VIB Bank Credit Card – How to Apply?

Want a credit card that allows you to make cashless transactions while keeping your finances in check. By ordering the VIB Bank Credit Card, you can enjoy these benefits and a lot more. Find out how to apply for the VIB Bank Credit Card by reading the rest of this article.


With a VIB Bank Credit Card, you will enjoy making purchases and travelling anywhere in the world. Since Mastercard powers all VIB Bank credit cards, you can shop at almost all online and offline merchants in Vietnam and abroad.

You can also make flight and hotel reservations. Moreover, you will get massive cashback and rewards from your purchases.


Want a credit card that allows you to make cashless transactions while keeping your finances in check? VIB Bank Credit Card is for you. Here's how to apply:

VIB Bank Credit Card Types

VIB Bank has a wide range of credit cards for various types of people with different spending habits. From its basic VIB Bank Financial Freedom to its premier VIB Travel Élite Credit Card, you can select one that fits your unique requirements. To give you a good understanding of how VIB Bank Credit Cards work, let’s zero in on VIB Bank Financial Freedom.


VIB Bank Financial Freedom Credit Card is your companion for day-to-day purchases. But you can get more from its basic features. Here are some of the perks and advantages you can get from it.

VIB Bank Financial Freedom Credit Card Benefits

First, VIB Bank Financial Freedom Credit cardholders can withdraw cash of up to 100% of your credit limit. This feature will give you financial power especially during emergencies and other major events.

Also, you are entitled to an up to 45 days interest-free period. This benefit will enable you to get the most of your expenses after receiving the card. What’s more, the bank also waives the annual fee for your first year of being a cardholder.

You can also have access to VIB Bank’s advanced account management application that allows you to keep track of your expenses and finances.

What’s more, you will rest assured that your financial transactions are safe with the card’s latest EMV chip and advanced encryption technologies — no more restless nights worrying about the safety of your account information and credit balance.

Want to order a VIB Bank Financial Freedom Credit Card? You need to know the application process and requirements first.

VIB Bank Credit Card Application Process

You can apply for a VIB Bank Credit Card by filling out the online form on their website. Before you submit it, you should take note of its requirements. For the VIB Bank Financial Freedom Credit Card, you need to present a valid ID or document that proves you are 20 to 65 years old.

Having a savings and checking account in the bank will increase the chances of your approval. You must also present documents showing that you are earning at least VND7 million every month.

Once VIB Bank approves your application, you will have a credit limit of around VND10 million, which can go higher or lower based on your credit score and financial capacity.

Fees and Interest Rates

Each VIB Bank Credit Card has its exclusive tariffs and interest rates. For the VIB Bank Financial Freedom, you must take note of its annual fee of VND299,000, which you should pay the year after receiving the card.

You should also be mindful of the cash advance fee (4% of the withdrawn amount or VND100,000, whichever is greater) and the late payment fee (6% of the total amount, with a minimum of VND 200,000 and maximum of VND 2,000,000).

The VIB Bank Financial Freedom Credit has a monthly interest rate of 3%.

Image source: VIB

How to Contact the Bank

To get in touch with the bank Sailing Tower, 111A Pasteur, Ben Nghe ward, District 1, Ho Chi Minh City or you can call 1800 8180.


Overall, having a VIB Bank Credit Card allows you to make safe, convenient, and monitored purchases.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.