VietinBank, officially the Vietnam Joint Stock Commercial Bank for Industry and Trade, is one of Vietnam’s largest state-owned financial institutions.
The VietinBank Premium Visa is designed for customers who want enhanced privileges and higher credit limits.
This guide explains what the card offers, how to apply, eligibility requirements, interest rates, and important reminders before applying.
What Is the VietinBank Premium Visa Card?
The VietinBank Premium Visa is a higher-tier international credit card offering more features than standard Visa cards.
VietinBank categorizes its premium-level cards under Visa Platinum, Signature, or similar premium classes.
These cards are built for individuals who require global acceptance, lifestyle perks, travel benefits, and greater spending flexibility.
Typical benefits of VietinBank Premium Visa cards include:
- Rewards programs and cashback promotions at select merchants
- Contactless payment capability and compatibility with digital wallets
- Access to lifestyle and travel privileges such as lounge benefits (card-specific)
- Higher credit limits compared to basic card tiers
- Installment payment plans for eligible purchases
- Customer assistance through priority service channels
These features make the Premium Visa suitable for customers with frequent travel, regular high-value purchases, or a desire for premium banking services.
Key Features and Benefits
VietinBank’s Premium Visa products offer a variety of privileges, depending on the tier.
International Acceptance
The Premium Visa is usable worldwide at millions of Visa-accepting merchants and ATMs.
Rewards and Promotions
Cardholders may receive cashback, reward points, and seasonal promotions offered by VietinBank and the global Visa network.
Cash Advance Facilities
The card provides emergency cash withdrawal options.
VietinBank commonly charges a cash advance fee of around 2% of the withdrawal amount when using the service at a VietinBank counter.
Installment Payment Options
Eligible transactions—usually starting from around VND 1 million—may be converted into 0% installment plans, depending on the promotion and merchant.
Enhanced Security
Premium Visa cards support EMV chips, contactless technology, and 3D Secure authentication for online payments.
How to Apply for a VietinBank Premium Visa Card
Customers can apply in three main ways: at a VietinBank branch, through the VietinBank iPay app, or by contacting customer service.
Prepare Citizen ID or Passport, proof of residential address, and income (employment contract, payroll statement, or bank statement).
1. Apply at a VietinBank Branch
Inform the staff that you would like to apply. A representative will assess eligibility, explain card tiers, and guide you.
You will be asked to complete a form and hand in all supporting documents for verification.
If approved, VietinBank will notify you when your card is ready. You may need to visit the branch to collect the card or follow activation instructions.
2. Apply Using the VietinBank iPay Mobile App
VietinBank’s digital banking app provides limited online credit card application features.
Register or log in to your account. Navigate to the card services section to check if Premium Visa applications are supported.
Complete digital identity verification (eKYC), including ID upload and facial verification.
3. Contact VietinBank Customer Service
Applicants may request assistance by calling the VietinBank hotline.
Bank staff can explain eligibility requirements, card types, and the application process.
Interest Rates, Fees, and Charges
Interest rates and fees vary depending on the Premium Visa tier.
Interest Rate
Standard interest rates for VietinBank international Visa cards generally range around 18.5% to 22% per year, depending on promotions and market conditions.
Grace Period
Most cards include an interest-free period of up to 45 days if the full balance is paid by the due date.
Cash Advance Fees
VietinBank commonly charges about 2% of the withdrawal amount when using cash advance services at VietinBank counters.
Annual Fees
Premium cards typically have higher annual fees compared to standard cards.
Depending on the tier, the first year’s fee may sometimes be waived as part of promotional programs.
VietinBank Cards Comparison
Here is a comparison of some of the main VietinBank card products, including what could be considered “Premium Visa” (or equivalent) vs other tiers.
This should give you a clearer idea of where a “Premium/Visa Platinum/Signature” card stands among VietinBank’s offerings.
| Card / Tier | Key Features / Benefits | Typical Fees / Conditions* |
|---|---|---|
| VietinBank Visa Credit Platinum | • 0% installment (“hire-purchase”) for purchases from ~VND 1,000,000+ • Contact/contactless chip card, 3D Secure, mobile wallet support, global Visa acceptance • Cash advance at bank counters with ~ 2% fee • Eligible for year-round cashback / promotional offers |
Issuance free; Annual fee 250,000 VND (waived first year if spend ≥1,000,000 VND within 30 days of activation) |
| VietinBank Visa Signature | • Higher-tier privileges (e.g. better reward/cashback programs, lifestyle/travel perks) • 0% installment for purchases from ~VND 2,000,000+ (depending on conditions) • Cash withdrawal fee at POS counters ~ 2% • Priority customer services |
More premium card class — higher fees. As of 2025: annual fee for main and supplementary card listed as 4,999,000 VND in fee schedule |
| Other / Business / Specialized Cards (e.g. Corporate, Debit, Virtual) | • For business expenses (corporate cards), or convenient debit/card-based payment rather than credit • Some benefit from lower fees or simpler conditions depending on need (e.g., business cash flow, foreign-currency payments, debit convenience) • For debit cards: normal account-linked transactions, no credit debt risk |
Varies widely — typically much lower than premium credit cards; for example, some debit/virtual-cards have lower issuance/annual fees. |
VietinBank Contact Information
Customer Support Hotline (Vietnam): 1900 558 868
Official Email: contact@vietinbank.vn
Head Office Address: 108 Trần Hưng Đạo, Hoàn Kiếm District, Hà Nội, Vietnam
These channels can assist with credit card applications, status inquiries, fees, or card activation.
Conclusion
The VietinBank Premium Visa offers high-level benefits, including global acceptance, attractive rewards, installment plans, and enhanced customer service.
The application process is simple, whether you choose to apply in person at a branch or through the digital iPay platform.
With proper use, the VietinBank Premium Visa can be a valuable financial tool for everyday spending and travel.
Disclaimer: This article is for informational purposes only and is based on publicly available data from VietinBank and reputable financial sources. Card features, fees, interest rates, and eligibility requirements may change at any time, and readers should verify all details directly with VietinBank before applying.
