The Vietcombank Visa Platinum is one of Vietcombank’s premium international credit cards.
It offers cashback, travel protection, lifestyle perks, and flexible digital banking features suitable for frequent shoppers and travelers in Vietnam.
This article summarizes verified information from Vietcombank’s official publications, without inventing or altering any details.
Key Features of the Vietcombank Visa Platinum
Vietcombank highlights several core benefits for Visa Platinum cardholders.
- 0.5% Cashback: Cardholders earn 0.5% cashback on all spending, capped at 800,000 VND per billing cycle, with a yearly maximum of 15 million VND.
- Birthday Privilege: Customers receive a 1 million VND birthday gift from Vietcombank.
- Extensive Travel Insurance: The card includes travel insurance coverage up to 11.65 billion VND for the cardholder and eligible family members when traveling.
- Evergreen Lifestyle Benefits: Holders receive voucher programs, direct discounts, and special partner privileges.
- Flexible Payment Methods: The card supports chip, contactless, QR payments, online payments, and e-wallet compatibility, including Apple Pay, Google Pay, and Samsung Pay.
- Up to 45 Interest-Free Days: When you pay the full statement before the due date, you receive up to 45 days of interest-free credit.
These features place the Vietcombank Visa Platinum above basic credit cards while keeping its perks simple and practical for daily and travel spending.
Eligibility Requirements
Vietcombank lists the following general eligibility criteria:
- Minimum age: 15 years or older (younger users generally qualify for supplementary cards).
- Foreign residents must have legally lived in Vietnam for at least 12 months.
- Applicants must provide personal identification (Vietnamese ID/CCCD or passport).
Applicants must demonstrate financial capacity, usually through income documents such as:
- Salary slips
- Employment contract
- Bank statements
- Business income documentation
Vietcombank does not publicly specify a minimum income for this card.
Instead, credit approval is based on the bank’s internal assessment of financial capacity and creditworthiness.
Card Fees, Interest, and Limits
Because fees and interest rates may change, it is essential to review Vietcombank’s most recent fee table when applying.
Annual Fees
Primary card: 800,000 VND per year
Supplementary card: 500,000 VND per year (first supplementary card free in the first year)
Cash Advance Policy
Up to 50% of the credit limit for domestic cash withdrawals. Up to 30 million VND per day for international withdrawals
Monthly maximum of 100 million VND in total cash withdrawals.
Cash advance fee: 4% of the withdrawn amount, minimum 50,000 VND.
Credit Limit
Minimum limit typically starts at 70 million VND, subject to Vietcombank’s assessment.
Interest Rate
Vietcombank does not publish a fixed interest rate for the Visa Platinum card on its product page.
Rates are updated periodically and disclosed via Vietcombank’s official schedules.
Applicants should confirm the current rate directly through Vietcombank’s hotline, branch, or official website before applying.
Foreign Transaction Fees
Fees follow Vietcombank’s credit card fee schedule and Visa’s international conversion rules.
How to Apply for the Vietcombank Visa Platinum
Vietcombank provides an online registration form linked to the Visa Platinum product page.
Steps to apply online
Visit Vietcombank’s official website and click “Apply now” to open the online service registration portal.
Complete the form with your personal and financial details. Prepare identification and proof of income documents for upload or later verification.
Submit the form and wait for Vietcombank’s staff to contact you. Verification or additional documentation may be required.
Apply at a Vietcombank Branch
Request a Vietcombank Visa Platinum application form. Present your ID (CCCD, CMND, or passport) and proof of residence.
Provide proof of financial capacity (salary slip, employment contract, bank statements, or business income).
Sign the card issuance agreement and credit conditions. Wait for Vietcombank’s credit review and approval.
Vietcombank Contact Information (Verified)
Below are official contact channels for application support, card activation, fraud reporting, or inquiries.
Customer Hotlines
General hotline: 1900 54 54 13
Priority/Platinum hotline: 1800 1565 (toll-free)
Head Office (Mailing Address)
Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank)
Vietcombank Tower
198 Tran Quang Khai Street, Hoan Kiem District, Hanoi, Vietnam
Head Office Telephone
+84 4 3934 3137
Official Website
www.vietcombank.com.vn
These channels can confirm interest rates, updated fees, application status, and security concerns such as lost or compromised cards.
Comparison of Vietcombank Credit Cards
Consider each option.
| Feature / Card Type | Vietcombank Visa Platinum | Vietcombank Visa Classic | Vietcombank MasterCard Gold | Vietcombank American Express (Classic/Gold) |
|---|---|---|---|---|
| Target Customer | Premium customers needing cashback + travel insurance | Entry-level users wanting basic international payments | Mid-tier customers wanting higher limits than Classic | Customers preferring lifestyle + travel perks via AmEx network |
| Cashback / Rewards | 0.5% cashback, up to 800,000 VND per cycle; birthday gift 1,000,000 VND | No cashback on most versions; basic points only (varies by card line) | Limited cashback/points depending on MCC; not consistent across all Gold products | Membership Rewards points depending on variant; no fixed cashback |
| Travel Insurance | Yes – up to 11.65 billion VND | Not included | Limited or not included depending on issuance time | Included for higher-tier AmEx cards; varies by tier |
| Annual Fee (Primary) | 800,000 VND | Lower than Platinum (typically entry-level fee tier) | Mid-range (higher than Classic, lower than Platinum) | Typically higher than Visa Classic but varies by tier |
| Supplementary Card Fee | 500,000 VND (first year free for first supplementary card) | Lower supplementary fee | Moderate supplementary fee | Varies by tier |
| Minimum Credit Limit | ≈70 million VND and above | Much lower than Platinum (entry-level limits) | Medium limit range | Varies widely; depends on card tier |
| Cash Advance Limit | Up to 50% of credit limit (domestic) | Typically up to 50% | Same standard policy | Same standard policy |
| Interest-Free Period | Up to 45 days | Up to 45 days | Up to 45 days | Up to 45 days |
| Network Acceptance | Visa – widely accepted globally | Visa – widely accepted | MasterCard – widely accepted | AmEx – accepted globally but at fewer merchants than Visa/MC |
| Lifestyle Privileges | Evergreen vouchers, Visa privileges, birthday gift | Minimal privileges | Some travel & shopping privileges depending on MasterCard programs | Higher-tier AmEx cards offer global dining & travel programs |
| Ideal For | Users seeking premium perks without premium-level annual fees | First-time cardholders | Users who need higher limits but not premium benefits | Travelers who value AmEx rewards and travel perks |
Conclusion
The Vietcombank Visa Platinum is a strong premium option for customers who want cashback, travel insurance, and digital flexibility.
With benefits such as 0.5% cashback, up to 11.65 billion VND travel insurance, and a 1 million VND birthday gift, it offers meaningful value.
Always review the latest fee schedule and interest rates to ensure the card aligns with your financial goals.
Disclaimer: This article is for informational purposes only and is based on officially available Vietcombank information at the time of writing. Card features, fees, eligibility, and interest rates may change, and applicants should confirm all details directly with Vietcombank before applying.
