Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Vietnam in 2026? We compared 15 credit cards from top banks in Vietnam to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by State Bank of Vietnam.
Quick Comparison: All 15 Credit cards in Vietnam
Side-by-side comparison of every credit card option in Vietnam as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. BIDV MC Classic | BIDV | — | Global Acceptance, Chip/Pin, Internet Banking | View → |
| 2. BIDV Visa Gold | BIDV | — | Global Acceptance, Chip/Pin, Internet Banking | View → |
| 3. BIDV Visa Platinum | BIDV | — | Global Acceptance, Chip/Pin, Internet Banking | View → |
| 4. Techcombank MC Classic | Techcombank | — | Shopping Discounts, Global Acceptance, Chip/Pin, Int… | View → |
| 5. Techcombank Visa Gold | Techcombank | — | Shopping Discounts, Chip/Pin, Internet Banking | View → |
| 6. Techcombank Visa Platinum | Techcombank | — | Travel Benefits, Dinning Benefits, Chip/Pin, Interne… | View → |
| 7. VCB MC Standard | Vietcombank | 1.83% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 8. VCB Visa Gold | Vietcombank | 1.83% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 9. VCB Visa Platinum | Vietcombank | 1.83% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 10. VietinBank MC Classic | VietinBank | 1.83% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 11. VietinBank Visa Gold | VietinBank | 1.83% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 12. VietinBank Visa Platinum | VietinBank | 1.83% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 13. VPBank Cashback | VPBank | 1.83% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 14. VPBank MC Standard | VPBank | 1.83% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 15. VPBank Visa Platinum | VPBank | 1.83% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
Top 15 Credit Cards in Vietnam (2026)
1. BIDV MC Classic
Bank: BIDV
- Benefits: Global Acceptance, Chip/Pin, Internet Banking
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
2. BIDV Visa Gold
Bank: BIDV
- Benefits: Global Acceptance, Chip/Pin, Internet Banking
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
3. BIDV Visa Platinum
Bank: BIDV
- Rewards: Up to 20% on card spending
- Benefits: Global Acceptance, Chip/Pin, Internet Banking
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.
4. Techcombank MC Classic
Bank: Techcombank
- Benefits: Shopping Discounts, Global Acceptance, Chip/Pin, Internet Banking
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
5. Techcombank Visa Gold
Bank: Techcombank
- Benefits: Shopping Discounts, Chip/Pin, Internet Banking
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
6. Techcombank Visa Platinum
Bank: Techcombank
- Benefits: Travel Benefits, Dinning Benefits, Chip/Pin, Internet Banking
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 feat
7. VCB MC Standard
Bank: Vietcombank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, 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
8. VCB Visa Gold
Bank: Vietcombank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
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 sho
9. VCB Visa Platinum
Bank: Vietcombank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Vietcombank premium card with airport lounge access, travel insurance, and cashback on spending.
10. VietinBank MC Classic
Bank: VietinBank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, 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 ins
11. VietinBank Visa Gold
Bank: VietinBank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
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
12. VietinBank Visa Platinum
Bank: VietinBank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with lounge access, travel insurance, and VietinBank loyalty rewards.
13. VPBank Cashback
Bank: VPBank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, 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 install
14. VPBank MC Standard
Bank: VPBank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, 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, conta
15. VPBank Visa Platinum
Bank: VPBank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with lounge access, comprehensive travel insurance, and VPBank rewards.
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 — all products listed are from banks regulated by State Bank of Vietnam
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 all 15 options on this page.
What credit score do I need for a credit card in Vietnam?
Most banks in Vietnam require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by State Bank of Vietnam. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Vietnam?
Fees vary by tier and bank: classic cards typically ₫ 0–1,500/year, gold ₫ 1,500–3,000, platinum ₫ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically ₫ 500–2,000), 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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