MSB Digital Bank
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Vietnam Maritime Commercial Joint Stock Bank
54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam
What makes it special?
Cashback up to VND 36 million per year on Advertising and Business Software
Preferential Foreign Currency Transaction Management Fees
Up to 56 days interest-free
Product information
| Feature / Category | Details |
| Introduction | A Credit Card allows cardholders to make transactions within a credit limit approved by the bank and repay the outstanding balance at a later date. |
| Card Benefits |
• Cashback: Earn up to VND 36 million per year on advertising and business software expenses. • Membership Tiers: Choose from three flexible tiers (Sapphire, Ruby, Diamond) with exclusive cashback benefits and foreign currency transaction fee privileges. • Convenience: Digital wallet integration and fast contactless payments. • Merchant Discounts: Up to 50% off with JOY offers at over 300 merchants across various sectors. |
| Annual Fee | VND 499,000 per year |
| Annual Fee Waiver Benefits |
• First Year: Fee waived upon making a purchase within 30 days of card activation. • Subsequent Years: Fee waived if total spending in the preceding year reaches at least VND 100 million. |
| Installment Payment Benefits | Flexible installment plans up to 12 months, with 0% interest available at reputable merchants including Samsung, Nguyen Kim, FPT Shop, CellphoneS, and more. |
| Minimum Credit Limit | VND 10 million |
| Payment Methods | Apple Pay, Samsung Pay, contactless technology, and Click to Pay. |
| Card Validity | 5 years |
| Supplementary Cards | Up to 3 supplementary cards |
Frequently Asked Questions
Xem thêmCan customers select the Ruby or Diamond Membership Plan from the first statement cycle upon card activation?
No. The Sapphire Membership Plan is automatically assigned for the first statement cycle, with the membership fee waived.
When does the first-year annual card fee start to apply?
Starting from the date of the first purchase transaction.
Is there an annual fee waiver program for the card from the second year onward?
Waive the annual fee from the second year onward if total spending reaches a minimum of VND 100 million in the current year.
How is the membership fee charged?
The membership fee is charged on the 26th of every month.
What is the minimum and maximum credit limit?
The credit limit ranges from VND 10 million to VND 1 billion.
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