Fees and conditions - VIB Business Card

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Credit Cards
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VIB Business Card

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Credit Cards
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VIB Business Card

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Effective from: 11/04/2024

The fee schedule below including VAT, except for fees belong to VAT exemption according to regulations in period

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1. Fee schedule

1.1 Interest

For purchase transactions	MSME/SME: 35.50%/year Large Corporate: 15.00%/year
For cash withdrawal transactions	MSME/SME: 35.50%/year Large Corporate: 15.00%/year
For Installment transactions at non-VIB’s partners ⁽²⁾	0.6% - 2.0%/per month applied on registered installment amount
Using card wisely to get free interest for shopping transactions	Base on Card Exclusive Program Customer had selected at first, each program has different due date specifically as follows: Preferential type 1: Your payment due date is 15 days after the statement date. Preferential type 2: Your payment due date is 27 days after the statement date. The bank will not charge interest on purchase transactions if you pay the outstanding balance during or before the maturity date. For cash withdrawal transactions, interest will be charged since the transaction date has made. Credit card financial support, click here
Minimum amount of interest	Not applicable

1.2 Fees

Issue Fee	Free
Annual primary card fee	Preferential type 1: VND 1,000,000 Preferential type 2: Life - cycle
Annual supplementary card fee	Preferential type 1: VND 1,000,000 Preferential type 2: Life - cycle
Cash advance fee	Preferential type 1: 4.0% (minimum: VNĐ 100,000 ) Preferential type 2: 3.5% (minimum: VNĐ 100,000)
Cross-border fee for overseas transaction in FCY (not VAT included)	Preferential type 1: 3.0% (minimum: VND 10,000) Preferential type 2: 2.5% (minimum: VND 10,000)
Cross-border fee for overseas transaction in VND (not VAT included)	1.1% (minimum: VND 10,000)
PIN Mailer issue/reissue fee	Free
Card replacement/issuance fee	VND 100,000
Instant issue/re-issue/replacement fee (not VAT included)	VND 200.000
Nice Card Number fee	VND 500,000
Statement Date adjustment fee⁽¹⁾	VND 55,000
Minimum Payment adjustment fee⁽¹⁾	VND 55,000
Lost/Stolen card replacement fee	VND 100,000
Card renewal fee	Free
Card limit adjustment fee	VND 100,000
Card spending limit adjustment fee	VND 50,000
Card secured/un-secured method change fee	Free
Collateral change fee	Free
Card product change fee (Apply for changing from Preferential type 1 to Preferential type 2 and vice versa)	VND 100,000
Card user information change fee	VND 50,000
Auto debit service fee	Free
Direct debit failure fee	VND 50,000
Auto debit registration change fee⁽¹⁾	VND 55,000
Statement/Sales slip retrieval fee	VND 50,000
Statement delivery fee	VND 100,000
Visa direct service fee	VND 50,000
Fund receiving fee from Momo	0.3% (minimum VND 10,000)
Installment conversion fee⁽²⁾	2.49% - 18.49% applied on registered installment amount. Charged only one-time upon installment registration.
Installment maintenance fee⁽²⁾	0.6% - 2.0% per month applied on registered installment amount
Early installment repayment fee	2% of remaining installment balance (minimum: VND 200,000)
Credit limit confirmation fee	VND 50,000
Late payment fee (not VAT included)	4%/amount due (minimum: VND 200,000 ; maximum: VND 2,000,000) Applied on closing balance unpaid stated in Monthly Statement.
Over limit fee (not VAT included)	4%/over limit amount/transaction
Wrong dispute fee	VND 100,000
Service fee by request	VND 100,000
Service fee by request	Free
Fee for withdrawal credit amount of outstanding balance⁽³⁾	3% withdrawal amount (minimum: VND 100,000)
SMS service fee⁽⁴⁾	VND 9,900
Airport lounge fee	VND 999,000/time/pax
Airport fast track fee	Domestic terminal in VN: VND 999,000/time/pax International terminal in VN and International Airport: VND 1,099,000/time/pax
Minimum payment amount	- Monthly Installment (if any); and - Overdue and/or over limit amount (if any); and - 1%/ 3%/ 5%/ 10%/ 15%/ 20% of the remaining balance at the end of the period depending on customer's choice at the time of registration, minimum 50,000 VND; or other rate as notified by VIB to each Cardholder via email or by any form that VIB deems to be appropriate depending on different card product types from time to time.
Exchange Rate	For debit transaction (card transaction): Apply Sell Exchange Rate of USD by VIB plus VND 80; For credit transaction (refund/reversal transaction): Apply Sell Exchange Rate of USD by VIB

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2. Card registration document

Document for opening credit card

Please contact your nearest VIB Branch for more information.

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3. Card Application Process

Offline Card Application Process

Please contact your nearest VIB Branch for more information.

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4. Transaction limit

4.1 Total transactions/day

Sale/E-commerce transaction	No limitation
Cash withdrawal	5 times per day

4.2 Cash advance/withdrawal

Cash limit	50% credit card limit
Transaction amount/time	10 million VND
Transaction amount in FCY/day	30 million VND⁽⁵⁾
Transaction amount/month	100 million VND

4.3 Sales transaction at POS

Transaction amount/time	200 million VND
Total transaction amount/day	Within available credit limit

4.4 Online transaction

Transaction amount/time	200 million VND
Total transaction amount/day	Within available credit limit

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Note:

⁽¹⁾ Applicable to the 2nd change request/card account
⁽²⁾ Only apply one of installment interest or fee type for each installment plan. The specific fee rate of “Installment conversion fee” and “Installment maintenance fee” do not change for each Cardholders’ profile
⁽³⁾ Not applying in case your card is closed
⁽⁴⁾ Fee will be charged on registered card monthly. In case the customer cancels the registration and the cancellation date is less than 15 days from the statement date, the fee will still be applied. Supplementary cards will be registered/unregistered SMS service automatically according to the Primary Cardholder's registration/unregistration via VIB Checkout/MyVIB Corp application
⁽⁵⁾ Oversea cash withdrawal/cash advance transaction limit is based on the amount debited by VND in VIB card system and the amount shall be included cash withdrawal fee/cash advance fee and administration fee applied for oversea transactions

Note: For Virtual cards, the maximum transaction limit does not exceed 50 million VND/time

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