Readers note: The data and information in the article are compiled from common market sources and do not apply specifically to SeABank's products or services.

1. What is a bank black card?

"Bank black card" or Black Card, is the highest-end credit card line issued by banks, exclusively for customers with large assets or regular spending with high value.
Unlike regular credit cards, black cards are not only a means of payment, but also a symbol of class, demonstrating a luxurious lifestyle, power and outstanding financial credibility.

1.1. Identification features

Color: Black or metallic black, luxurious, completely different from standard credit cards (blue, silver, gold).
Material: Many types of black cards use metal or titanium instead of regular plastic.
Design: Minimalist, luxurious and have a compact bank logo.

1.2. Why is it called a "black card"?

"Black card" is not the official name in all cases, but is a common name for Visa Infinite, Mastercard World Elite, Amex Centurion or Signature/Platinum cards at Vietnamese banks such as SeABank.

Popular bank cards in the digital age

2. What is special about SeABank's black card?

SeABank is currently providing high-end credit cards such as SeABank Visa Signature, SeABank Visa Platinum, considered as representatives of "black cards" in Vietnam, converging all the VIP benefits that international black cards possess.

Credit limit up to 1 billion VND
Interest-free up to 55 days
Global travel insurance up to 10.5 billion VND
Attractive refund up to 10%
Free annual fee for the first year
Access to VIP airport lounges
Private secretary service (concierge 24/7)

3. Outstanding benefits of owning a SeABank black card

3.1. Extremely high credit limit

Compared to a regular card (5 - 50 million VND), SeABank black cards have a limit from 200 million to more than 1 billion VND depending on the customer. This helps you:

Pay for large transactions easily: business class air tickets, luxury tours, luxury watches…
No limits when traveling for work or international travel

3.2. Global travel & personal risk insurance

Just pay for your trip with your card, you will automatically enjoy an insurance package of up to 10.5 billion VND including:

Personal accident
Lost luggage, lost luggage
Flight cancellation or delay
Medical expenses when abroad

3.3. VIP airport lounge

With SeABank Signature card, you can access business class lounges at many major airports, even when flying economy class. This privilege helps:

Rest, eat, work comfortably
Save on airport service costs

3.4. Attractive cashback offers

Cashback programs by spending group, unlimited product lines, direct cashback to monthly account.

10% for medical/health (hospital, dental, general examination)
5% for spa, beauty, massage
3% for hotel, resort, room booking
1% for food and beverage, restaurant spending

BRG Elite debit card issued by SeABank

4. Conditions for opening a SeABank black card

Not everyone is eligible to own a black card. Basic requirements include:

4.1. Financial conditions

Individuals with an income of 50 million VND/month or more (salary, revenue, assets).
Or: Have collateral at SeABank such as savings books, real estate…
Clean credit history: no bad debt, good credit score.

4.2. Necessary documents

Valid ID card/Passport
Labor contract/salary statement for 3-6 months
If there is collateral: real estate papers, savings books, investment contracts...

4.3. Other conditions

Age 18 or older
Have Vietnamese nationality or legal foreign residence
Commit to using the card for the right purpose, paying on time

Quick and convenient card opening process at SeABank

5. Fees and interest rates of SeABank black card

Item	Fee level
Annual fee (Visa Signature)	~3,000,000 VND/year
ATM cash withdrawal fee	4% of the withdrawal amount, minimum 55,000 VND
POS cash withdrawal fee	More preferential: only from 1.3–1.8%
Overdue interest rate	25–30%/year (depending on card class)
Foreign currency conversion fee	2–3% of total transaction

Note: if you pay on time within the interest-free period (up to 55 days), you will not be charged interest.

Owning a black card not only brings financial convenience but also a personal statement about lifestyle and financial capacity. For SeABank, a black card is not simply a credit card but a key to open a privileged ecosystem, helping you:

Confidently spend anytime, anywhere
Enjoy the most premium service experiences
Dedicated support from a priority customer care team
Safe transactions with advanced security technology

For more information, please visit seabank.com.vn or contact the hotline 1900 555 587 for detailed advice and the latest program updates.

Southeast Asia Commercial Joint Stock Bank - SeABank

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