KBank Cashback Credit Card for Online Shopping – 2025 Guide

As e-commerce continues to boom, Vietnamese shopping habits are rapidly shifting toward the digital world. Online shopping has become an essential part of daily life. This shift has created a strong demand for payment methods that are flexible, secure, and offer extra value to users.Cashback credit cards for online purchases are becoming the go-to choice for many. Standing out among them is the KBank Cashback Credit Card, a card that not only meets high standards of security and convenience but also helps users save a significant amount on their monthly spending.In this article, we’ll show you how to make the most of this card in all your online transactions. Don’t miss out!

A Cashback Credit Card is a financial product that lets cardholders earn back a percentage of the money they spend on everyday purchases. Depending on the specific card and promotion, the bank will refund a set percentage of your total spending, usually credited directly to your outstanding balance in the next billing cycle.More than just a “buy now, pay later” tool, cashback credit cards for online shopping are favored by many because they don’t require complicated point tracking or reward conversions. You get clear, straightforward benefits from every transaction. Many rewards programs today require users to keep track of merchant category codes (MCCs), collect points, or redeem gifts which can be inconvenient and time-consuming. Meanwhile, today’s younger generation who are used to the ease of technology tend to prefer simple, easy-to-use financial products that deliver real value.That’s why cards with automatic cashback, applicable to a wide range of transactions (shopping, dining, online payments, etc.), are gaining popularity. These cards not only help users save more effectively but also offer peace of mind, thanks to transparent and clearly updated benefits.

Launched on April 25, 2024, KBank Cashback Plus is KBank’s first cashback credit card tailored for online shopping in the Vietnamese market. It was developed based on real consumer behavior research, aiming to meet diverse spending habits while maximizing benefits for modern users.With the vision of “one card - multiple benefits,” KBank Cashback Plus lets you manage all your daily expenses with just a single card. No more worrying about which card to use for different types of purchases, everything is simplified and optimized.

What makes KBank Cashback Plus stand out is its automatic cashback mechanism, without the complicated rules often found in other cards. Here’s what you get:

• 10% cashback on almost all everyday spending: online and in-store shopping, dining, travel, healthcare, entertainment, and more.
• 15% cashback when spending in Thailand - a big bonus for frequent travelers or those on business trips to the Land of Smiles.

What’s special about KBank Cashback Plus is that your cashback is automatically credited to your statement each billing cycle – no registration needed, no manual redemption, and no worries about missing out on rewards.
All your spending is clearly recorded and transparent, making it easy to track and fully enjoy every benefit the card offers.

KBank's cashback policy is simple and easy to understand:

• Get 1,500,000 VND cashback when your total spending reaches 6,000,000 VND within the first 30 days.
• Enjoy up to 1,000,000 VND cashback per billing cycle.
• 0.3% cashback on other eligible spending categories.

Another big plus: You can easily split large purchases into smaller, manageable payments:

• 0% interest installment plan for 3 months on transactions from 2,000,000 VND or more.
• No conversion fees – no interest – no repayment pressure.

Whether you're buying electronics or booking a vacation, you can manage your budget more efficiently without worrying about extra costs.

KBank provides a clear and simple fee structure to help you stay in control: Primary Card Annual Fee:

• Free for the first year
• 699,000 VND/year from the second year. Waived if your total spending in the 12 months before renewal reaches 40,000,000 VND
• Supplementary Card: Completely free
• Cash advance fee: 4% of the amount (minimum 50,000 VND)
• Foreign currency conversion fee: 3%

No hidden charges, no vague fine print, you stay in control of every cost associated with using your card.

To get the most out of your KBank Cashback Plus Card, instead of juggling multiple cards for scattered expenses, focus on consolidating your essential monthly spending such as:

• Shopping on e-commerce platforms
• Paying utility bills like electricity, water, and internet
• Spending at supermarkets and convenience stores
• Subscribing to entertainment services like movies and music

By gathering these transactions on a single card, you not only make budget management easier but also maximize your monthly cashback in the most efficient way.

Besides the fixed cashback rates, KBank regularly partners with major brands and shopping platforms to offer attractive promotions.Customers are encouraged to frequently check notifications on the K PLUS Vietnam app or visit KBank’s website so they don’t miss out on opportunities to boost the value of every purchase.

Ứng dụng K PLUS Vietnam app is a comprehensive personal finance management tool, giving you full control and access right at your fingertips:

• Fast money transfers 24/7
• Loan account activity tracking
• POS transaction monitoring
• Free transfers via VietQR
• Other useful features: statement requests, transaction lists, automatic e-receipt storage

This digital platform not only offers convenience but also enhances security for every online transaction, perfectly fitting the active lifestyle of modern users.

KBank has redefined credit access by offering flexible card application conditions that suit the diversity of today’s economy. Instead of focusing only on customers with fixed monthly salaries under the traditional model, KBank has opened financial doors for freelancers, online business owners, students, and more.

This option is available for Vietnamese citizens aged 20 to 60 who have at least 1 year of work experience, a monthly income of 10,000,000 VND or more, and hold at least one bank credit card that has been used for over 6 months.

This option requires no proof of income or work experience. It is open to all nationalities aged 18 to 80. Customers simply need to open a fixed-term VND deposit account at KBank with a minimum balance of 10,000,000 VND as collateral.This choice is ideal for business owners, freelancers, and individuals who cannot yet provide income proof, helping them easily access formal financial services.

The application process for the KBank Cashback Plus Card is fully digital, designed to offer maximum convenience. Documents Required

• Valid chip-based Citizen ID card (CCCD)
• Screenshot of the VssID app

If you haven’t registered for VssID yet, please provide one of the following document sets instead:

• Valid Employment Contract or Work Confirmation Letter
• Bank statements or payslips for the last at least 3 months. Note: For sales or business positions, bank statements covering the last 6 months are required.

Getting your KBank Cashback Plus credit card is easier than ever. With just a few simple steps right on the K PLUS Vietnam app, you can complete your application quickly and conveniently. Once your application is approved, your credit card will be delivered to your doorstep completely free of charge.The entire online application process for the KBank cashback credit card takes just 5 minutes, as follows:

• Open the app, go to the “Transactions” section, select “Credit Card,” then tap “Apply for Credit Card.”
• Read the introduction, then tap “Apply for Credit Card” to start.
• Complete face verification.
• Fill in your personal information, then tap “Continue.”
• Review all the entered information and agree to the Terms & Conditions.
• Enter the OTP code sent via SMS to complete the contract signing.
• Review the electronically signed contract, then tap “Continue.”
• Upload the required documents, including:
  Employment contract, bank statements, social insurance participation confirmation, and proof of residence.
• Tap “Submit Application” to finish the process.

After submitting your application, the bank will quickly contact you to notify the approval result usually within 7 days. Whether you’re a tech-savvy consumer or simply want better control over your monthly spending, the KBank Cashback Plus credit card is definitely a powerful tool to support you.With a host of real benefits, easy-to-use features, and a fast application process, the KBank Cashback Plus card not only helps you save smartly but also delivers a modern, convenient, and transparent spending experience.