Techcombank Spark

The powerful rewards card for all spending sectors

Who can register?

People who have a minimum income of 10,000,000 VND/month

Card benefits

Earn points up to 8% for spending (*)

Flexible to change offer packages

Zero annual fee with conditions

0% interest instalment

- (*) Terms and conditions for the Techcombank Rewards program

- (**) Details of free annual fee

- Free interest up to 45 days 

Card Features

Contactless payment


Tap the Contactless card to pay quickly and conveniently

3D Secure technology


Apply the world's leading security technology to verify online transactions

Easy card management on Techcombank Mobile


Pro-actively lock/ unlock, manage credit limits and other online convenient features

24/7 Support


Techcombank always accompanies and is ready to meet the needs of customers anytime, anywhere

Earn points on every transaction


- Get 80 points for every 1,000 VND spent on travel, fashion, and entertainment transactions
- Get 20 points for every 1,000 VND spent on restaurant and online consumer transactions
- Get 1 point for every 1,000 VND spent on other transactions
*Maximum reward points per month: 500,000



Priority Customer

Techcombank Inspire Customer

Regular Customer

ISSUANCE FEE (based on new credit agreement)*

Free Free Free

ANNUAL FEE (annually, based on the validity period of card)

Free Free 899,000 VND/card

FOREIGN TRANSACTION FEE (applicable for all transactions not conducted in VND)

2.59% of transaction amount 2.59% of transaction amount 2.59% of transaction amount

SWITCHING COST FOR INSTALMENT TRANSACTIONS VIA CREDIT CARD (collected from cardholders who registered to switch from normal payment transaction into instalment transaction)

0.6%/ month * transaction value * instalment period (Instalment period from 1 month to maximum of 12 months)
*Instalment transaction value as regulated by Techcombank periodically

View all fees →

Techcombank Credit Card Fee Schedule

Frequently Asked Questions

Frequently Asked Questions

How many classes does Techcombank Spark international credit card have and what is the credit limit of each class?

Techcombank Spark international credit card is a Platinum class card of MasterCard, with a maximum credit limit from 50 million VND or more.

I already have a Techcombank Visa international credit card, can I be issued another Techcombank MasterCard international credit card?

Yes. You can maintain 2 types of credit cards at the same time. However, the total credit limit of both your credit cards at the same time cannot exceed the maximum credit limit granted to you by Techcombank.

I would like the bank to issue a supplementary card of Techcombank Spark international credit card for my child. So, does my child need proof of income?

According to Techcombank's regulations, supplementary cardholders do not need to prove their income

View more

Do you have any questions?
Let our consultants support you