Hướng dẫn cách làm thẻ tín dụng VPBank dễ dàng, nhanh gọnYour Easy and Quick Guide to Getting a VPBank Credit Card

Credit cards offer numerous features and attractive benefits, yet not everyone understands the requirements and process to obtain these convenient cards. Let's explore how to apply for a credit card quickly and easily with VPBank in this article!

1. Why Should You Get a VPBank Credit Card?

In today's increasingly cashless world, credit cards have become essential financial tools, offering superior benefits to users. VPBank, with its diverse range of credit cards and attractive offers, not only meets spending needs but also helps users optimize their expenses and enjoy exclusive privileges.

Here are the compelling advantages that VPBank credit cards offer:

• Free Issuance: VPBank offers free issuance for all domestic and international credit card lines, supporting customers who want to experience top-tier service.

• Annual Fee Benefits: Depending on the credit card type, VPBank offers free or 50% reduced annual fees for supplementary cards. Annual fees for subsequent years may be waived if the previous year's spending meets the specified threshold.

• Competitive Interest Rates: Commercial bank credit interest rates are consistently among the best in the financial institution sector. VPBank, in particular, always maintains a highly competitive interest rate policy for its credit cardholders. This aims to provide maximum support to customers, allowing you to spend comfortably and improve your quality of life.

• Great Spending Offers: VPBank has diverse promotional policies for cardholders who spend at partner merchants or reach specified spending levels: cashback, discount vouchers, gifts, annual fee waivers, etc.

VPBank credit cards offer many benefits when spending.

• Diverse Payment Options: To pay your credit card bill, you can choose from various methods: auto-debit, payment at counters or CDM machines, via VPBank NEO, bank transfer from another bank, through post offices, or Payoo agents.
• Transparent Information: VPBank supports detailed notifications of card expenditures via email. Additionally, the bank provides free monthly statements, making it convenient for cardholders to review and reconcile their transactions.

VPBank credit cards are a popular choice among users.

2. VPBank Credit Card Eligibility

VPBank currently offers many credit card products with various benefits. However, the simplest conditions VPBank requires for credit card applicants are:

• You must be an individual, either a Vietnamese citizen or a foreigner residing in Vietnam, aged between 22 and 60 at the time of application.

• Have a minimum income of VND 4,500,000 per month.

Compared to many other banks, VPBank's credit card application requirements are considered easy to meet, especially regarding the income threshold. Typically, banks and financial institutions require a minimum income of VND 8,000,000 or higher. This is because the credit card spending limit is essentially a loan that the customer needs to repay. To obtain a loan, customers must demonstrate their repayment capability, which in this case is their actual income. As the credit card limit can be many times the actual income, VPBank's requirements for credit cardholders are seen as providing maximum support to customers.

Compared to many other banks, VPBank's credit card application requirements are considered easy to meet, especially regarding the income threshold. Typically, banks and financial institutions require a minimum income of VND 8,000,000 or higher. This is because the credit card spending limit is essentially a loan that the customer needs to repay. To obtain a loan, customers must demonstrate their repayment capability, which in this case is their actual income. As the credit card limit can be many times the actual income, VPBank's requirements for credit cardholders are seen as providing maximum support to customers.

3. Required Documents for Credit Card Application

To apply for a credit card with VPBank, you'll need just one type of document from each of the following categories:

• Personal Identification Document: Citizen ID card / Passport / Military ID.

• Proof of Residency: Household registration book / Driver's license.

• Proof of Current Address: Long-term temporary residence registration book / Utility bill / Service invoice / Credit card statement / Salary statement.

• Proof of Employment: Labor contract / Salary increase decision / Appointment decision / Business registration certificate.

• Proof of Financial Capability: Salary account statement / Pay slip / Salary breakdown statement / Salary confirmation (for customers working in state agencies).

• Insurance contract and payment invoices/receipts.

• Images of cards and credit card statements from other banks (if the customer has fewer than 3 credit cards from other banks).

VPBank's credit card application documents are considered comprehensive and meet the requirements of the State Bank of Vietnam. The set of documents you need to prepare is similar to many commercial banks. However, these are basic documents that are easy to prepare quickly. If you need further assistance in preparing your documents, please contact a VPBank Relationship Manager or call the hotline at 1900 5454 15.

4. How to Apply for a VPBank Credit Card in 5 Minutes

There are 4 ways to apply for a VPBank credit card: applying via hotline, completing procedures at a transaction counter, filling out information via the website, and applying through the VPBank NEO digital bank.

Depending on your circumstances, you can choose one of these methods. If you apply via hotline or at a transaction counter, the process takes approximately 5-10 minutes. If you open a card through online channels, the entire process takes about 5 minutes.

4.1. Apply via Hotline

• Step 1: Prepare all necessary documents and information.

• Step 2: Call the VPBank hotline at 1900 5454 15 and follow the instructions provided by the operator.

• Step 3: Wait for VPBank's approval and receive your card within 10-15 days.

4.2. Apply at a Transaction Counter

• Step 1: Schedule an appointment before visiting the branch.

• Step 2: Prepare all necessary documents and visit the correct VPBank branch at your scheduled time.

• Step 3: Meet a VPBank Relationship Manager and request assistance with your credit card application. Present your documents.

• Step 4: Wait for approval and receive your card within 10-15 days.

4.3. Apply via Website

• Step 1: Visit the website via this link: Open online credit card | VPBank.

• Step 2: Fill in all required information in the fields: Full name, phone number, email address, nationality. Check "I'm not a robot" and select "Continue."

• • Step 3: Choose your primary benefit: Reward points / Cash withdrawal / Free flight tickets / Shopee / Cashback; select additional secondary benefits if desired. If you already have a card preference, choose "Skip and see all cards." Then, click "Next."

  • Step 4: Select your preferred card. Below each card image, you'll find the latest promotional information for new card applications. If you want to view card details, select "Details." If you wish to apply for this card, select "Apply for this card."

  • Step 5: Fill in your personal information as requested.

  • Step 6: Wait for approval and receive your card.

  4.4. Apply via VPBank NEO

  • Step 1: Log in to your VPBank NEO account

• Step 2: From the menu, select "Cards" (Thẻ), then choose "Open Credit Card" (Mở thẻ tín dụng).

• Step 3: Choose your card: The screen will display various credit card types. Tap on a card image to view more detailed information. Select your preferred card and choose "Continue."

• Bước 4: Điền các thông tin theo biểu mẫu tương tự như đăng ký trên website. Sau khi hoàn thành thông tin mỗi biểu mẫu, bạn nhấn Tiếp tục. Nhấn Hoàn thành để xác nhận thông tin đã nhập.

• Bước 5: Chờ xét duyệt và nhận thẻ.

• Step 4: Fill in the information on the form, similar to the website application. After completing each section of the form, click "Continue." Click "Complete" to confirm the entered information.

• Step 5: Wait for approval and receive your card.

5. Are There Any Fees for Opening a VPBank Credit Card?

For customers wondering about fees for applying and opening a credit card, VPBank offers free credit card issuance for all newly opened cards.

Some banks charge a credit card issuance fee and impose many conditions for new cardholders because the nature of this card is a bank loan. When extending credit to customers, banks must conduct thorough assessments to mitigate risks, which often leads to an issuance fee.

At VPBank, we are always committed to providing the best experience and highest value to our customers. Therefore, to ensure you have the opportunity to experience VPBank's credit card service comfortably and fully, VPBank offers completely free issuance for new cards.

The information above covers the conditions, required documents, and detailed instructions on how to apply for a VPBank credit card through both online and direct channels. Vietnam Prosperity Joint Stock Commercial Bank offers a wide variety of credit card types to meet diverse customer needs.

If you wish to own this convenient card, proceed with your application today. For further assistance, please contact the hotline at 1900.54.54.15 or visit our website at vpbank.com.vn.