Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Vietnam in 2026? These are all 15 credit cards in Vietnam that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Vietnam. It is the set Buzdy has verified data for, from 5 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Vietnam
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. VCB Visa Platinum | Vietcombank | Not published | 21.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 2. VietinBank Visa Platinum | VietinBank | Not published | 21.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 3. VPBank Visa Platinum | VPBank | Not published | 21.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 4. Techcombank Visa Platinum | Techcombank | Not published | Not published | Cashback, Rewards points, Travel benefits, Dining offers | View → |
| 5. BIDV Visa Gold | BIDV | Not published | Not published | Rewards points, Digital wallet | View → |
| 6. VCB Visa Gold | Vietcombank | Not published | 21.96% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 7. VietinBank Visa Gold | VietinBank | Not published | 21.96% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 8. VPBank Cashback | VPBank | Not published | 21.96% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 9. Techcombank Visa Gold | Techcombank | Not published | Not published | Cashback, Rewards points, Shopping offers | View → |
| 10. BIDV Visa Platinum | BIDV | Not published | Not published | Rewards points, Digital wallet | View → |
| 11. VCB MC Standard | Vietcombank | Not published | 21.96% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 12. VietinBank MC Classic | VietinBank | Not published | 21.96% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. VPBank MC Standard | VPBank | Not published | 21.96% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 14. Techcombank MC Classic | Techcombank | Not published | Not published | Rewards points, Shopping offers | View → |
| 15. BIDV MC Classic | BIDV | Not published | Not published | Rewards points | View → |
The 15 Credit Cards in Detail
1. VCB Visa Platinum
Bank: Vietcombank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Vietcombank premium card with airport lounge access, travel insurance, and cashback on spending.
2. VietinBank Visa Platinum
Bank: VietinBank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, travel insurance, and VietinBank loyalty rewards.
3. VPBank Visa Platinum
Bank: VPBank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, comprehensive travel insurance, and VPBank rewards.
4. Techcombank Visa Platinum
Bank: Techcombank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Travel benefits, Dining offers
The Techcombank Visa Platinum is a premium credit card in Vietnam designed for travel and dining enthusiasts, offering cashback up to 3 million VND per month and up to 10% at select merchants. It features the Techcombank Rewards program and seamless integration with Techcombank Mobile banking.
5. BIDV Visa Gold
Bank: BIDV
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points, Digital wallet
The BIDV Visa Gold is an international credit card offering reward points on spending, 0% interest installment plans at partner merchants, and contactless payment capability. It supports Apple Pay and Google Pay digital wallets, with transaction limits up to 2 billion VND per day.
6. VCB Visa Gold
Bank: Vietcombank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Vietcombank Visa Gold provides higher credit limits with a competitive 17% p.a. interest rate, up to 45 days interest-free period, worldwide Visa acceptance at millions of merchants, secure online shopping with 3D Secure, and cash advance facility at ATMs globally.
7. VietinBank Visa Gold
Bank: VietinBank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
VietinBank Visa Gold provides enhanced credit limits up to 300 million VND with low annual fee of 120,000 VND. Features 3D Secure online payments, Samsung Pay and contactless technology, zero-interest hire-purchase, and convenient management through VietinBank iPay app.
8. VPBank Cashback
Bank: VPBank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
VPBank Cashback Mastercard offers up to 2% cashback on eligible transactions with max VND 2 million per statement cycle. Features no annual fee for primary and supplementary cards, 0% interest installments at 150+ nationwide partners, and flexible credit limits.
9. Techcombank Visa Gold
Bank: Techcombank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Shopping offers
The Techcombank Visa Gold credit card offers spend-before-pay-later convenience with cashback rewards and exclusive promotions at partner merchants across Vietnam. Cardholders earn rewards through the Techcombank Rewards program and enjoy digital banking management via Techcombank Mobile.
10. BIDV Visa Platinum
Bank: BIDV
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points, Digital wallet
The BIDV Visa Platinum is a premium international credit card from BIDV in Vietnam, offering reward points up to 20% on card spending, 0% installment payment plans, and contactless payment technology. Cardholders enjoy access to Apple Pay and Google Pay, along with worldwide acceptance at Visa merchants.
11. VCB MC Standard
Bank: Vietcombank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Vietcombank Mastercard Standard offers revolving credit up to 90 million VND with buy-now-pay-later and interest-free period up to 45 days. Features 18% p.a. interest rate for Classic tier, worldwide merchant acceptance, and secure online payment with 3D Secure technology.
12. VietinBank MC Classic
Bank: VietinBank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
VietinBank Mastercard Classic offers free card issuance, 3D Secure online payments, Samsung Pay and contactless payment support. Features easy management through VietinBank iPay app, zero-interest installments on purchases of VND 1 million or more at partner merchants.
13. VPBank MC Standard
Bank: VPBank
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
VPBank Mastercard Standard provides essential credit card benefits with rewards on everyday spending. Features 0% installment programs at partner merchants, welcome cashback for new cardholders, contactless payments, and convenient management through VPBank mobile banking app.
14. Techcombank MC Classic
Bank: Techcombank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points, Shopping offers
The Techcombank Mastercard Classic is an accessible credit card offering spend-first, pay-later benefits with exclusive promotions at partner merchants in Vietnam. It features the Techcombank Rewards program, contactless payments, and full mobile banking integration through Techcombank Mobile.
15. BIDV MC Classic
Bank: BIDV
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points
The BIDV Mastercard Classic is an entry-level international credit card from BIDV in Vietnam, offering reward points on spending, 0% interest installment options at partner merchants, and contactless payment technology. Cardholders can manage their card through BIDV SmartBanking and use it worldwide at Mastercard me...
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Vietnam
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the State Bank of Vietnam public register before you apply
Frequently Asked Questions: Credit cards in Vietnam
What is the best credit card in Vietnam for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Vietnam?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Vietnam?
Yes, most major banks in Vietnam now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Vietnam is supervised by State Bank of Vietnam. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Vietnam?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Vietnam
- All banks in Vietnam
- Bank branches across Vietnam
- Credit Cards In Vietnam 2026
- Personal Loans In Vietnam 2026
- Savings Accounts In Vietnam 2026
- Vietnam EMI calculator
- Vietnam savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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