BIDV Card Fee Adjustments 2026

Understanding BIDV Card Fee Adjustments for 2026

In 2026, BIDV introduced a comprehensive update to its card fee structure. This guide breaks down the most important changes, explains the rationale behind each rule, and provides practical examples to help customers and bank staff apply the new policies correctly. By mastering these concepts, you will be able to answer client inquiries confidently, reduce misunderstandings, and ensure compliance with BIDV's latest fee schedule.

1. Card Management Fee Waivers

Private Class Cards

Key rule: All Private class cards are exempt from the annual card management fee, regardless of whether the card is physical or virtual. This exemption reflects BIDV's strategy to reward high‑value customers and encourage loyalty.

• Applicable to both debit and credit Private class cards.
• The waiver is automatic; no additional documentation is required.
• Other card classes (Classic, Gold, Platinum) do not receive this blanket exemption.

Classic Cards – Spending‑Based Waiver

For Classic class cards, the management fee is not automatically waived. Instead, BIDV introduced a spending‑threshold condition:

• If the cardholder spends 50 million VND or more in a calendar year, the management fee is waived.
• Spending below this threshold triggers the standard fee.
• The threshold is calculated on a rolling annual basis, meaning the total from January 1 to December 31 of the same year.

Example: A Classic card user who spent 45 million VND in 2025 will still be charged the fee in 2026 unless they reach the 50 million VND target before year‑end.

2. Foreign Transaction Fees

Visa SuperAds Card

The minimum fee for any foreign transaction on a Visa SuperAds card is set at 9,000 đ. This fee applies regardless of the transaction amount and is charged even if the transaction fails due to insufficient funds.

• Applicable to both successful and unsuccessful transactions.
• The fee is a floor; if the percentage‑based calculation yields a lower amount, the 9,000 đ minimum prevails.

Prepaid International Cards – Card Not Presented

When a prepaid international card is used for a foreign transaction without physical presentation (e.g., online purchase), the fee structure changes:

• Fee rate: 1.7 % of the transaction amount.
• Minimum charge: 9,000 đ.
• This rule is specific to prepaid cards; other card types follow different percentages.

Understanding the distinction between “card presented” and “card not presented” scenarios helps staff explain why a fee may appear higher for e‑commerce purchases.

3. Card Re‑issuance Fees After 20 / 08 / 2026

Effective 20 August 2026, BIDV revised the fee for re‑issuing a physical high‑end card (e.g., Platinum, Gold). The new fee is 500,000 đ per re‑issuance.

• The fee applies to both lost and damaged cards.
• Requests processed before the effective date retain the previous fee schedule.
• Virtual card re‑issuance remains fee‑free for all classes.

Bank employees should verify the request date to apply the correct charge.

4. Fees for Failed Transactions Due to Insufficient Balance

BIDV introduced a customer‑friendly policy for failed transactions caused by insufficient funds. The first two failed attempts each week are free of charge. Starting with the third failed transaction in the same week, the standard failure fee of 12,500 đ is applied.

• A “week” is defined as Monday 00:00 to Sunday 23:59.
• The fee waiver resets at the start of each new week.
• This rule encourages responsible spending while protecting the bank from excessive processing costs.

Example: If a customer’s card is declined three times on Tuesday, they will incur a 12,500 đ fee only on the third attempt.

5. Virtual Card Fees for Private Class Customers

Issuing a virtual card for a Private class customer carries a nominal fee of 50,000 đ, but this fee is waived for Private class holders. Consequently, Private class customers receive a completely free virtual card issuance.

• The waiver is automatic and does not require a separate request.
• For all other classes, the 50,000 đ fee applies unless a promotional waiver is in effect.

6. Card Termination Procedure

When a client requests to close a card, BIDV policy mandates a specific procedural step to protect both the bank and the customer:

• The employee must inquire about the reason for termination and make a genuine effort to retain the customer.
• If the client remains firm, the employee proceeds with the closure after documenting the reason.
• Skipping the inquiry or applying a termination fee without justification violates the policy.

This approach aligns with BIDV's customer‑centric philosophy and helps identify potential service improvements.

7. Summary of Key Fee Changes for 2026

• Management fee waiver: Automatic for Private class cards; Classic cards need 50 million VND annual spend.
• Foreign transaction minimum: 9,000 đ for Visa SuperAds; 1.7 % (min 9,000 đ) for prepaid international cards when not presented.
• Re‑issuance fee: 500,000 đ for high‑end physical cards after 20 Aug 2026.
• Failed transaction fee: First two weekly failures are free; subsequent failures cost 12,500 đ each.
• Virtual card fee: 50,000 đ nominal, waived for Private class customers.
• Termination protocol: Must ask the reason and attempt retention before closing.

8. Frequently Asked Questions (FAQs)

Q1: Does a Private class customer ever pay a card management fee?

No. The management fee is fully waived for all Private class cards, both physical and virtual.

Q2: How is the 50 million VND spending threshold calculated?

The total of all eligible transactions (purchases, cash advances, and fees) recorded on the card during the calendar year is summed. If the total reaches or exceeds 50 million VND, the annual management fee is waived.

Q3: What happens if a foreign transaction amount is very small, say 2,000 đ?

The minimum fee of 9,000 đ applies, so the customer will be charged 9,000 đ regardless of the transaction size.

Q4: Are there any exceptions to the free‑first‑two‑failed‑transactions rule?

The rule applies universally to all cardholders. However, if a transaction fails for reasons other than insufficient balance (e.g., technical error), the standard failure fee may still apply.

Q5: Can a customer request a fee waiver for a virtual card if they are not Private class?

Only Private class customers receive an automatic waiver. Other customers may qualify for promotional waivers, but these are not part of the standard 2026 fee schedule.

9. Practical Tips for Bank Staff

• Always verify the card class before quoting any fee.
• Check the transaction date to determine whether the pre‑ or post‑20 Aug 2026 re‑issuance fee applies.
• When handling failed transactions, track the weekly count to apply the free‑first‑two rule accurately.
• Document the reason for any card termination request; this protects both the bank and the customer.
• Use the spending‑threshold calculator for Classic cards to quickly assess fee‑waiver eligibility.

By integrating these practices into daily operations, staff can deliver consistent, transparent service and reinforce BIDV's reputation for fairness and clarity in its fee policies.