What is a bank black card? Things you need to know when using a black card

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

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.