TPBank Visa Gold is a popular international credit card issued by Tien Phong Commercial Joint Stock Bank (TPBank) in Vietnam.
According to TPBank’s official materials, the card is designed for everyday spending, travel, dining, and lifestyle needs.
The bank highlights that users may earn up to 7.2 million VND in cashback annually, making it one of TPBank’s key cashback-focused Visa cards.
Overview of TPBank and the Visa Gold Card
TPBank is a private Vietnamese bank known for its strong digital-first strategy, offering mobile-first financial services and a wide range of credit cards.
Among these, TPBank Visa Gold is positioned as a cashback card, aimed at customers who want rewards for regular spending.
The bank promotes features such as cashback on weekend dining, a small cashback percentage for general purchases.
Annual cashback caps that reach several million Vietnamese dong are possible.
Key Features and Benefits
Visa Gold is consistently advertised as a card with cashback rewards, including up to 7.2 million VND cashback per year.
Also, cashback for weekend dining and food spending, and 0.2% cashback on other eligible transactions.
You get up to 55 days of interest-free credit when the full balance is paid on time.
Cardholders also gain access to mobile banking, card control features, spending insights, e-billing, and easy repayment options.
Eligibility and Required Documents
Although TPBank may adjust criteria over time, typical requirements for TPBank credit cards (including Visa Gold) generally include:
- Age requirement: 18 to 59 years old
- Vietnamese citizenship or legal residency
- Stable job with verifiable income
- Recommended minimum monthly income of around 5 million VND or higher
- Proof of at least one year of employment
- Commonly requested documents include:
- Citizen ID card or passport
- Employment contract or employer verification
- Salary statements or bank statements
- Proof of residence
These requirements may vary depending on the bank’s credit policy.
How to Apply for TPBank Visa Gold
Digital applications are often processed more quickly because document verification can be done electronically.
1. Apply via TPBank Mobile App
Download TPBank Mobile from the App Store or Google Play and register or log in to your TPBank account.
Navigate to Credit Cards and select TPBank Visa Gold. Fill out the online form with personal and employment information.
Upload required documents, such as ID and proof of income. Submit the application and wait for a decision via SMS, app notification, or email.
2. Apply at a TPBank Branch
Visit any TPBank branch or transaction office and request the credit card application form for TPBank Visa Gold.
Provide your identification and income documents, and fill in and sign the application. The bank will review and process your request.
Staff can help explain card benefits, requirements, and fees during the visit.
Fees and Interest Rates
Because fees and interest rates are updated periodically, applicants should refer to TPBank’s latest document for the most current figures.
TPBank provides a regularly updated Fees and Charges Leaflet for all credit cards, including Visa Gold.
As a reference point, TPBank publishes its base lending and deposit rates for individuals on its own news page.
As of 25 October 2024, TPBank reported a highest savings rate of 5.7% per year for certain 36-month deposits.
Comparison: TPBank Visa Gold vs Other TPBank Cards
Visa Gold is a solid middle-ground option: more benefits than a basic card, without the high cost or strict requirements of premium cards.
It’s a good fit if you spend moderately, want cashback, and plan to use the card regularly for dining, shopping or everyday expenses.
| Card (Tier) | Typical Credit Limit* | Main Benefits | Fees / Annual Fee / Highlights |
|---|---|---|---|
| TPBank Visa Gold | ~ 45 – 300 million VND | – Cashback on spending (e.g. restaurants / weekend dining) – 0% installment payment option (on eligible purchases) – Full digital management via TPBank Mobile – Good entry-level card for regular spending and everyday use |
Often no issuance fee (free) for Gold-tier; annual fee may be waived or modest compared with higher tiers. |
| TPBank Visa Classic (Standard) | Lowest tier (entry) | – Earn loyalty / reward points on transactions – 0% installment payment – Typically lower barrier to entry (less strict income requirements) – Useful for modest spending and first-time users |
First-year annual fee may be waived; lower fees relative to higher-tier cards. |
| TPBank Visa Platinum | Higher limit: up to ~1 billion VND (or large limit within high range) | – Premium-level perks: higher cashback / rewards, broader privileges – 0% installment payment, good for larger purchases – More offers, more benefits (especially for frequent spenders or premium customers) |
Issuance fee (or annual fee) is higher: e.g. Platinum card issuance has a cost (per public fee schedule) vs Gold/Classic free issuance. |
| TPBank Visa Signature (Premium / High-end) | Highest credit limit — e.g. 200 million to 2 billion VND (for eligible holders) | – Top-tier perks: unlimited cashback or very generous rewards, premium travel benefits (e.g. airport lounge access), global travel insurance, privileges for frequent travelers or high spenders – Best for travel, luxury spending, and frequent large purchases |
Highest issuance/annual fees (for metal or premium versions), and meant for people with high income/credit profile. |
TPBank Contact Information
For inquiries, assistance with the application, or confirmation of interest rates and fees, TPBank provides the following official contact details:
Customer Service Hotlines
1900 58 58 85 (within Vietnam)
(84 24) 37 683 683 (Hanoi fixed line)
Head Office Address
Tien Phong Commercial Joint Stock Bank (TPBank)
TPBank Building
57 Ly Thuong Kiet Street
Tran Hung Dao Ward
Hoan Kiem District, Hanoi, Vietnam
Customers may also visit any TPBank branch or transaction office for in-person support.
Conclusion
TPBank Visa Gold is a versatile cashback credit card suitable for everyday spending, offering attractive annual cashback potential.
With both online and in-person application options, it provides flexibility for different types of applicants.
Before applying, customers should review the latest fees and interest rates and ensure they meet TPBank’s income and documentation requirements.
Disclaimer: This article is for informational purposes only. Card benefits, eligibility criteria, fees, and interest rates may change without notice, so applicants should always verify details directly with TPBank before making any financial decisions.
