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Guide on Applying for Visa at VIB Bank, VIB Bank Credit Card is an extremely detailed tutorial by Free Download for readers interested in getting a Visa card at Vietnam International Commercial Joint Stock Bank. Find out if the process of making a Vib Bank Visa card is similar to making an Agribank Visa card. If you already know how to make an Agribank Visa card, explore how to create a Vib Bank Visa card below.
Credit cards are specialized tools for borrowing to spend first and pay later, offering numerous benefits to users. They enable you to fulfill your shopping dreams without waiting for your salary or other income. Credit cards make transactions convenient, quick, and worry-free, eliminating the need for counting or worrying about loss.
Due to the convenience, VIB Bank has introduced a type of credit card with the desire to provide the utmost convenience in spending for customers. The process of obtaining a Visa VIB card, opening a VIB Bank credit card, is currently well-defined. For those unfamiliar, it may be a bit confusing. Therefore, Free Download will guide you in detail on how to make a Visa VIB credit card, the procedures, and the conditions for card opening.
What types of credit cards does VIB Bank offer?
The International Commercial Joint Stock Bank currently issues three types of credit cards:
+ VIB Platinum Double Cash Back: VIB Platinum Double Cash Back defines the maximum credit limit as 500 million VND, the annual fee is 999,000 VND, the maximum interest-free period is 55 days. To apply for the VIB Platinum Double Cash Back card, customers must have a minimum monthly income of 15 million VND, and the minimum monthly interest rate is around 2%.
+ VIB Gold: For VIB Gold card, the maximum credit limit is 200 million VND, annual fee 399,000 VND, interest-free period under 45 days. Minimum monthly income required is 8 million VND, with an estimated monthly interest rate of around 2.33%.
+ VIB Classic: VIB Classic defines the maximum credit limit as 30 million VND, annual fee 199,000 VND, maximum interest-free period is 45 days. To apply for Visa Classic, customers must have a monthly income of at least 6 million VND, with an estimated monthly interest rate of around 2.58%.
With these three VIB card types, customers can determine their credit card needs. Essentially, customers should base their decision on their income to determine the type of credit card to open. To open a VIB Bank account, you need some documents such as ID card or passport. Opening a VIB Bank account allows you to access many services offered by the bank.
Conditions for opening a VIB International Credit Card
When applying for a Visa VIB card, customers need to be familiar with the basic regulations set by the bank to open a VIB credit card, which are clearly defined:
+ Customers applying for a Visa VIB card must be at least 18 years old according to their ID card
+ Minimum monthly income:
For individuals: Each type of credit card will have different regulations regarding individual income levels. VIB Classic card requires a monthly income of 6 million VND or more, VIB Gold card requires a monthly income of 8 million VND or more, VIB Platinum card requires a monthly income of 15 million VND or more.
For businesses: Depending on the type of VIB bank card, there are specific regulations for opening cards for businesses. VIB Classic/Gold card requires a monthly income of 12 million VND or more, while VIB Platinum card requires a monthly income of 15 million VND or more.
For foreigners living and working in Vietnam: The minimum income to apply for a Visa card is from 45 million VND per month.
For those applying for a card without income proof: If not providing income proof when opening a bank card, customers must have a savings book or contracts with valid deposit values according to VIB bank regulations.
How to apply for Visa VIB card - Specific procedures for applying for VIB bank credit card are as follows:
+ Latest version of VIB bank's issued card opening application form
+ National ID card or passport with valid date (copy), copy of household registration book (bring the original for verification)
+ For businesses wishing to open a VIB Visa card, registration of business, the latest financial report, and the last 6 months' financial report are required.
+ For individuals opening a card, a copy of the latest 3 months' salary statement is needed
+ For foreigners residing and working in Vietnam, proof of income and a copy of the bank statement must be submitted.
+ For those who do not verify income when wanting to open a VIB Visa card, a savings book or valid deposit contracts are required according to VIB bank regulations.
+ How to apply for VIB Visa card - Where to apply for VIB Visa card
+ Customers who want to open a VIB Bank credit card can visit the bank's branches and offices nationwide. Customers will prepare complete information and documents as shared by Tải Miễn Phí above. If your dossier meets the requirements, the bank will confirm the account opening for you.
Explore insights on obtaining a Visa card from VIB Bank and ensure a swift, regulation-compliant process. With these Visa cards, customers can enjoy unrestricted shopping, both domestically and internationally.
Similarly, with Vietcombank, customers can create Vietcombank Visa cards to enjoy numerous high benefits. If you haven't grasped the information on making Vietcombank Visa cards, readers can follow Mytour for guidance.
