Enjoy the essence, enhance connection

Earn up to 10% cashback - Up to VND 12 million rebate per annum: dining, golf, health, insurance, education

Earn up to 10% cashback - Up to VND 12 million rebate per annum: dining, golf, health, insurance, education

Attractive cashback up to VND 12 million rebate per annum

(New feature applies from December 2022 statement period)

  • 10% cashback on dining spends at weekends
  • 10% cashback on health, education
  • 10% cashback on insurance sector (up to 300,000 VND/statement period)
Ưu đãi dịch vụ Golf

Receive 12 free rounds per year at 50 Golf Courses nationwide. See here

Time duration: from 01/02/2023 to 31/01/2024

  • Receive 12 free rounds per year at 50 Golf Courses nationwide. See here
  • Time duration: from 01/02/2023 to 31/01/2024
  • Hoàn 10% khi tổng chi tiêu dưới 10 triệu/kỳ (tới 500.000 VNĐ)

Chance to get big deals, up to 50% off

Up to 50% discount at more than 300 outlets under JOY World of Benefits

  • Hoàn 100% phí thường niên năm đầu khi chi tiêu từ 2 triệu VNĐ trong 30 ngày kể từ ngày kích hoạt
  • Hoàn 50% phí thường niên năm tiếp theo khi đạt tổng chi tiêu từ 150 triệu VNĐ trong năm liền trước
  • Hoàn 100% phí thường niên năm tiếp theo khi đạt tổng chi tiêu từ 250 triệu VNĐ trong năm liền trước

Flexible installment plan

Ưu đãi tới 50% tại hơn 300 cửa hàng trong Thế giới ưu đãi JOY

  • Flexible feature, transactions up to 24 months with your favorite partners. See here

Up to 45 interest-free days

Worry-free shopping with up to 45 interest-free days

Trả góp linh hoạt

  • Tính năng linh hoạt, giao dịch tới 24 tháng với các đối tác yêu thích của Quý khách tại đây
  • Tính năng trả góp 0% lãi suất tại các Đối tác lớn Sendo, FPT Shop, Nguyễn Kim,... tại đây

Điều kiện mở thẻ

  • Nationality: Vietnamese
  • Age: from 18 to 65
  • Income: from VND 15 million/month paid by wire transfer
  • Household/ Temporary residence registration book issued in the cities in which MSB's headquarter is placed
  • Terms and conditions of credit card issuance and usage See here

Điều kiện mở thẻ

  • Credit card issuance request
  • Identity Card copy
  • Household Registration Book copy
  • Temporary residence proof if not living at permanent residence address (utility bills, landline bills, Internet bills, or notice on utility, landline payment)
  • Income statement or other alternative proofs
Learn about fees and interest rates of  MSB Visa Signature

here

Annual fee

1.499.000 VND

Issuance fee

0 VND

Late issuance fee

4%

Overseas transaction fee

3%

Limit

4%

Interest rates

~ 2,5%/ month

Note: These fees and rates are VAT exclusive and subject to change from time to time

JOY World of Benefits

Enjoy up to 50% off deals at more than 300 outlets under JOY World of Benefits

Internet Banking/ Mobile Banking

Card management and fastest credit card outstanding repayment

Contactless payment

Easy, fast and secure transactions through Contactless

MSB Plus

MSB Plus provides multiple features such as rewards management, card management, cash rebate redemption

Privacy and security

Advanced protection by OTP and Verified by Visa for secured online shopping

Credit card e-statement

Credit card e-statement is sent directly to your registered email address in a secure and fast manner. This feature also helps reduce paper waste and protect the environment

Frequently Asked Questions

World JOY Of Offers