Subjects of application

  • Customers who are the primary holders of Visa & Mastercard - Techcombank Spark credit cards (not applicable to JCB Dream Card) and customer credit cards must meet the conditions in the “Free conditions” section


 Free conditions

  • Card is in active status at the time of free review
  • The total value of spending in the previous year shall meet the minimum requirements specified in the following table:


Sort of card

Minimum spend within last 1 year

Techcombank Visa Signature Credit card

250.000.000 VND

Techcombank Spark/ Techcombank Style/ VNA Visa Platinum Credit card

150.000.000 VND

VNA Visa Gold Credit Card

100.000.000 VND

Techcombank Visa Classic/ VNA Visa Classic Credit Card

80.000.000 VND



The total value of expenditures (including primary and secondary cardholders' expenditures) calculated for 12 months from the date of collection of fees for the previous year, excluding refundable expenditures.