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.

Each MSB credit card offers its own set of promotions and benefits. To view detailed information, you may visit https://www.msb.com.vn, select “Credit Cards”, then choose the card product you are interested in. Promotion details will be displayed in the “Card Details” section.
Alternatively, you may contact the MSB Customer Service Center through the following online channels for detailed consultation on credit card promotions:
Zalo: Ngân hàng Hàng Hải – MSB
Facebook: MSB – Ngân hàng TMCP Hàng Hải Việt Nam
Email: cskhcanhan@msb.com.vn

MSB Credit Card Outstanding Balance Payment Guide
You can settle your MSB credit card outstanding balance through one of the following methods:
1. Automatic Debit (Auto Debit)
You may register for the Auto Debit service at any MSB Branch/Transaction Office or via the MSB mBank application.
Steps on the MSB mBank application: MSB mBank → Card Services → Credit Card → Card Management → Auto Debit → Select the auto debit option.
You may choose to pay: The minimum payment amount, or the full statement balance of the credit card.
2. Payment via Internet Banking / Mobile Banking (IB/MB)
You can make an online payment from your MSB current account to your credit card account.
3. Payment at an MSB Branch/Transaction Office
You may visit any MSB Branch/Transaction Office to settle your outstanding balance by: Cash deposit, or transfer from your MSB current account to your credit card account.
4. 24/7 transfer from another bank using the card number
You may transfer funds 24/7 from another bank using the following information: Credit card number and receiving bank name.