Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Vietnam? We've analyzed 5 Credit Cards from top banks operating in Vietnam to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Vietnam (2026)
1. VCB Visa Platinum
Bank: Vietcombank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.83% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
Vietcombank premium card with airport lounge access, travel insurance, and cashback on spending.
2. VCB Visa Gold
Bank: Vietcombank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.83% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
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...
3. VCB MC Standard
Bank: Vietcombank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.83% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection
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...
4. BIDV Visa Platinum
Bank: BIDV
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Key Benefits: Contactless Payments, 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....
5. BIDV Visa Gold
Bank: BIDV
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Key Benefits: Reward Points, Contactless Payments, 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...
How to Choose the Right Card
When comparing Credit Cards in Vietnam, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Vietnam
Want to see all available options? Compare all Credit Cards in Vietnam →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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