Credit Cards Uncovered: Real Stories from Card Real Talk

A Little Card That Packs a Powerful Punch

Lan Le, a dynamic VIB cardholder, shared that she was introduced to VIB through friends’ enthusiastic recommendations about its attractive benefits. “I remember back in December last year when I decided to get a VIB credit card,” she said. The card application process was seamless, with helpful advice from VIB staff, ensuring she understood the benefits of each card type. Ultimately, Lan Le chose the VIB Cashback card, perfect for her love of coffee and culinary adventures.”

The blue card is not only aesthetically pleasing but also offers exceptional benefits, including the ability to earn up to 10% cashback on dining, entertainment, and advertising expenses (up to 24 million VND per year). Lan Le excitedly shared, “Just two days after using my card, I received a significant amount of cashback in my account.”

Apart from cashback, Lan Le actively participates in VIB’s other promotions, such as the “VIB Spending Festival on the 20th of every month,” “Experience VIB card with up to 1.2 million VND cashback,” and the “Card Real Talk” series, which focuses on fun and voucher hunting. Additionally, the lifetime waiver of annual fees when activating the super-yield account is a significant advantage. For her, the VIB card has become “a trusted companion and an integral part of her life.”

A Card That Ensures Peace of Mind During Long-Distance Journeys

For travel enthusiasts, the VIB Travel Élite card is a must-have. Mr. Nhat Cuong, a frequent international traveler and VIB cardholder, shared his “wonderful experiences” with this card.

Cuong recalled two memorable incidents. The first was after his trip to Japan in December 2023, when he faced challenges in getting refunds for two canceled bus tickets. “I didn’t think I would be able to get my money back,” he remembered. However, thanks to the dedicated support from VIB’s 24/7 hotline, he successfully recovered the full amount of 22,300 Yen.

The second incident involved a suspicious transaction in Indian Rupees. VIB’s Risk Card Room proactively contacted him, blocked the card, and guided him through the investigation process. After two investigations, VIB helped him recover 30,000 Rupees (approximately 9 million VND) and provided a free card replacement.

Mr. Cuong is highly satisfied with VIB’s cardholder support services. Additionally, VIB Travel Élite stands out with its “1% foreign exchange fee with no minimum charge.” He affirmed, “I always use the Travel Élite card as my primary card when traveling because of its low transaction fees, mileage accumulation, and lounge access refunds. Thank you, VIB.”

User Experience – Real Value in the Digital Age

In the era of social media explosion, positive reviews and less-than-perfect experiences can spread quickly. And nothing is more reliable than hearing from real users with genuine emotions and experiences.

The stories of Lan Le and Nhat Cuong are just two among many positive experiences shared during the “Card Real Talk – Sharing Experiences of Using VIB Credit Cards” program. Running from March 10, 2025, to June 30, 2025, the program encourages customers to share memories and benefits of using VIB cards in various fields, including shopping, dining, travel, education, healthcare, and smart card management.

A VIB representative shared, “We believe that our customers’ real-life experiences are the most compelling and trustworthy proof of our products’ and services’ quality. In the age of social media, a positive share from a real person has a more powerful impact than any advertisement. Through Card Real Talk, VIB aims to create a community built on trust, where every customer can voice their unique stories, both positive and negative, thereby spreading the positive values that VIB credit cards bring to daily life and helping us improve continuously to deliver the best value to our customers.”

If you also have interesting stories about your VIB card, don’t hesitate to join Card Real Talk to share your experiences and win valuable prizes! Learn more about VIB card benefits and promotions here.