearest months: VND 12 million Annual fee & Issue fee Issue fee Annual fee primary card Free supplementary card Free primary card VND 699,000 supplementary card VND 399,000 Interest and cash withdraw fee Interest 2.5% / month Cash withdraw fee 4% (minimum: VND 100,000) 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 Payment due date Payment due date 25 days after the statement date Other fees Processing fee PIN reissue fee Late payment fee 0.99% Waive for first 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 0% interest rate lifetime - For all purchase spending Free processing fee - for all purchase spending within first cycles from issuance date Installment - 0% Installment VIB Happy Drive offer 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 - 30% cashback of car service fee Earn 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 million / year but not exceeding VND 500,000 / statement period 55 interest-free days Enjoy 55 interest-free days for all retail transactions Installment 0% Installment VIB Travel Elite 1.75% foreign transaction fee - Enjoy your trip with excellent foreign transaction fee in market - only 1.75% Earn miles and redeem award • • • • • Earn Mile for every 25,000 VND of domestic spending or Earn Mile for 20,000 VND of international spending Earn 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 Travel insurance offer Travel insurance offer with insured value up to USD 500,000 MasterCard Airport Experiences • • • • Access to over 1000 airport lounges in 120+ airports worldwide Free use times/year for primary card and 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 Earn 5X Reward Points - Earn 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 0% Installment - 0% Installment VIB Financial Free offer Maximum cash withdrawal limit Cash withdrawal limit equals 100% of credit limit Waive annual fee for life - Waive 1st year annual fee - Waive annual fee of 2nd year onward if having at least transaction/month in the previous year 0% interest - 0% interest for the first statement cycles including all spending and cash withdrawal VIB Cash Back offer Cashback Cashback on every daily spending: • • • • • 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 55 interest-free days Enjoy 55 interest-free days for all retail transaction Installment 0% Installment VIB Platinum Debit Card info Annual fee & Issue fee primary card Free supplementary card Free primary card VND 249,000 supplementary card VND 249,000 Issue fee Annual fee 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 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 Free cash withdrawal fee - At most of the local banks' ATM if average account balance of the previous month is at least million VND Cashback • Cashback 5% on purchases at supermarkets and restaurants on Saturday & Sunday Cashback 0.25% on other purchases Lifetime annual fee waiver • • Maximum cashback: 500,000 VND/month • • Free 1st year annual fee Cashback condition: Minimum total spend of all categories is 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 Annual fee & Issue fee primary card Free supplementary card Free primary card VND 149,000 supplementary card VND 149,000 Issue fee Annual fee 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 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 Free cash withdrawal fee - At most of the local banks' ATM if average account balance of the previous month is at least million VND Lifetime annual fee waiver • • Free 1st year annual fee 2nd year: 149,000 VND Free if making at least 12 retail transactions in the previous year (*) .. .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... 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... amount due (minimum: VND120,000) Applied on closing balance unpaid stated in Monthly Statement Card product change fee VND 19 9,000 Card limit adjustment fee VND 10 0,000 VIB Rewards Unlimited info