Eligibility criteria
To become a Priority customer of Vietcombank, please meet one of the following conditions:  
Deposit or Loan
  • The average deposit balance over the previous 12 months or the committed deposit balance to be maintained within the next 6 months from the identification date, from VND 2 billion or more; or
  • The average outstanding loan balance over the previous 12 months or the committed outstanding loan balance over the next 6 months from the identification date, from VND 3 billion or more.
Insurance

Customers with at least 01 insurance contract with FWD distributed by VCB (still effective and issued within a maximum of 3 years from the identification date) and with a cumulative insurance premium amount paid of 100 million VND or more over the last consecutive 12 months.

Credit card spending volume
The total accumulated spending volume of all personal credit cards (excluding company-authorized personal credit cards) over the previous 12 months, from VND 150 million or more, applicable to Platinum credit cardholders or higher class
Income
Average monthly income in the previous 12 months from 50 million VND or more.
Deposit - Loan - Card - Insurance combination

Satisfy the following 2 conditions at the same time:


  1. Meet at least 1 of the following 4 criteria:
    • Average deposit balance over the last consecutive 12 months or at the identification time from 1.5 billion VND upwards.
    • Average outstanding loan balance over the last consecutive 12 months or at the identification time from 2 billion VND upwards.
    • Cumulative expenditure total of all personal credit cards (excluding personally authorized corporate credit cards) over the last 12 months prior to the identification time of 120 million VND or more, applicable for Platinum and above credit card holders.
    • Cumulative insurance premium amount paid over the last 12 months prior to the identification time (including all insurance contracts with FWD distributed by Vietcombank) reaching 70 million VND or more.
  2. Achieve at least 10 points according to the following scoring system:
    CRITERIA AMOUNT (VND) CONVERSION POINTS
    Deposit balance 200,000,000 1 point
    Outstanding loan balance 300,000,000 1 point
    Credit card expenditure 15,000,000 1 point
    Insurance fees 10,000,000 1 point
deposit

Deposit or Loan

deposit

Insurance

deposit

Credit card spending volume

deposit

Income

deposit

Deposit - Loan - Card - Insurance combination

Classification of Vietcombank Priority Customer

Diamond Elite

  • Having account balance or outstanding loan balance at least VND 50 billion; or
  • Equivalence Point at least 250
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Diamond

  • Having account balance or outstanding loan balance at least VND 20 billion; or
  • Equivalence Point at least 100
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Gold

  • Having account balance or outstanding loan balance at least VND 5 billion; or
  • Equivalence Point at least 25
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Titan

Customer does not belong to the above groups
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Condition points calculator

You can refer to the points calculation for the Deposit - Loan - Card - Insurance combination using the following tool:

Deposit balance
VND
Outstanding loan balance
VND
Credit card expenditure
VND
Insurance fees
VND
Total points
Deposit balance
0 points
Outstanding loan balance
0 points
Credit card expenditure
0 points
Insurance fees
0 points

Current points
0 points
Remaining Points Needed
0 points