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4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
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The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
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After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

When the Covid-19 epidemic broke out, the payment trend in the economy shifted towards using more non-cash payment methods. You want to own a debit card to pay for cash replacement, but are still hesitant because you are not sure what kind of card this is? Don't worry, CashBerry will help you with the answer right away!

Credit cards and debit cards are increasingly popular as an alternative to cash. However, many people still confuse the functions and characteristics of these two cards. CashBerry will help you understand the similarities and differences between credit and debit cards through the article below.

What are credit and debit cards?

What is a debit card?

+ Debit card (debit card) is a card that allows the cardholder to conduct card transactions within the amount on the cardholder's current account opened at a payment service provider authorized to receive money. demand deposit.

The card was originally known as a cash card, with the ability to withdraw cash from the cardholder's payment account at automatic teller machines (ATMs). So this type of card is often called an ATM card.

Instead of before, the cardholder had to go to the bank transaction counter, queue in order to withdraw money, now the cardholder only needs to go to the ATM (of his or her bank or affiliated banks), Insert the card into the machine, enter your PIN, enter the amount to withdraw and receive money.

Because of this "automatic transaction" utility, the cardholder can withdraw cash at any time during the day, even outside working hours, during holidays, holidays and New Year.

From an ATM card with a simple feature of cash withdrawal, banks have developed a debit card with more diversified features. Fully integrated with ATM card utilities such as: withdraw money, check balance, transfer ..., debit card is now still used to buy goods at supermarkets or pay bills at stores. restaurant.

In particular, the debit card can be used to make payments for online transactions on the internet (to order air tickets, buy goods on e-commerce sites ...) with simple and easy operation.

* * In fact nowadays, some people identify the concept of debit card with "ATM card", this is not correct.

With the feature being issued based on the customer's checking account, "how much, how much", so the cardholder is completely active in spending within the amount of money in his or her account. However, the cardholder should also take care of account balance management to ensure that his or her transactions are carried out.

There are two types of debit cards widely used: domestic debit cards and international debit cards:

● Domestic debit card :     

A card with scope of use encapsulated in the country. You can use this card to pay for purchases at supermarkets, restaurants, service points, online shopping, etc., provided the store or service is in country.

The fee for using the local debit card differs depending on the policy of each bank that provides the card, but usually the card is used free of charge.

● International debit card:     

The usage is similar to the local debit card, but the usage is wider, at the global level. Unlike domestic cards, customers using international cards will incur a certain fee.

What is a credit card?

+ Credit card is a card that allows the cardholder to conduct card transactions within the credit limit granted under the agreement with the card issuer.

Usually, a credit card is issued to a cardholder by a bank for a certain limit on the basis of credit rating and appraisal, the cardholder's monthly salary or the amount of deposits or assets the owner has. secured card at the bank.

With the feature of "spend first, pay later", the credit card effectively supports cardholders to quickly perform goods payment transactions. In case you have financial difficulties, want to borrow money quickly but are not eligible to use a Credit Card.

Periodically to a certain date according to each bank's regulation, the bank sends a detailed statement of the previous month's expenditures of the credit card holder and requests the cardholder to pay.

Cardholder may choose to pay the amount before the deadline indicated in the notice, during which time the cardholder does not have to pay interest. If not, the cardholder can choose to pay the minimum amount, the rest can be paid slowly and interest will be charged according to the bank's regulations.

Banks often classify credit cards by class to manage customers such as standard cards, gold cards (gold), platinum cards, ... Cardholders use credit cards with ratings. the higher it is, the more incentives and quality services will be enjoyed.

If you repay the loan in full by the due date (shown on your monthly statement), interest will not be charged. Usually 45 days , even some banks can take up to 55 days . After the payment due date, the outstanding amount (outstanding balance) will be charged with interest rate as regulated.

Have to say, the credit card is a smart payment method, a form of a loan the bank is extremely favorable than with other forms of borrowing.

You can use your credit card to pay for shopping, entertainment or travel, with no need to carry cash. Especially when traveling or working in a foreign country without having to exchange foreign currency.

There are two popular types of credit cards today: domestic and international cards:

● Domestic credit card: With this card, you can only use it for within-country payments.     

● International credit card: You can make payments both at home and abroad with this card.     

Differentiate between credit and debit cards

To differentiate between debit and credit cards, you should first find out the differences between the two. The credit card and debit card comparison chart will give you an overview and details of the characteristics of each card:

Comparison criteria

Debit card



- Debit card is a payment card that replaces cash.

- The user is only allowed to spend and transact with the existing balance in the account.

- All spending will be directly deducted from the amount in the account.                                                                                        

- Credit card is a payment card, consumer payment first, pay later.

- The bank grants a certain credit limit to cardholders for spending according to their needs. Cardholder must return the used amount in full before the payment deadline indicated on the statement.

- After a maximum period of 45 days, the bank cannot fully refund, the cardholder will be charged with interest.

Card structure  


Icons (usually VISA or Mastercard)

- The words "DEBIT" above or below the icon of the payment unit

- Name and logo of the card issuing bank

- Card number, cardholder's name

- Card validity period


Magnetic strip contains encrypted information and safety check elements


- Symbol: word "CREDIT" on the card

- Name and logo of the card issuing bank

- Card number, cardholder's name

- Card validity period

- Electronic chip


Magnetic tapes contain CVC / CVI numbers

- Signature box for cardholders


Cash withdrawal, money transfer, savings deposit, mobile top-up ...

- Payment for goods, services ... cash replacement

- Cash withdrawals

- 0-1% interest installment conversion

Scope of use

Domestically and internationally

Domestically and internationally

Conditions of card making

Just need CMT / CCCD

The card holder must have: stable job, income proof records, average monthly income statement, labor contract, ownership papers….

Fees and interest rates

- Withdrawal fee: low

- Transfer fee: low

- Annual fee: low

However, international debit cards charge more than domestic fees.

- The fee for banking and Internet banking services may be charged or free depending on the bank.

- Withdrawal fee: 0-4% / total amount withdrawn

- Annual fee: high

- Banking and Internet banking service fee: free

- High interest rate if the outstanding balance is slow.


Very few incentives, almost none.

Many offers from card issuing banks and bank partners.

Limit of cards

Based on the amount the customer sends into the card.

Based on the limit that the bank grants the cardholder.

Credit history

Does not affect the card usage.

Effect on customer credit score and credit rating.

Level of expenditure

- Equal to the credit limit provided by the bank.

Normally, you won't be able to spend over your credit limit.

- Some banks allow overspending, but you will have to pay a fairly high fee.

- Based on how much money you have in your bank account.

- You must top up your card to spend. How many use that much.

Procedures for making cards

Prepare documents for opening card included

- Documentation to prove financial

- Profile proving personal information

- Profile proving residence information

- Profile proving current whereabouts

- Proof of work profile

You go directly to the bank or open an online card on its website.

- Prepare necessary documents such as photo ID card, card fee ...

Go to the bank branch and follow the instructions.

Credit card and debit card comparison table

The pros and cons of the debit card

The above comparison table has given you the first step to differentiate these two easily confused cards. To choose the right card to use, let's find out the pros and cons of the debit card with CashBerry right here.


● The debit card is considered to be the card with the simplest and fastest card-making process. Simply bring your citizenship or identity card to the bank branch you choose to issue your card with and follow the card opening instructions.     

● The usage fee of the debit card is very low. Normally, the domestic debit card's cash withdrawal fee at ATMs is only 1,000 - 3,000 VND. With international debit card, cash withdrawal fee is only VND 8,000 - 10,000     

● Debit card with transfer feature. You can easily transfer money to relatives, friends and partners with simple and quick operations at ATMs or through internet banking software or smart banking applications on your phone.     

● You can manage your payment according to the amount deposited to your debit card account, this helps you to be proactive in controlling and planning reasonable spending compared to other forms of credit payment.     


● Card holder must pay careful attention during card usage so as not to lose Pin code and password, the cardholder can easily lose money in bad transactions.     

● Besides, the limitation of the debit card is that there are very few incentive programs and gift services from issuing banks.     

After distinguishing between debit and credit cards, many people still ask questions: Is ATM card Debit or Credit card?

In fact, the ATM card is a domestic debit card, but this is the answer that is only partially correct, not completely correct.

ATM card is a common name for any type of card, can be transacted and withdrawn by ATM machine. As such, ATM card is not just domestic debit card, it includes debit card and credit card as well. The card has many functions such as payment, withdrawal, money transfer, phone card purchase, ...

It can be said that Credit Card and Debit Card is an electronic wallet that helps you to make all transactions at places accepting cards such as: shops, supermarkets, hotels, online sales websites.

Procedures and how to make Debit cards at banks

Currently, the need to find out what a Debit card is and make a Debit card is increasing day by day. To own a Debit card, you need to be eligible. On the other hand, your registration profile needs to be fully prepared.

Conditions for making Debit Card

● Age: ≥ 18 years old.     

● Subject: Vietnamese citizens or foreigners living and working in Vietnam.     

● Documents: fully in accordance with the regulations of the card issuer (citizen identification card, ID card). Particularly for foreigners who need a passport.     

● Own an account at the bank that applies for the card.     

● Some special cards such as the Gold Debit Visa Sacombank card require a minimum deposit amount in the bank.     

Debit Card procedures

The documents you need to prepare to be able to open a Debit card are as follows:

● Request or contract to use the Debit Card.     

● Citizen card or ID card, passport (foreigner).     

● Copy of household registration book (international Debit card).     

● Other documents as required by the bank.     

How to make a Debit Card

First, you need to go to the bank you want to apply for a Debit card. If you are not comfortable, you can register to open a card online on the website of the bank. Usually, the way to make a card at banks is as follows:

● Meet with a bank clerk and request a Debit card.     

● Staff ask you to present complete documents.     

● Complete the application form for the Debit card, sign and return.     

● Staff receiving information and processing.     

● You pay the card opening fee.     

● Bank staff receive money, print receipts and give you an appointment date to pick up your card.     

● After 3-7 days, you go to the bank to receive the Debit card.     

To ensure safety and security, after you receive the card you need to change the Pin code. You will do this conversion through the ATM of that banking system. The conversion operation is extremely simple.

How to use Debit cards effectively

In fact, not everyone who has a Debit Card in hand knows how to use the card to maximize its features. So, in addition to understanding what a Debit Card is, you need to know how to use it. The key to debit cards to perform transactions is the need to have money in the card. The usage of the card is as follows:

1. Look up card balance

You can use the Debit card to check the current account balance in the card. The common lookup is as follows:

● Directly at ATMs     

● Use E-Banking or SMS Banking services     

2. Transfer money inside and outside the system

Through Debit card, you can make money transfers inside and outside the system. The way to transfer money is as follows:

● At the ATM. You put the card in the machine and then type the Pin code. Then you transfer mode. You will perform the required operations on the machine. This way of transferring money is quite fast and simple.     

● Transfer money at the bank where you apply for the card. You need to bring your citizenship card or ID card.     

● Transfer money via E-Banking.     

During the money transfer process, you will be charged a fee regulated by each bank. Note: You need to enter the exact number of the account to transfer.

3. Withdraw money at ATMs

If you need cash, you can use Debit card to withdraw money. It is very simple, you just need to go to any ATM and make the withdrawal.

● Insert the card into the ATM in the correct direction     

● Enter the correct Pin code     

● Select the Vietnamese language mode     

● Choose withdrawal     

● The default numbers will be given on the machine for you to choose from. Or you can type the desired amount by yourself.     

Note: If you withdraw money at ATMs in the same system, it will be free of charge (some banks will charge). When you withdraw money at another ATM, the system will bear the withdrawal fee. This fee is determined by each bank. In addition, you should print the invoice to check the balance in your account.

4. Online payment

In the era of internet boom, Debit card has the effect of online payment. Most people use the card to pay for online shopping. To do this, you need:

● Fill in account number information     

● Expiration date     

● Fill in CVV, CVC number.     

In addition to shopping, Debit card can also be used to pay utility bills, telephone bills, ... via E-Banking.

To ensure safety, banks often send OTP codes to your registered phone numbers. After you enter the correct OTP, payment will be successful.

Besides, you should prioritize paying by Visa Debit or MasterCard with EMV chip. Thus, the security of the new card is high. In addition, you should only pay cards on reputable websites, to avoid hackers' intrusion.

5. Payment via POS machine

At commercial centers, supermarkets or Plaza, ... are equipped with POS machines for you to pay by Debit card. You just need to show the staff to swipe the card and enter the Pin code to finish. You only pay at locations with transparent documents such as confirmation invoices, ...

6. Payments while abroad

When you are abroad, you can use your international Debit Card to make payment. Or you withdraw money from an ATM. However, you will incur a currency conversion fee. This fee is around 4% of the amount paid or withdrawn.

For those who do not have a Debit Card, want to register, please refer to the information below.

Name of some reputable banks that issue Debit cards

Currently, most banks issue Debit cards. It is important to choose a reputable and quality bank to open your card.

1. Sacombank Bank

You can apply for domestic and international Debit cards at Sacombank.

- Domestic Debit card

When opening a domestic debit card at Sacombank, there is absolutely no fee for the card issuance fee. The incentives at the bank are as follows:

● Quick cash withdrawal     

● Transfer money easily and quickly     

● Online payment     

● Automatically pay for electricity, network, insurance, ...     

● Online Loan     

Card withdrawal limit:

● Not exceeding VND 100 million / day     

● 10 million VND / time     

Fee for withdrawal at ATM:

● ATM in the same network: 1,000 VND / time     

● Other system: 3,300 VND / time     

Fee for money transfer at ATM:

● ATM in the same network: 2,000 VND / time     

● Other system: 5,000 VND / time     

- International Debit card

Similar to the local Debit card, you are free to apply for a card. In addition, you also enjoy the following incentives:

● Link to deposit account     

● Simple and neat online payment     

● Withdraw cash at an ATM with a Visa logo     

● Have an extra card opened     

● Enjoy interest     

● Incentives when shopping.     

Sacombank International Debit Card has a maximum limit of 100 million VND per day.

2. Vietcombank Bank

Vietcombank issues both domestic and international Debit cards.

- Domestic Debit card

Customers opening domestic Debit cards at Vietcombank enjoy the following incentives:

● Quick and simple withdrawal     

● Quick payment via POS, internet and smartphone     

● Payment of service bills     

● Fast, neat transfer.     

When you register to open a Debit card, there will be a fee of 50,000 VND / card. The maximum withdrawal amount per day is VND 50 million, VND 5 million / time.

Fee for withdrawal at ATM:

● The same system: 1,650 VND / time     

● Other system: 3,300 VND / time     

Fee for money transfer at ATM:

● The same system: 3,300 VND / time     

● Other system: 5,500 VND / time     

- International Debit card

When you open an international Debit card at Vietcombank, you will be charged VND 50,000 / card. You are entitled to incentives such as:

● Refunds     

● Enjoy flight insurance     

● Enjoy preferential golf service     

● Promotion when shopping.     

Maximum amount you can withdraw in a day with Vietcombank international debit card:

● 50 million VND / day     

● 5 million / time     

Fee for withdrawing money at ATM: 1,100 - 10,000 VND / transaction

Fee for money transfer at ATM: 3,300 VND / transaction


BIDV Bank creates favorable conditions for customers to open domestic and international Debit cards. Customers will enjoy many attractive incentives.

- Domestic Debit card

● Quick and easy withdrawal and payment at ATMs, Pos machines.     

● Connect to BIDV Pay + service. So you can withdraw money at BIDV ATM by QR code with just a smartphone.     

● Payment via smartphone via apps: Samsung Pay, BIDV Pay +.     

● Online payment     

● Interbank money transfer at ATMs 24/7     

● Strict expenditure management.     

● Card issuance fee: 100,000 VND / card     

● Maximum withdrawal amount: 50 - 80 million dong / day, 3-5 million dong / time     

Fee for withdrawal at ATM:

● In the same network: 1,000 VND / time     

● Other system: 3,000 VND / time     

Fee for money transfer at ATMs of the same network: 0.05% / withdrawal amount

- International Debit card

You are completely free of charge when opening an international Debit card at BIDV. Maximum withdrawal amount is 100 million dong / day, 5 million dong / time.

Attractive offers:

● Discount 40% of the price when playing golf at the affiliate system     

● Attractive offers on cuisine     

● Insurance incentives     

● Accumulate bonus points after every transaction.     

Fee for withdrawal at ATM:

● In the same network: 1,000 VND / time     

● Other system: 10,000 VND / time     

Fee for money transfer at ATM: 0.05% / transaction, at least 2,000 VND.

4. TPBank

With TPBank, you can open domestic and international debit cards.

- Domestic Debit card

When opening a domestic Debit card at TPBank, the card issuance fee is 150,000 VND / card. But you are completely free when withdrawing money or transferring money at ATMs.

The maximum amount you can withdraw a day is 20 million dong / day. In addition, you also enjoy the following incentives:

● Quick cash withdrawal     

● Earn interest on the balance in the account     

● Earn points after every transaction     

● High security online payment.     

- International Debit card

As for TPBank, when you open an international debit card, you are completely free of the following fees:

● Card issuance fee     

● ATM withdrawal fee     

● Fee for money transfer at ATM     

In addition, you also enjoy the following incentives:

● Low currency conversion fee of 1.8%     

● 6% cashback when you make a payment for shopping at a major local supermarket.     

● Maximum withdrawal amount: VND 30 million / day, VND 5 million / time.     

After opening your debit card, to use it intelligently and effectively, you need to keep the following in mind.

Take note of the risks of using a Debit card you should know

1. Reveal your Pin and lose money

Although each card is equipped with a Pin code with high security. However, there are many cases where hackers have stolen all the money in their accounts. Especially when customers use online payment cards at an untrusted website.

These pages contain malicious code that makes all of your information exposed. From there, the bad guy can take advantage of and steal all of your money.

Therefore, you should only pay Debit cards online on reputable sites. In addition, you need to double-layer password. You can only initiate transactions with a security code. From there, the risk of information disclosure will be minimized.

2. Card is stuck at ATM

Sometimes you run into the irony of a card stuck in an ATM. Although your transaction is successful, the machine will not release the card. In addition, some machines release the card but do not give out money. Meanwhile, the machine reported the account has been deducted. So at this time, you must immediately contact the bank to promptly handle it.

3. Entering the wrong pin many times leads to lock the card

Sometimes we have forgotten moments, entering Pin codes many times that are not correct. If you enter more than 3 times, your card will be locked automatically. If you want to reopen the card, you need to have assistance from the card issuing bank.

4. Debit card scratched black magnetic tape on the back

Failure to store the card will cause the black tape on the back to be scratched. From there, you can hardly make payments or withdraw money. Because this black ribbon has the function of storing information. Besides, the verification and tracking of the subject's identity depend on this black magnetic strip. This is why you should keep your card very carefully.

Overall, the Debit Card will help you spend and manage your cash flow more efficiently in modern life. Hopefully with what you share above, you have a better understanding of what Debit card is. If you are looking for a convenient, quick financial solution, or want to borrow money online just 30 minutes quickly, you can contact With a solid financial advisory foundation, the company will bring you the best solution.

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