Eligibility Requirements for Opening a Credit Card at KBank
In today’s fast-paced digital economy, credit cards have become an essential financial tool offering convenience in spending, better personal financial management, and a wide range of attractive benefits. Understanding the requirements for opening a credit card is the first and most important step to owning this powerful tool. This article provides a detailed and comprehensive overview of the eligibility criteria, application process, and exclusive benefits of getting a credit card from Kasikornbank Vietnam (KBank).
About Kasikornbank Vietnam (KBank)
Kasikornbank (KBank) is one of Thailand’s leading financial institutions, with a legacy of over 80 years. As part of its strategic expansion into key markets in the region, KBank has officially established its presence in Vietnam, carrying the mission of delivering advanced and convenient digital financial solutions.
Caption: KBank – Thailand’s leading bank, bringing cutting-edge digital financial solutions to Vietnam.In Vietnam, KBank aims to provide comprehensive, innovative, and customer-centric financial solutions. By leveraging advanced digital technologies, KBank Vietnam is committed to offering convenient, secure, and efficient banking products and services for both individuals and businesses.
What Are Credit Card Eligibility Requirements and Why Do They Matter?
Credit card eligibility requirements are a set of criteria that individuals must meet in order to be approved for a credit card by a bank or financial institution. These requirements are designed primarily to help banks assess a customer's creditworthiness and ability to repay any debt incurred through card usage.
For banks, this process is essential for managing credit risk — the risk that a customer may not be able to repay the outstanding balance. For users, meeting these requirements not only proves financial stability but also helps establish a positive credit history, which can unlock more financial opportunities in the future.
Detailed Credit Card Requirements at KBank
Caption: KBank offers two flexible credit card options: unsecured and secured.
KBank understands that every customer has unique financial needs and backgrounds. That’s why we offer two flexible options for credit card applications: unsecured credit cards (based on income) and secured credit cards (backed by collateral).
Option 1: Unsecured Credit Card Requirements
This is the most common type of credit card, designed for customers with a stable source of income, typically from salary.
| Requirement | Detail |
| Nationality | This offer is available to Vietnamese citizens only. |
| Age | Between 20 and 60 years old. |
| Employment | Should be a salaried employee with at least 1 year of work experience. |
| Income | Monthly salary must be transferred via bank and be at least 10,000,000 VND. |
| Credit History | Must already have at least one credit card from another bank and have used it for more than 6 months. |
Option 2: Secured Credit Card Application Requirements
This option is a great solution for those who are not salaried employees, such as business owners, freelancers, students, or anyone who wants to get a credit card without having to prove their income.
| Requirement | Detail |
| Nationality | This offer is available to Vietnamese citizens only. |
| Age | Must be between 18 and 80 years old. |
| Collateral | Need to open a fixed-term deposit account in VND at KBank with a minimum amount of 10,000,000 VND. |
| Income | No specific requirements. |
| Credit History | Not required. |
Documents Required for Credit Card Application
Having all your documents ready will help make the approval process faster and smoother.
For unsecured credit cards:
- 1. A valid Citizen ID card with an embedded chip.
- 2. A screenshot of the VSSID app to show your social insurance participation history.
- 3. If you don’t have access to VSSID, you can provide alternative documents such as:
- A valid labor contract or an employment confirmation letter.
- Bank statements showing salary deposits or pay slips from the last 3 months (for sales or business roles, 6 months may be required).
Note: The bank may request additional documents like your labor contract and salary account statements to consider offering a higher credit limit.
For Secured Credit Cards
- You only need a valid Citizen ID card with an embedded chip.
Simple 4-Step Guide to Apply for a KBank Credit Card
Caption: Easily apply for a KBank credit card through the K PLUS Vietnam app in just 4 simple steps.
The KBank Credit Card Application Process is Fully Digitalized. You can now apply for a KBank credit card entirely through the K PLUS Vietnam app, making the process more convenient than ever.
- Step 1: Download and Open a K PLUS Vietnam Account. Get the K PLUS Vietnam app from the App Store or Google Play. Then, complete the e-KYC (electronic identification) process to open a KBank payment account online in just a few minutes.
- Step 2: Apply for a Credit Card. Once your account is set up, go to the “Services” section in the app, select “Credit Card”, and follow the instructions to fill in your application details.
- Step 3: Submit Your Documents. Upload photos of the required documents directly in the app. The system will guide you through taking clear and secure photos.
- Step 4: Receive Your Card and Enjoy Spending Benefits. Once your application is approved, your physical credit card will be delivered free of charge to your registered address. You can activate your card via the K PLUS Vietnam app and start spending to enjoy instant cashback rewards.
Getting a KBank Credit Card Has Never Been Easier. With two flexible application options and a fully digital process via the K PLUS Vietnam app, KBank aims to make modern financial products accessible to everyone.
Download the K PLUS Vietnam app and apply for the KBank Cashback Plus card today to start your smart spending journey and enjoy a world of exciting benefits!
