Spend with Ease Using NCB Credit Cards

In the context of rising living costs, many young families have proactively chosen to spend via credit cards. This is not only a convenient payment tool but also a smart consumption method, helping users optimize expenses, enjoy a comfortable life, and actively manage personal finances effectively.

Ms. Anh Thu (34 years old, Hanoi) shared, “In the past, I used to try to spend frugally, cutting down on living expenses as much as possible, especially during summer when costs like travel and summer classes for the kids arise. But honestly, saving is not the most optimal or long-term solution. The most important thing is to find a way to spend efficiently, within our means, while still having a fulfilling life and worthwhile summer experiences."

Not only Ms. Thu, more and more consumers—especially young families—are gradually changing their spending habits from “tight budgeting” to flexible consumption, leveraging credit card offers to manage household finances.

Capturing actual needs and modern consumption trends, National Citizen Commercial Joint Stock Bank (NCB) has continuously launched convenient Visa card products with a wide range of offers, closely aligned with modern consumer habits, providing a smart, safe, fast, and cost-efficient spending experience.

Proactive, smart spending

No longer limited to the concept of “spend now, pay later,” NCB Visa credit cards are increasingly chosen by young families as an effective financial tool. From daily expenses such as shopping at supermarkets or convenience stores to online bills and technology purchases, NCB Visa offers suitable benefits: 15% discount (up to VND 50,000/transaction, up to 5 times/month) when paying via Payoo POS at Family Mart convenience stores nationwide, up to VND 200,000 cashback per month when shopping on Shopee, up to 25% off on Lazada, up to VND 500,000 discount at Hoang Ha Mobile and up to VND 1 million discount at FPT Shop when paying with NCB credit cards.

NCB credit cards offer a smart, safe, fast, and cost-efficient spending experience.

For family bonding activities such as dining and weekend entertainment, NCB Visa continues to demonstrate its strength with offers like 10% discount (up to VND 500,000) at Fu Rong Hua Chinese restaurant chain before May 19, 2026, or KohYam Thai Kitchen until December 16, 2025, and 20% discount (up to VND 200,000) on bills from VND 800,000 at restaurants under the Golden Gate Group such as Kichi Kichi, Manwah, GoGi, iSushi, or Sumo BBQ.

In addition, with offers like up to 10% cashback when booking accommodation via Booking.com, 15% off at Agoda, or 12% off when booking flights on Trip.com, families can actively plan and enjoy quality vacations at good costs. When choosing to stay at high-end resorts like Premier Village Phu Quoc, Premier Village Da Nang, or Yoko Onsen Quang Hanh, NCB Visa cardholders can enjoy up to 20% off for accommodation, spa, and dining services. Specifically, at Novotel Danang Premier Han River, the offer reaches up to 30%, offering a great opportunity for the whole family to recharge and fully relax at an optimal cost.

Moreover, NCB Visa also accompanies every personal experience with highly practical offers aligned with Vietnamese consumer habits: up to 25% off each Xanh SM ride, 15% discount when enjoying coffee at Trung Nguyen Legend and E-Coffee when paying via Payoo POS using NCB Visa.

Comprehensive offers, enhanced user experience

Continuously expanding its network of quality partners and updating spending trends, NCB Visa is gradually establishing a comprehensive offer ecosystem to meet all user needs from essentials to premium experiences, helping customers maximize real usage value.

Especially, the offers are designed to closely match Vietnamese consumer behavior and spending habits, easy to apply, without complicated procedures—delivering a friendly, practical, and accessible experience for a wide range of users. The combination of financial utility and experiential value makes NCB Visa not just a payment method, but a trusted companion for modern families in every meaningful moment—from warm meals and joyful summer trips to educational investment plans for children.

The Visa Legacy card line from NCB is currently popular and widely chosen by users.

NCB also focuses on optimizing the initial experience for customers by simplifying the card issuance process. Accordingly, customers can quickly own an NCB credit or domestic debit card with just a few simple steps on the NCB iziMobile digital banking app: go to the “Card Services” section, select “Card Issuance,” and register for the card type that suits their needs. After the system verifies the information and provides approval results, cardholders can choose to receive a physical card at a branch, at home, or use the virtual card immediately for online transactions.

Standing out in NCB’s international card portfolio, the Visa Legacy line—with Classic, Gold, and Platinum versions—is gaining strong user preference. With elegant design, flexible features, and a series of attractive benefits in spending, shopping, and travel, this card line is considered an ideal choice for modern customers who value convenience and personalized experiences.

Continuously innovating its products, accelerating digitalization, and expanding cooperation with leading brands, National Citizen Commercial Joint Stock Bank (NCB) is affirming a new position in the consumer finance market, becoming a preferred choice and a trusted companion for customers in modern, intelligent living.

For more information or to apply for an NCB credit card, customers may contact NCB branches/transaction offices nationwide or call the hotline at (028) 38216216 – 18006166.