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

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

Up to 1%/year extra in Savings

On deposit increase (up to 200 million VND) when you open new 3, 6 or 12-month savings on Inspire Day

MyCash: Up to 10%/year lower

Enjoy a lower-than-usual interest rate on advance money in MyCash overdraft account

2 free lucky account numbers

Personalise your account number based on your birthday, feng-shui or anything you like!

1%/year reduction in Personal Instalment Loan

When you apply for a loan on Inspire Day

Auto-Earning: Booster up to 1.5%/year

Earn more yeild when using Auto Earning product

Exclusive Inspire design

Dedicated design on Techcombank Mobile, make it easy for you to explore all the benefits ready at your fingertip

Special benefits according to Sub-tier membership

Earn Techcombank Rewards points on any purchase of 100,000 VND or more with Techcombank partners:

Sub-tier Inspire: Earn 5% (max 200,000 points/month)
Sub-tier Inspire Pro: Earn 10% (max 300,000 points/month)
Sub-tier Inspire Max: Earn 25% (max 700,000 points/month)

Details of Partners

Waive card fee and Credit limit privilege up to VND 100 million

Sub-tier Inspire and Inspire Pro: Zero card issuance fee and annual fee refund/waiver for the following years, when you meet the required spending conditions.
Sub tier Inspire Max:
- Free card issuance and refund annual fee of lifetime membership (except Infinite & Signature card)
- Credit limit privilege from 20 to 100 million VND (applicable to credit cards, non-collateralized installment loans and MyCash) (Applied for Sub tier Inspire Max members with average assets in the last 3 months or investment assets of VND 200 million and above)

Inspire Tier conditions

Inspire membership program T&C

Techcombank Rewards T&C

Inspire Tier conditions

SUB-TIER INSPIRE ’S CONDITION
Eligible to Techcombank’s period-specific selection criteria
SUB-TIER INSPIRE PRO ’S CONDITION
Customers satisfy one of the following conditions:
Average total assets in the last 3 months: From 100 million to under 200 million VND 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
Total new deposits within 1 day: From 100 million VND Deposits include: Savings (3-month term at least) Term deposits (3-month term at least) Certificates of deposit (excluding certificates of deposit in Auto-Earning balance)
Number of active transactions in the last 30 days (on current accounts, credit cards, debit cards): From 40 transactions  And average current account balance in the last 3 months: From 30 million VNDD
SUB-TIER INSPIRE MAX ’S CONDITION
Customers satisfy one of the following conditions:
Average total assets in the last 3 months: From 200 million VND 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
Total relationship value in the last 3 months: From 250 million VND Total relationship value comprises average total assets and outstanding secured loans (excluding loans secured by valuable papers, loans secured by bonds and secured overdraft loans)
Value of bonds and funds by Techcom Securities: From 200 million VND

Open up connections with friends and family to experience

Family banking

Achieve life goals and share
exclusive privileges with your
beloved family

Explore now

Friend banking

Share offers and enjoy
with friends

Explore now

Experience Inspire Privileges

Track your membership status on Techcombank Mobile and
enjoy Inspire-exclusive experiences.

Start Your Experience Now

arrow_forward

You might want to know

What are the conditions to join Techcombank Inspire?

Inspire has 3 membership tiers: Inspire Member, Inspire Pro Member, and Inspire Max Member, each with different requirements.

Inspire Member

Inspire Pro Member

Inspire Max Member

Customers who meet the eligibility criteria set by Techcombank from time to time

Customers must meet one of the following conditions:

1. Have an average total asset balance over the past 3 months from VND 100 million to less than VND 200 million, including current accounts, deposits (savings deposits, term deposits, certificates of deposit), bonds, and fund certificates at Techcom Securities.

2. Have new deposit transactions of at least VND 100 million in one day, including savings deposits, term deposits of at least 3 months, and certificates of deposit (excluding certificates of deposit counted as auto-invest balance).

3. Have at least 40 active transactions on current accounts, debit cards, or credit cards within 30 days, and maintain an average current account balance of at least VND 30 million over the past 3 months.

Customers must meet one of the following conditions:

1. Have an average total asset balance over the past 3 months from VND 200 million or more, including current accounts, deposits (savings deposits, term deposits, certificates of deposit), bonds, and fund certificates at Techcom Securities.

2. Have a total financial relationship value over the past 3 months from VND 250 million or more (*).

(*) The total financial relationship value is calculated as the sum of the average total asset value over the last 3 months (including term deposits, current account balances, Bảo Lộc certificates of deposit, bonds, and fund certificates) plus the total outstanding real estate and auto loans.

3. Have bond and fund certificate transactions at Techcom Securities worth VND 200 million or more.

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 many exclusive benefits compared to regular customers, including:

Free of charge for 02 lucky account numbers.
An additional interest rate of up to 1%/year on incremental balances when opening a deposit on Inspire Day, up to VND 200 million, with terms of 3, 6, or 12 months
An immediate 1%/year interest rate reduction for new unsecured consumer loans on Inspire Day.
An extra 0.25% interest bonus, up to 1.5% for business owners/investors/self-employed individuals.
An overdraft My Cash interest rate at least 10% better than regular customers.
Exclusive reward points up to 25% of transaction value, capped at VND 700,000/month when increasing engagement with Inspire.
Double the chance to win tickets for music and sports events organized/sponsored/co-invested by TCB.
Other benefits as updated by TCB from time to time.

Each Inspire membership tier will have different benefit levels.

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"

everyday

Why not?