Techcombank Inspire - The world is bigger when we have each other

Unlock a world of exclusive privileges created just for Inspire Members.

Higher Savings Interest Rates

Earn up to 1% extra interest per annum on new deposits of 20 million VND or more, with terms of 3, 6, or 12 months during Inspire Week.

Attractive MyCash Overdraft Interest Rates

- Preferential interest rates from 13.9% p.a.

- Up to 15 days of interest-free (applicable to Inspire Max members)

Special unsecured loan offer when you apply on Inspire Day

- Reduced 1%/year interest rate on unsecured consumer loans

- Up to 20% discount on credit card installment conversion fees

- (Inspire Day: Regularly on the 25th & 26th of each month. If it falls on a weekend or public holiday, the time will be adjusted flexibly according to official announcements from Techcombank)

Higher Auto Earning interest rate

0.25%/year plus to Auto Earning interest overall rate for balances of VND 5 million or more.

Special benefits according to Sub-tier membership

Inspire Pro members
- Credit Card Benefits: Up to 20% U-Point refund on spending (maximum 1.1 million U-Points/month)
  - Up to 10% refund, maximum 200,000 U-Points/month at partner merchants (*)
  - Up to 10% refund, maximum 700,000 U-Points/month for transactions corresponding to each card type
- Debit Card Benefits: Up to 200,000 U-Point refund when spending 2 or more transactions totaling 2.5 million VND
  - 2% refund on transactions in the Convenience Store, Supermarket, and equivalent sectors
  - 5% refund on transactions in the Entertainment, and F&B sector

Inspire Max Members
- Free card issuance and lifetime annual fee waiver (except for Visa Infinite & Signature cards)
- Credit Card Benefits: Up to 25% U-Point refund on spending (maximum 1.3 Million U-Points/month)
  - Earn up to 15% U-Points (maximum 300,000 U-Points/month) at partner merchants (*)
  - Earn up to 10% U-Points (maximum 700,000 U-Points/month) for transactions corresponding to each card type
- Payment card offer: Earn up to 300,000 U-Points when spending 2 or more transactions totaling 3 million VND
  - Earn 2.5% of transaction value in the Convenience Store, Supermarket and equivalent sectors
  - Earn 6% of transaction value in the Entertainment, and F&B sector
- Pre-approved limit up to 100 million VND: Applicable to Credit Cards, Unsecured Installment Loans and MyCash Overdrafts

(*) Credit card reward areas:

Phuc Long, Phe La, Highlands Coffee, Katinat, The Coffee House beverage stores with invoices of 100,000 VND or more
Supermarkets Winmart, AEON Mart, CoopMart, Golden Gate restaurants, and online shopping platforms such as Shopee (excluding bill payments), Shopeefood, and TikTok Shop, with invoices of 500,000 VND or more.

Inspire Tier conditions

Inspire membership program T&C

Techcombank Rewards T&C

Inspire Tier conditions

SUB-TIER INSPIRE PRO ’S CONDITION
Customers satisfy one of the following conditions:
1. The customer has an average total asset value over the last 3 months of VND 100 million to less than VND 200 million Your assets include: Current accounts Deposits (savings, term deposits, certificates of deposit) Bonds and funds by Techcom Securities
2. The number of active transactions on the current account, debit card, and credit card in the last 30 days reaches 40 or more transactions, and the current account has an average balance of at least VND 30 million over the last 3 months.
3. Total new deposits made in a single day must be VND 100 million or more, including savings, term deposits with a minimum of 3 months, and certificates of deposit (excluding certificates of deposit included in the Auto Earning Balance).
SUB-TIER INSPIRE MAX ’S CONDITION
Customers satisfy one of the following conditions:
1. Average total assets in the last 3 months of VND 200 million or more, including: Your assets include: Current accounts (include balance in current account activated Auto Earning) Deposits (savings, term deposits, certificates of deposit) Bonds and funds by Techcom Securities
2. Total value of financial relationships in the last 3 months of VND 250 million or more (). () Total value of financial relationships is calculated by summing the average asset value in the last 3 months (assets here include term deposits, savings in current accounts, Bao Loc certificates of deposit, bonds and fund certificates) and the total outstanding real estate and automobile credit. And the total secured credit balance with a term of 12 months or more (excluding loans secured by valuable papers, bond-pledged loans, and secured overdrafts).
3. Total new deposits made in a single day must be VND 200 million or more, including savings, term deposits with a minimum of 3 months, and certificates of deposit (excluding certificates of deposit included in the Auto Earning Balance). Simultaneously, there must be a Bill Payment or Auto Bill Payment transaction within the last 3 months.
4. The average balance of the current account (CASA) and the Auto Earning Balance over the past 3 months must be VND 120 million or more.
5. Individual customers must have credit card spending of VND 10 million or more and 20 or more active transactions each month for 3 consecutive months. (The verification date is the 20th of each following month).

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You might want to know

What are the conditions to join Techcombank Inspire?

Inspire has 2 membership tiers: Inspire Pro Member, and Inspire Max Member, each with different requirements.

Inspire Pro Member

Inspire Max Member

Customers must meet one of the following conditions:

1. The customer has an average total asset value over the last 3 months of VND 100 million to less than VND 200 million, including current accounts, deposits (savings, term deposits, certificate of deposits), bonds, and fund certificates at Techcom Securities.

2. The number of active transactions on the current account, debit card, and credit card in the last 30 days reaches 40 or more transactions, and the current account has an average balance of at least VND 30 million over the last 3 months.

3. Total new deposits made in a single day must be VND 100 million or more, including savings, term deposits with a minimum of 3 months, and certificates of deposit (excluding certificates of deposit included in the Auto Earning Balance)

Customers must meet one of the following conditions:

1. Average total assets in the last 3 months of VND 200 million or more, including current accounts, deposits (savings deposits, term deposits, certificates of deposit), bonds and fund certificates at Techcom Securities.

2. Total value of financial relationships in the last 3 months of VND 250 million or more (*).

(*) Total value of financial relationships is calculated by summing the average asset value in the last 3 months (assets here include term deposits, savings in current accounts, Bao Loc certificates of deposit, bonds and fund certificates) and the total outstanding real estate and automobile credit., the total secured credit balance with a term of 12 months or more (excluding loans secured by valuable papers, bond-pledged loans, and secured overdrafts).

3. Total new deposits made in a single day must be VND 200 million or more, including savings, term deposits with a minimum of 3 months, and certificates of deposit (excluding certificates of deposit included in the Auto Earning Balance). Simultaneously, there must be a Bill Payment or Auto Bill Payment transaction within the last 3 months.

4. The average balance of the current account (CASA) and the Auto Earning Balance over the past 3 months must be VND 120 million or more.

5. Individual customers must have credit card spending of VND 10 million or more and 20 or more active transactions each month for 3 consecutive months. (The verification date is the 20th of each following month).

The system will calculate membership eligibility daily and notify customers if there is a change in membership tier.

What benefits do I receive when joining Techcombank Inspire compared to regular customers?

When joining Techcombank Inspire, customers enjoy more exclusive benefits, including:

Exclusive U-Point reward points up to 25% on card spending, up to a maximum of 1,300,000 U-Points/month.
An additional 1%/year interest rate on new deposits from VND 20 million, with terms of 3, 6, or 12 months during Inspire week.
1% discount on unsecured consumer loan interest rates when registering on Inspire Day
Up to 20% discount on credit card installment conversion fees when registering on Inspire Day
Additional 0.25%/year and up to 1.75%/year interest on the Auto Earning balance for Business Owners/Investors/Merchants
Preferential My Cash overdraft interest rate starting from only 13.9%/year
Double the chance to win tickets to music and sports events organized/sponsored or co-invested by Techcombank
Free 2 lucky account numbers
Other benefits as per Techcombank's regulations from time to time
Different benefits apply to each Inspire tier

How do I know which tier I am in?

Customers can log in to Techcombank Mobile --> select Membership Information --> the screen will display membership status (including Inspire/Priority/Private tier and detailed tier information) and corresponding benefits.

If I become an Inspire Max member through the Family Banking program but do not meet the individual conditions, what benefits do I receive?

You will still receive the full benefits of an Inspire Max Member.

If I qualify for a higher membership tier, how soon will I be upgraded?

Techcombank automatically identifies eligible customers daily. Membership tier and benefits will be updated on the next business day.

How does the cashback percentage mechanism work?

Customers will receive cashback as reward points through Techcombank Rewards immediately after TCB confirms that the transaction meets the program’s conditions.

If I change my membership tier during the month, how will the cashback percentage be calculated?

The cashback percentage will be calculated according to the membership tier at the time the transaction occurs. The maximum reward points will not exceed the limit applicable to the highest tier achieved during the month.

If I am an Inspire member and make payment using a Techcombank Everyday or Techcombank Spark card, will I still earn points under the card’s features?

Customers will earn reward points from both the Inspire Membership program and the card’s point system if the transaction meets the conditions of both programs.

If I am an Inspire member, will I get a credit card annual fee waiver?

Inspire Max members are entitled to a lifetime annual fee waiver for their primary credit cards (except for Signature and Infinite cards).

Inspire and Inspire Pro members will receive a first-year annual fee refund and will enjoy annual fee waivers for subsequent years if they meet the card’s spending requirements.

Will Techcombank Inspire offer any additional benefits in the future? How can I stay updated on these offers?

Promotional programs will be added or adjusted from time to time and will be updated on Techcombank’s website. You may also receive updated information from our personal advisors team.

What do I need to do to join this program?

Customers who meet the eligibility criteria for Techcombank Inspire will automatically be enrolled without needing to register or submit any additional documents. Customers will receive a notification from Techcombank via email or the Techcombank mobile app.

Do I have to pay any additional fees to be a member?

Eligible customers do not have to pay any additional fees to enjoy the benefits of the Inspire membership program.

What happens if I no longer meet the Inspire conditions after 6 months? What should I do to continue enjoying the benefits?

After 6 months, if you no longer meet the conditions, you will still enjoy the benefits of the Inspire membership for an additional 6 months. If you still do not meet the requirements after this period, you will no longer receive Inspire membership benefits until you meet the conditions again. To continue enjoying the benefits, you need to meet the program’s requirements or pay a fee as regulated by Techcombank from time to time.

I believe I am qualified for the conditions for Techcombank Inspire but have not received any notification. What should I do?

You can contact Techcombank’s hotline at 1800 588 822 (within Vietnam) or +84 24 3944 6699 (from abroad) or visit the nearest branch for assistance and clarification.

Open up a "bigger world"

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Open up a "bigger world"

everyday

Why not?

Unlock a world of exclusive privileges created just for Inspire Members.

Special benefits according to Sub-tier membership

Inspire Tier conditions

Open up connections with friends and family to experience

Family banking

Friend banking

Explore Inspire Privileges

You might want to know

What are the conditions to join Techcombank Inspire?

What benefits do I receive when joining Techcombank Inspire compared to regular customers?

How do I know which tier I am in?

If I become an Inspire Max member through the Family Banking program but do not meet the individual conditions, what benefits do I receive?

If I qualify for a higher membership tier, how soon will I be upgraded?

How does the cashback percentage mechanism work?

If I change my membership tier during the month, how will the cashback percentage be calculated?

If I am an Inspire member and make payment using a Techcombank Everyday or Techcombank Spark card, will I still earn points under the card’s features?

If I am an Inspire member, will I get a credit card annual fee waiver?

Will Techcombank Inspire offer any additional benefits in the future? How can I stay updated on these offers?

What do I need to do to join this program?

Do I have to pay any additional fees to be a member?

What happens if I no longer meet the Inspire conditions after 6 months? What should I do to continue enjoying the benefits?

I believe I am qualified for the conditions for Techcombank Inspire but have not received any notification. What should I do?