To apply for an MSB credit card, customers must meet the following requirements:
1. Nationality: Vietnamese citizen
2. Residence/Workplace: Located in provinces or cities where MSB Branches/Transaction Offices are available
3. Age: Primary cardholder: From 20 to 65 years old; Supplementary cardholder: From 15 years old and above
4. Credit history: No Group 2 bad debt within the last 12 months; No Group 3 bad debt within the last 24 months
5. Income (salary transferred via bank account): From VND 6 million per month or more; From VND 8 million per month or more for customers in Hanoi and Ho Chi Minh City; The applicant must not work in hazardous or high-risk occupations (Income requirements may vary depending on MSB policies and specific card products from time to time.)
6. Other requirements: According to MSB regulations applicable from time to time
Note: Please visit https://taichinhtieudung.msb.com.vn or go to the nearest MSB Branch/Transaction Office to apply for an international credit card. The credit assessment team will review the application and provide feedback to the customer.

You can link your MSB card to Apple Pay using one of the following methods:
1. Add the card via the MSB mBank application
Step 1: Log in to the MSB mBank application → Select Card Services → Choose Add Card to Apple Pay → Select Continue.
Step 2: Select the card you wish to add to Apple Pay.
Step 3: Select Add to Apple Wallet, then tap Next and Confirm to accept the Terms and Conditions.
Once completed, your card will be successfully added to Apple Pay.
2. Add the card directly via Apple Wallet
Step 1: Open the Apple Wallet application on your device.
Step 2: Tap the Add (+) button to start the process of adding a card to Apple Pay.
Step 3: Follow the instructions to complete the setup. After the process is completed, your MSB card will be successfully linked to Apple Pay and ready for payment transactions.

You can check the monthly credit card statement and outstanding balance through the following methods:

• Method 1: Via the electronic statement sent by email

You may review your credit card statement through the electronic statement sent to your registered email address.

• Method 2: Via the MSB Plus application

Log in to the MSB Plus application → Select Card Services → Choose Statement → Select the month you want to review. Note: On the MSB Plus application, you can view credit        card statements for the most recent 6 months.