Note for readers: The figures and information in this article are compiled from general market sources and are not specific to SeABank’s products or services.

1. What is a Visa Debit Card?

A Visa Debit card (international debit card) is a payment card issued by a bank, allowing you to spend within the balance available in your linked bank account. Carrying the Visa brand—one of the world’s largest international payment organizations—the card can be used to:

Make payments at millions of Visa-accepted merchants worldwide
Shop online domestically and internationally
Withdraw cash at ATMs displaying the Visa logo
Link with e-wallets and digital payment apps

Unlike a credit card, a Visa Debit card does not allow you to spend beyond the balance available in your account.

SeABank currently issues a wide range of physical cards tailored to diverse customer needs.

2. Benefits of Using a Visa Debit Card

A Visa Debit card offers numerous advantages aligned with modern lifestyles:

Global payments: Convenient for travel and business abroad
Debt-free spending: Limited to available account balance
Seamless online shopping: Book flights, hotels, or subscribe to platforms such as Netflix, Spotify, and online learning apps
Flexible withdrawals: Access cash at ATMs worldwide displaying the Visa logo
Enhanced security: Easily lock/unlock the card, change PINs, and monitor transactions via mobile banking
Multi-channel connectivity: Link to e-wallets (MoMo, ZaloPay, etc.), pay via QR codes, or use contactless payments

SeABank issues Visa Debit cards swiftly, fully integrated with the SeAMobile app, and offers attractive benefits such as cashback promotions and waived annual fees for new customers.

BRG Elite Visa debit card issued by SeABank.

3. Visa Debit vs. Visa Credit: Key Differences

Dưới đây là bảng so sánh giúp bạn dễ dàng phân biệt hai loại thẻ phổ biến nhất hiện nay:

Criteria	Visa Debit Card	Visa Credit Card
Source of funds	From available bank account balance	Borrowed from the bank, spend first – repay later
Application process	Simple, requires only a bank account	More stringent, requires income verification
Interest	None	Charged if payments are late, typically 20–35% p.a.
Payment timing	Deducted immediately from account	Interest-free period of 45–55 days available
Risk of bad debt	None	Possible if repayment is late
Annual fees	Usually low or waived	Higher, depending on card type
Intended use	Simple transactions, expense control	Flexible spending, leveraging promotions

Understanding these differences enables you to select the financial tool that best matches your spending needs and financial management preferences.

4. Hướng dẫn mở thẻ Visa debit tại SeABank

Để mở thẻ Visa debit SeABank, bạn có thể thực hiện theo các cách sau:

4. How to Apply for a Visa Debit Card at SeABank

4.1. Apply online via SeAMobile app

Download SeAMobile (iOS/Android)

Navigate to “Cards” → Select Visa Debit application

Confirm your information → Receive card details instantly in-app

A physical card can be delivered upon request

4.2. Apply at a SeABank branch

Bring your ID card/citizen ID and register at the nearest SeABank branch

Receive a physical card within minutes or within 1–2 business days

Advantages of SeABank Visa Debit cards:

Free issuance

No minimum balance required

Fully integrated with SeAMobile, e-wallets, QR/VNPAY payments

Debit cards are an effective financial management tool with many useful functions.

5. Important Notes When Using a Visa Debit Card

To ensure safe and effective use of your Visa Debit card, remember to:

Spend only within your account balance
Never share card details (card number, expiry date, CVV) with others
Regularly check your transaction history for unusual activity
Enable two-factor authentication (OTP, SMS alerts)
Immediately lock your card if you detect fraud or lose your card
Activate the international spending feature via your banking app before making overseas transactions

Visa Debit cards are a simple, safe, and accessible global payment solution. They not only help control spending and reduce financial risks but also deliver a convenient cashless shopping experience. If you are not yet eligible for a credit card, or simply seek a straightforward international payment method, a Visa Debit card is the ideal choice.

Visit seabank.com.vn or contact the call center at 1900 555 587 for detailed support and the latest promotional updates.

Southeast Asia Commercial Joint Stock Bank - SeABank

Address: BRG Building, 198 Tran Quang Khai, Hoan Kiem Ward, Hanoi
Call Center: KHCN 1900 555 587 / (024) 39448702 – KHDN 1900 599 952/ 024-32045952
Customer service email: contact@seabank.com.vn