BAC A BANK offers refunds up to 20%, lifetime annual free for credit cardholders

Attractive promotional combo for first-time cardholders

The credit card market in Vietnam is entering a competitive phase not only in terms of scale but also in terms of quality experience. As users are increasingly selective, prioritizing transparent and accessible spending solutions instead of short-term incentives, Bac A Commercial Joint Stock Bank (BAC A BANK) has just officially launched the program "Discover new cards - Refund up to 20%". Not bound by complex rules or multi-layered conditions, the Program is designed in the direction of "opening a card is beneficial", bringing stable and practical value throughout the life cycle for BAC A BANK MasterCard international credit cardholders.

Specifically, from April 1, 2026 to the end of June 30, 2026, customers who open an international BAC A BANK MasterCard credit card for the first time will receive a 20% refund for the first transaction, with a maximum refund of 150,000 VND and a minimum of 50,000 VND per card. Incentives are applied simultaneously to both BAC A BANK Cashback Platinum and BAC A BANK Rewards Gold cards - two products aimed at customer groups with diverse shopping needs, from daily "shopping" to tourism and entertainment but sharing the common need to optimize financial benefits in each transaction.

Notably, customers who open a card before May 31, 2026 also enjoy a lifetime free annual policy - a long-term benefit that helps save significant card usage costs. Participation conditions are relatively simple: customers only need to achieve a minimum spending level of 3 million VND for Rewards Gold cards and 5 million VND for Cashback Platinum cards, within 45 days from the card issuance date.

Compared to the general level of the market, the combination of long-term annual cashback and free offers is considered a suitable step for current consumer behavior, an effective strategy to attract new users, especially young customers who prefer smart and convenient payment methods.

Elevating the experience, increasing benefits at each "touch point" of consumption

Not stopping at card opening incentives, BAC A BANK also integrates many attractive privileges for credit cardholders to enhance customer experience. Users can enjoy discounts of up to 100,000 VND when shopping on Shopee, discounts of up to 30% at Golden Gate restaurant system nationwide, 15% refund at TH truemart chain stores, 1% refund when paying tuition fees at TH School, up to 50% discount for Xanh SM services and apply them in parallel with the attractive cashback Platinum card (up to 6 million VND/year)...

These incentives are not only practical but also closely follow the daily essential needs of users - from eating, shopping to traveling. This is also a popular trend in modern credit card development strategies, as banks are increasingly focusing on building a diverse partner ecosystem, covering consumer "touch points", instead of just focusing on timely incentives.

Sharing about her actual experience, Ms. Huyen Trang (30 years old, office worker in Hanoi) said: "I have opened a few cards before, but frankly, I don't remember what incentives I received, because the conditions are quite complicated and complicated. But with this BAC A BANK program, just the first transaction and there is a refund, I find it very practical. In addition, being free of charge for life makes it possible for me to be assured to use the card for a long time without having to consider maintaining or canceling the card as before. The important thing is that the accompanying incentives of BAC A BANK cards are linked to my regular shopping needs, not just for show.

From a banking perspective, BAC A BANK identifies credit card development as not only providing a means of payment, but also a comprehensive financial solution for customers. Through practical incentive programs such as "Discover new cards - Refund up to 20%", BAC A BANK wishes to accompany users in the journey of smart consumption, cost optimization and improved quality of life. In the coming time, the bank will continue to expand cooperation with major partners in many fields, bringing more added value to cardholders.