What conditions must be met to open a VIB credit card, how to do it step by step? Also, you want to update the detailed fee schedule when using the latest card? All detailed content will be revealed by the site shortly, if you are interested, do not ignore this useful article.
About international banking – VIB
International Bank – VIB was established on September 18, 1996 and is a leading and prestigious joint stock commercial bank in the financial and banking market of Vietnam.
Currently, VIB is focusing on two objects: individual customers and corporate customers. The bank has deployed card products, digital banking services, savings deposits, loans, insurance, trade finance, etc. Therefore, whenever you have a need, this unit will meet your needs. Quick response, most professional.
- Head office: 1st floor, 2nd floor Sailing Tower – 111A Pasteur, Ben Nghe Ward, District 1, Ho Chi Minh City.
- Website: https://www.vib.com.vn/vn/home.
- Email: [email protected]
- Hotline: 1800 8180.
- Working hours: 8.00 – 12.00 and 13.00 – 17.00.
VIB – Prestigious financial unit that wins the trust of customers
What types of credit cards does VIB offer?
In order to meet the needs of customers, the bank has provided many different types of VIB credit cards. As follows:
Cashback credit card
VIB cashback credit card is a product that brings many incentives to customers. When you spend the amount in the card will be refunded directly to your account or used for the next payment.
VIB cashback credit card called VIB Cash Back. Accordingly, customers using the card will be refunded for all shopping spending up to 10%. In addition, the card’s interest-free cycle is up to 55 days, transaction limit is up to 600 million VND.
There are also a number of other cash-back credit cards available. As follows:
- VIB Online Plus credit card 6% cashback for online spending.
- VIB Happy Driver credit card refunds 30% of car repair fees at maintenance centers.
- VIB Online Plus 2in1 cashback 6% for foreign online spending, 3% for domestic spending, 1% for other spending.
VIB Cashback – Cashback credit card brings many benefits to customers
Interest-free credit card
VIB Financial Free is an interest-free credit card issued by VIB bank. This card allows customers to withdraw 100% of the limit and exempt from withdrawal interest for the first 3 statement periods. The card line is very suitable for those who often have an unexpected need for cash.
In addition, the bank also issued VIB Zero Interest Rate card. Customers will be exempted from interest if they do not pay the statement balance in full or pay late. Card products are suitable for people who regularly spend via credit cards but have irregular financial resources.
VIB Financial Free and VIB Zero Interest Rate are two lines of interest-free credit cards issued by VIB bank
Withdrawal credit card
Withdrawal credit cards allow customers to advance an amount of money when they need it but do not have cash available. Most cards issued by VIB are easy to withdraw cash (except VIB Family Link card). Specifically, cards such as VIB Online Plus 2in1, VIB Online Plus, VIB Premier Boundless, VIB Happy Drive, VIB Travel Élite, VIB Cash Back, VIB Rewards Unlimited, VIB Financial Free, VIB Toss 2in1, VIB TrueCard, VIB Zero Interest Rate .
Customers can use all credit cards (except VIB Family Link card) to withdraw money
Credit card accumulating reward points
This card allows customers to accumulate reward points from daily spending. When you have a need, you will quickly convert those bonus points into different goods and services. Currently, VIB has provided typical card products as follows:
- VIB Online Plus 2in1 credit card: Customers accumulate reward points to convert into Grab points to link spending to enjoy incentives
- VIB Premier Boundless credit card: Accumulate reward miles.
- VIB Happy Drive credit card: Specialized card for cars, customers get 500 liters of petrol and 30% cashback when paying at the car maintenance center. In addition, this card can also accumulate bonus points for Urbox vouchers, annual fees, cashback, CGV movie tickets.
- VIB Travel Élite card: Accumulate bonus miles, suitable for customers who often travel.
- VIB Rewards Unlimited card: Accumulate super high reward points, especially for premium payments.
- VIB TrueCard: Accumulate reward points when shopping.
- VIB Family Link card: Customers accumulate Smile points and accumulate those points to save for their children.
VIB offers customers a variety of credit cards to accumulate bonus points
What are the advantages of VIB credit card?
Opening a VIB credit card is becoming the choice of many customers today. The reason this line is so trusted is due to certain advantages that must be mentioned as follows:
- VIB offers a wide range of cards to meet the needs of customers.
- The annual fee for maintaining the card is not high. Best of all, some cards are also free.
- Using card lines to pay abroad has relatively low foreign currency conversion fees.
- The card’s interest-free period is up to 55 days.
- Customers who open VIB credit cards have the opportunity to enjoy attractive cashback and points accumulation programs from the bank.
- The process of opening a VIB credit card is quick and easy at all branches/transaction offices of the bank nationwide.
Customers using VIB credit cards will receive many practical benefits in return
Conditions and documents to open VIB credit card
To open a card, customers need to meet certain conditions for opening a VIB credit card. This is also an important basis for banks to verify information and deploy appropriate cards.
- Be a Vietnamese citizen between the ages of 22 and 65.
- Customers are living, working and working in cities with branches and transaction offices of VIB.
- Customers provide full ID card / CCCD / Passport, copy of household registration.
- Having a stable, average and minimum income in the last 3 months is 15-20 million VND depending on the required card lines.
- Individual customers have good credit scores, no bad debts.
Customers need to meet the correct requirements and conditions to open a VIB credit card for the fastest approval
Do you need a CREDIT LOAN? Register now to receive special interest rates:
How to apply for a VIB credit card
There are 2 different ways to apply for a VIB credit card. Regardless of the plan you follow, you will get the fastest response. As follows:
Open card directly at the branch
Open a VIB credit card by going directly to the branch that will help you meet the staff. At this time, customers quickly receive detailed advice and instructions.
In order for the transaction to take place quickly and smoothly, you need to prepare a full personal profile, proof of income. Then, please follow the steps below:
- Step 1: Go to VIB’s branch.
- Step 2: Present the request to open VIB credit card and submit the application.
- Step 3: Listen to the instructions of the banker.
- Step 4: Customers wait for a certain period of time for the bank to censor the application.
- Step 5: Customers receive an appointment to return results if the application is approved.
Customers can go to the bank’s branch/transaction office to open a VIB credit card
Open card online
Opening VIB credit card at home helps you save maximum time and effort. Step by step implementation is only encapsulated in a few simple steps, specifically as follows:
- Step 1: Customers immediately access the link https://www.vib.com.vn/vn/the-tin-dung
- Step 2: Select the type of credit card the customer wants to open and then fill in the form completely.
- Step 3: Read carefully and fill in your personal information.
- Step 4: Get feedback from the card issuer.
- Step 5: Customers enter the correct OTP code sent by the system to the phone number registered to open VIB credit card.
- Step 6: Customers press confirm and complete the VIB credit card opening process.
Opening VIB credit card at home is very simple with only 6 steps
The latest VIB credit card usage fee schedule
The fee schedule for using the card is the fee that customers have to pay when making a transaction. As a result, you will be more proactive in financial management as well as in debt balance calculation.
|Type of fee||VIB Classic||VIB Gold||VIB Platinum||VIB World|
|Issuing card||Main||Free of charge.|
|Annually||Main||299,000 VND.||499,000 VND.||899,000 VND.||999,000 VND.|
|Extra||199,000 VND.||249,000 VND.||599,000 VND.||699,000 VND.|
|Cash withdrawal/advance||4% – Minimum amount is 80,000 VND||4% – Minimum amount is 100,000 VND.|
|Re-issuance of the card||100,000 VND.|
|Replace card||100,000 VND.|
|Quick Release/Replace||200,000 VND.|
|Change limit||100,000 VND.|
|Late payment||6% – Minimum amount is 120,000 VND||4% – Minimum amount is 120,000 VND|
|Exceeding the limit||3% – Minimum amount is 50,000 VND||2.5% – Minimum amount is 50,000 VND|
What should I pay attention to when opening a VIB credit card?
Opening a VIB credit card is very simple, but some customers still have difficulty in doing so. In order to help you quickly and effectively, the website has given some important notes as follows:
- Customers need to prepare all documents and documents before opening the card.
- Open a VIB credit card in accordance with your personal financial needs and financial resources.
- When opening a credit card online, only access the official link of the bank.
- Do not provide personal information to any entity other than VIB.
Customers need to prepare all documents and documents to make the process of opening a VIB credit card quick and convenient
Frequently asked questions
What are the questions about opening a VIB credit card? How to fix for each specific case? Please read the content below to update detailed information:
Should I apply for a VIB credit card?
Opening a VIB credit card is something you should do as soon as possible. Because this has the following benefits:
- Easily pay for all transactions without carrying too much money.
- Peace of mind when shopping, traveling anywhere because there is no need to withdraw or exchange foreign currency.
- Avoid theft when carrying too much cash with you.
- Enjoy many preferential programs from VIB bank.
Customers should register to open a VIB credit card to enjoy the benefits and incentives
How many credit cards can a customer open?
A customer can have multiple credit cards at the bank. However, you should only register up to 2 card products to easily control spending. At the same time, you also limit unnecessary fees such as maintenance fees, annual fees, etc.
How long is a credit card valid for?
Credit cards have a useful life of 3-5 years. Customers who want to know accurate information need to base on each type and form of registration.
Credit cards have a useful life of 3 to 5 years
My credit card is blocked, what to do?
Locked credit cards often stem from many different reasons. For example:
- The customer manipulates and enters the wrong PIN more than the specified number of times.
- The outstanding balance has not been paid in full.
- Credit card with unusual transactions.
- Customers do not use the card for a long time.
- The type of credit card the customer is using is no longer valid.
Customers can overcome the situation that their credit card is locked by going to the bank’s branch or transaction office. Then, a team of experts will advise and support you as quickly as possible.
Believe that you have a clear understanding of the terms and how to open a VIB credit card after reading this article. Please continue to follow the next articles to update other useful financial information.
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