1. Scope of use

According to the scope of use, credit cards are divided into international credit cards and domestic credit cards. International credit cards are cards issued by international card organizations (Visa, MasterCard, JCB, etc.) and are widely accepted for payment worldwide. Domestic credit cards are cards issued by NAPAS that can only be used for payment at domestic card acceptance points.

Customers can choose to use international or domestic credit cards depending on their needs.

2. Card issuing organization

There are many credit card issuers on the market, here are some typical ones:

● NAPAS: Vietnamese brand, established in 2004, mainly operating in the Vietnamese market, currently expanding to 5 other countries, is a partner of more than 64 member organizations

● Visa: A brand from the United States, founded in 1958, present in more than 200 countries and territories, providing credit and debit cards with many attractive incentives.

● JCB: Brand from Japan, founded in 1961, present in more than 200 countries and territories

● MasterCard: Brand from the United States, founded in 1966, present in more than 210 countries and territories

● UnionPay: A brand from China, founded in 2002, focusing on the Asian market, currently expanding its operations globally

There are many domestic and foreign units issuing credit cards.

3. Card type

Credit cards come in many types with different limits and benefits, typically the following:

● Classic: For customers with an average income of 10 million VND/month or more. This type of card has a credit limit of 10 to 50 million VND depending on the bank, with incentives such as cashback, discounts, points, installment payments with interest rates from 0%... The procedure for making a Classic credit card is simple and quick, customers can open a card online on Mobile Banking to save time.

● Gold: For customers with average income, from 15 - 20 million VND/month or more. Gold card class has a credit limit from 50 to 200 million VND depending on the issuing bank, offering many attractive incentives such as accumulating points, discounts when paying for partner brands...

● Platinum: For customers with a minimum income of 30 million VND/month or more with a credit limit of up to 500 million VND, along with many exclusive incentives such as travel , golf services, insurance...

● Signature: For customers with high income, minimum from 40 million VND/month or more, maximum credit limit up to more than 1 billion VND, meeting all payment needs of customers with privileges and classy incentives such as luxury airport lounge experience, hotel booking, global travel insurance and many other services on an international scale without being limited to domestic...

● Infinite: Exclusively for a small number of premium members with global payment privileges, global premium personal assistant privileges, global travel insurance, premium airport privileges and thousands of other attractive offers for owners.

Premium Signature Credit Card at Techcombank

4. Usage needs

Credit cards are divided into many different types to suit the diverse needs of the owner, including:

● Cashback credit cards: When you use your card to pay your bills, you get a portion of your money back.

● Rewards credit cards: When you use your card, you accumulate reward points, which can be redeemed for money, gifts or other incentives.

● Travel credit card: Designed specifically for frequent travelers. Cardholders enjoy incentives when booking rooms, booking airline tickets and accumulating flight miles into attractive gifts.

Launch many attractive promotions for different types of credit cards
 

Choosing which type of credit card depends on your needs and spending habits. Hopefully, with the information we have just provided, you can choose to open a credit card that suits your personal needs.