VPBank Sustains Impressive Performance, Solidifies Leadership in Credit Card Market

According to a report by the Vietnam Bank Association’s Card Chapter, VPBank (Vietnam Prosperity Joint Stock Commercial Bank) solidified its market leadership in the first half of 2025. The bank achieved a remarkable total credit card transaction volume exceeding VND 90 trillion, accounting for approximately 16% of the industry’s total. Additionally, VPBank issued over 1.7 million new cards, reflecting robust growth in its customer base and active cardholders. This success underscores the bank’s long-term strategy and commitment to investing in consumer finance, a core pillar of its operations.

Financial experts attribute VPBank’s growth to its deep understanding of consumer behavior and its ability to drive modern spending trends. Rather than engaging in short-term promotional campaigns, the bank focuses on building a sustainable ecosystem of card products tailored to diverse customer segments. This approach has enabled VPBank to maintain steady growth among existing customers while rapidly expanding into new, high-potential markets, particularly among younger demographics. As a result, the bank has retained its top position in the personal credit card market while ensuring sustainable credit quality and growth.

A Comprehensive Card Ecosystem: Driving Growth and Competitive Advantage

To date, VPBank has launched over 21 credit card variants, catering to nearly every customer segment. For premium clients, the VPBank Private Visa Infinite card epitomizes luxury living, offering exclusive access to global privileges in travel, health, education, and golf. This card is more than a payment tool—it’s a gateway to a world of elite experiences. For priority customers, the Diamond World and Diamond World Lady cards provide exceptional cashback rewards and a luxurious spending experience. Catering to the younger generation, VPBank’s StepUp, Z Card, and Lady cards embody modernity and personalization, aligning with dynamic lifestyles and a thirst for new experiences.

In 2025, VPBank refined its card ecosystem around three core spending categories: Smart Shopping, Travel Experiences, and Holistic Wellbeing—reflecting the evolving needs of modern Vietnamese consumers.

In the Smart Shopping category, VPBank’s StepUp credit card leads the way in online shopping trends. It offers up to 15% cashback on all online transactions and 4% on dining, along with 0% installment plans on major e-commerce platforms. StepUp redefines “smart shopping” by maximizing value with every purchase.

For Travel Experiences, VPBank’s cards focus on rewards and global travel perks. The VPBank MC2 Mastercard and Platinum Travel Mastercard provide up to 10% cashback on flights and hotels, access to over 1,000 airport lounges worldwide, and comprehensive travel insurance valued at up to VND 10.5 billion. The YOJO Visa Platinum card offers 3,000 SkyPoints for new cardholders who complete three transactions of VND 3 million within the first 30 days. The UnionPay FreeWays card includes benefits such as 0% foreign transaction fees in China, 1.5% elsewhere, up to 4% cashback (capped at VND 1 million per statement period), and a welcome bonus of VND 400,000 for spending VND 2 million within 30 days of card issuance.

Recognizing that true fulfillment comes from within, VPBank’s Wellbeing category promotes a balanced, healthy lifestyle. The VPBank-California Fitness co-branded card offers welcome gifts, Health Points for rewards, and complimentary gym days. The Lady Mastercard extends discounts at spas, fitness centers, and nutrition clinics nationwide, along with 0% installment plans for life insurance and Elite Fitness services. These offerings empower customers to prioritize their health and well-being.

Expanding Exclusive Offers and Experiences for Cardholders

In October, VPBank cardholders enjoyed unprecedented exclusive deals. A partnership with leading tech retailers offered up to VND 4.5 million off the iPhone 17 at Cellphones, TikTok Shop, The Gioi Di Dong, and FPT Shop. The “2025 Discount Road” campaign transformed major streets in Hanoi and Ho Chi Minh City into hubs of savings, with over 70 dining and shopping outlets offering discounts for VPBank cardholders.

VPBank offers exclusive deals at top brands for its customers.

VPBank Day, held on the 15th of every month, has become a highly anticipated shopping event, featuring brands like Traveloka, Vietnam Airlines, Shopee, TikTok Shop, Apple.com, and Samsung. Cardholders also enjoy up to VND 800,000 off travel bookings on Agoda and free size upgrades at Highlands Coffee for Mastercard holders.

VPBank is enhancing customer engagement through interactive experiences. A livestream event on September 30, hosted by MC Quang Bảo and actor Hải Triều, attracted over 6.5 million views. Viewers could purchase iPhone 17, Apple Watch, or AirPods at 30-50% discounts when paying with VPBank cards. This successful format is set to continue in the coming months, offering more opportunities for cardholders to access premium products at unbeatable prices.

For detailed information on VPBank’s credit card offerings, please contact the hotline at 1900 54 54 15 or visit https://www.vpbank.com.vn/ca-nhan/the-tin-dung.