HSBC Thẻ tín dụng Cập nhật lần cuối: 08/10/2026

HSBC LiveFree Credit Card

Apply online for an HSBC LiveFree Credit Card. Shop and spend flexibly with no annual fee, an interest-free period, and an interest-free instalment plan.

Be in the moment, live freely without fees with an HSBC LiveFree Credit Card.

Buy now, pay later with a 0% interest instalment plan and no annual fee

Break free from a boring life, crave new experiences and pursue your passion with HSBC LiveFree Credit Card now.

Apply now for HSBC LiveFree Credit Card

Our welcome offer to you

Pay no issuance fee in the first year (saving VND385,000) and get cashback of up to VND2 million for new primary cardholders. Welcome offer terms and conditions apply.

Enjoy a card with daily offers and zero fees

No issuance fee or annual fee

When you meet our easy spending conditions[@cards-livefree-tc-details], you'll pay no issuance or annual fees.

0% interest instalment plan

Shop with ease with our 0% interest instalment plan at hundreds of HSBC's partners or with a low conversion fee at any other merchants.

More attractive offers

Power up with tempting daily discounts of up to 50%.

HSBC LiveFree Credit Card perks and privileges

LiveFree without fees

Live your life to the full with no worries about fees.

For features and benefits of the HSBC LiveFree Credit Card opened before 1 April 2022, visit Frequently asked questions for HSBC LiveFree Credit Card.

Free issuance fee and annual fee when you meet simple spending conditions[@cards-livefree-tc-details]

Enjoy an interest-free period of up to 55 days

Enjoy the flexibility of an instalment plan for any spending

Easily stay on top of your finances by converting your big spends into manageable instalment plans.

Buy your favourite items from HSBC partners and convert them into 0% interest instalment plans with no fee and tenors up to 24 months

Convert any purchases with other merchants valued from VND2 million into a 0% instalment plan with a low conversion fee. Find out more about our 0% instalment plan.

More attractive offers every day

Get smart with your spending and enjoy our latest daily offers

Enjoy a wide range of amazing shopping deals and discounts from Visa – learn more on the Visa website

Shop to your heart's content with deals of up to 50% at hundreds of our partners with our home&Away offers and daily offers

Share the perks of LiveFree with friends and family through our member-get-member offers

Explore our daily offers

Explore our daily offers This link will open in a new window

Things you should know

Who can apply?

To apply for an HSBC Visa Classic LiveFree Credit Card, must meet all of the following criteria:

Be at least 21 years old;
Have a minimum monthly income of VND6 million transferred from a company account if you're a salaried Vietnamese citizen, or VND40 million if you're a self-employed Vietnamese citizen, a salaried foreigner, or a Vietnamese citizen and business owner;
Be working and residing in the following cities or provinces: Phu Tho, Bac Ninh, Quang Ninh, Hung Yen, Ha Noi, Hai Phong, Ninh Binh, Hue, Da Nang, Dong Nai, Ho Chi Minh City, Tay Ninh, Can Tho, Dong Thap;
If you're a foreigner staying in Vietnam, your identification documents and residence proofs must be valid for at least 2 months from the time of card application.

You'll need to submit the following information to apply for this credit card:

A completed credit card application form
Identification documents for the primary cardholder and any supplementary cardholders
Current proof of address
Employment and income documents for the primary cardholder

You can learn more about what you need to submit from our list of required documents (PDF).

HSBC LiveFree Credit Card terms and conditions (PDF)

HSBC LiveFree Credit Card terms and conditions (PDF) Download link

Credit card cardholder agreement (PDF)

Credit card cardholder agreement (PDF) Download link

Bank tariffs (PDF)

Bank tariffs (PDF) Download link

How to protect your credit card (PDF)

How to protect your credit card (PDF) Download link

How we calculate your finance charge

User guide to credit cards

Tips on using your credit card

Type of fees and charges | Details

Issuance fee (Primary card) | VND385,000

Issuance fee (Supplementary card) | Free

Annual fee (Primary Card) | VND385,000 No annual fee when you meet the spending conditions(*) See full terms and conditions (PDF) . (*) Applicable for cards booked from 10 July 2023. For other cases, the annual fee is applied as mentioned in our Personal Banking Tariff.

Annual fee (Supplementary Card) | Free

Cash advance fee at ATM (per transaction) | 4% of cash advance amount (minimum VND50,000)

Minimum payment due | Includes the following amounts: 5% of the outstanding balance* (minimum VND50,000), and Any instalment repayment amount, and The greater of the overdue amount or over limit amount The outstanding balance is the statement balance amount less any instalment repayment amounts. Applicable to instalment transactions made from 28 November 2015.

Finance charge | 39.4% per year (Nil if no cash advance is used and the full statement balance is paid by due date of each credit card statement.) The finance charge may be changed from time to time in accordance with the local regulatory requirements.

Late charge | 3% of statement balance (minimum VND80,000 – maximum VND2,000,000)

Administration fee applied for foreign currency transactions | 3.75% of each transaction amount

Over credit limit fee | VND100,000

Type of fees and charges | Issuance fee (Primary card)

Details | VND385,000

Type of fees and charges | Issuance fee (Supplementary card)

Details | Free

Type of fees and charges | Annual fee (Primary Card)

Details | VND385,000 No annual fee when you meet the spending conditions(*) See full terms and conditions (PDF) . (*) Applicable for cards booked from 10 July 2023. For other cases, the annual fee is applied as mentioned in our Personal Banking Tariff.

Type of fees and charges | Annual fee (Supplementary Card)

Details | Free

Type of fees and charges | Cash advance fee at ATM (per transaction)

Details | 4% of cash advance amount (minimum VND50,000)

Type of fees and charges | Minimum payment due

Details | Includes the following amounts: 5% of the outstanding balance* (minimum VND50,000), and Any instalment repayment amount, and The greater of the overdue amount or over limit amount The outstanding balance is the statement balance amount less any instalment repayment amounts. Applicable to instalment transactions made from 28 November 2015.

Type of fees and charges | Finance charge

Details | 39.4% per year (Nil if no cash advance is used and the full statement balance is paid by due date of each credit card statement.) The finance charge may be changed from time to time in accordance with the local regulatory requirements.

Type of fees and charges | Late charge

Details | 3% of statement balance (minimum VND80,000 – maximum VND2,000,000)

Type of fees and charges | Administration fee applied for foreign currency transactions

Details | 3.75% of each transaction amount

Type of fees and charges | Over credit limit fee

Details | VND100,000

Credit Card type | HSBC LiveFree Credit Card

Credit card's physical card validity | 5 years since issuance date, subject to terms and conditions mentioned in Credit Card Cardholder Agreement (PDF) .

Credit limit | From VND9 million to VND1 billion

Purchase limit | Up to 100% of the credit limit

Cash withdrawal limit | Up to 30% of the credit limit, capped at VND100 million per month; and limit of each transaction and each day is as following, depending on whichever lower: Domestic: VND16 million per transaction Overseas: VND16 million per transaction or VND30 million per day

Domestic cash withdrawal limit | Up to 30% of the credit limit

Overseas cash withdrawal limit | Up to 30% of the credit limit or VND30 million per day (whichever is lower)

Supplementary cards | Primary cardholder can open a maximum of 2 supplementary cards for direct relatives

Credit Card type | Credit card's physical card validity

HSBC LiveFree Credit Card | 5 years since issuance date, subject to terms and conditions mentioned in Credit Card Cardholder Agreement (PDF) .

Credit Card type | Credit limit

HSBC LiveFree Credit Card | From VND9 million to VND1 billion

Credit Card type | Purchase limit

HSBC LiveFree Credit Card | Up to 100% of the credit limit

Credit Card type | Cash withdrawal limit

HSBC LiveFree Credit Card | Up to 30% of the credit limit, capped at VND100 million per month; and limit of each transaction and each day is as following, depending on whichever lower: Domestic: VND16 million per transaction Overseas: VND16 million per transaction or VND30 million per day

Credit Card type | Domestic cash withdrawal limit

HSBC LiveFree Credit Card | Up to 30% of the credit limit

Credit Card type | Overseas cash withdrawal limit

HSBC LiveFree Credit Card | Up to 30% of the credit limit or VND30 million per day (whichever is lower)

Credit Card type | Supplementary cards

HSBC LiveFree Credit Card | Primary cardholder can open a maximum of 2 supplementary cards for direct relatives

Please note

Your overseas cash withdrawal limit is subject to State Bank of Vietnam (SBV) regulations
You can apply for a supplementary card for your spouse or family member. But your credit limit won't increase. Instead, the total credit limit will be shared across both the supplementary cards and the primary card

Ready to enjoy amazing rewards?

Apply online in just a few steps. Start enjoying a card with daily privileges and no fees.

Apply online

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Continue your application

To continue with your application, select the 'Resume application' button below.

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Frequently asked questions

HSBC reviews and assigns a suitable credit limit to customers based on several factors, provided at the time of their applications (including declared income and credit information center (CIC) information). Generally, the credit limit at HSBC varies from the minimum of VND9 million and maximum of VND1 billion, depending on the time of customer’s application and card type.

We will review your credit limit from time to time and will adjust your credit limit if you are eligible.

However, if you want to increase your credit limit, you may also complete a request form for a credit limit increase and return it to us with the income proof for the past 3 months for further processing. We will then assess it for eligibility.