Top 5 banks with the best credit cards and the most incentives today

Credit cards are an indispensable tool in modern life. Most people own 1 to 2 different types of cards. However, do you know which bank opens the best and most popular credit cards today? To answer this question, let's find out with Vi Tai Chinh in the following article.

Credit card concept and benefits of opening a card

A credit card is a type of bank card used to spend first and pay later. This is a new form of payment that replaces the traditional payment by cash. The nature of a credit card is also a bank loan, but if you pay the balance on time, you will need to pay additional interest.

Using a credit card brings the following benefits:

● Payment when shopping online or offline

● Enjoy many incentives from the bank compared to debit or prepaid cards

● Installment payment or Borrow money through credit card when buying big-ticket items

● 45-55 days interest-free if credit card balance is paid on time

Criteria for determining the best credit card bank

With the great advantages of credit cards, the demand for opening cards is increasing. Currently, there are many banks that accept opening credit cards, but among so many addresses, you need to set criteria to choose the best bank for you. Here are some criteria that Vi Tai Chinh has listed for your reference.

● Reputable bank: You should choose a bank with wide coverage, transparency and quick resolution of all problems.

● Credit limit: is the maximum amount of money you can use. Depending on your needs, choose a bank with a high or low limit.

● Annual fee: This is the annual fee charged to maintain and manage the card. Depending on the bank and type of credit card, there are different annual fees.

● Credit card interest rates: There are two types of interest rates: late payment interest rates and cash withdrawal interest rates. You should compare between banks to choose the one with the lowest interest rate.

● Promotions when using credit cards: Many banks cooperate with partners such as cinemas, shopping malls... to bring many attractive promotions to users.

Top 5 banks with the best credit cards today

Vietcombank

Vietcombank is certainly a bank that is no stranger to high coverage nationwide. With the provision of a variety of different types of credit cards suitable for many customer groups. The bank also offers many incentives, low annual fees and especially classifies each card such as: gold, green, standard... to give appropriate interest rates and limits.

BIDV Bank

BIDV is a prominent name in this list with the advantage of being suitable for many customers with an average income of 5-7 million. There are 2 types of credit cards: Vietravel Standard and Visa Flexi. Both types are issued free of charge and have late payment fees with the lowest interest rates.

Timo Digital Bank

Timo is the first digital bank in our country that is implemented through an app, so you can easily open a credit card simply at home. The registration procedure and the process of opening a Timo credit card are also quite simple. In addition, at Timo you also receive many attractive incentives that many other banks do not have.

Sacombank

Sacombank is also a bank that has many support packages for customers to open credit cards. The advantage of the card opening service here is that the procedure is very simple and you can open a card directly or online through the bank's website. Sacombank has a low monthly interest rate of only about 1% to 2.6% for all types of credit cards.

VIB Bank

VIB meets the criteria for opening a credit card as stated above. The bank offers many utilities so that you can open a card quickly and simply. In particular, VIB also supports foreign customers to open a Visa credit card with simple procedures.

Above is some information about opening credit cards of the 5 most highly rated banks that Vi Tai Chinh has compiled. For more detailed information and conditions for opening a card... you can contact the hotline directly: 0336-804-720. Vi Tai Chinh will advise and help you get the most satisfactory answer.

Contact information

Website: Vitaichinh.vn

Financial Wallet Company Limited

Tax code: 0317596487

Phone: 0336-804-720

Mail: [email protected]

Head office: 351 Nguyen Son, Phu Thanh ward, Tan Phu district, Ho Chi Minh city

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