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Ho Chi Minh City software engineer Minh, 27, mapped out his 30/4 holiday spending using Max Card to maximize cashback across five categories: dining, travel, shopping, entertainment, and online transactions. His plan for a four-day domestic trip totals about 12,900,000 VND, with all spending falling into the card’s optimal cashback categories.
Minh estimated the following expenses for the holiday:
With the Elite package offering 10% cashback, Minh’s cashback from these purchases is calculated at 1,290,000 VND, which covers the planned expenses (excluding lounge access for both directions).
Minh’s 1,500,000 VND Shopee shopping qualifies for an extra 20% discount, capped at 100,000 VND per transaction, up to two times per month. The discount can be stacked with Elite cashback on the same transaction. For the first order of the day over 500,000 VND, Minh expects a 100,000 VND Shopee discount and a 50,000 VND Elite cashback.
After activating PayFlex in the app, Minh also expects an extra 200,000 VND cashback when spending 500,000 VND in the month using this feature, adding another layer of cashback to the trip plan.
If all programs are used fully, Minh’s total potential benefits for his four-day domestic trip are:
Total potential cashback/discount: up to 1,590,000 VND.
For international trips, Max Card holders can receive a foreign exchange fee refund benefit. The article notes that market FX fees typically range from 1.5% to 3% per transaction. On a four- to five-day trip with spending in the tens of millions, the refund could reach “millions” of VND.
VIB cardholders are invited to join a program that refunds 100% of foreign transaction fees—up to 2,000,000 VND per month with Visa—by registering via text VIB CT 08 to 6089. The article states that all foreign currency charges on the trip are refunded while membership cashback continues.
The article frames the 30/4 holiday as an opportunity to upgrade to the Elite package. Minh calculated that the Elite package costs 333,333 VND per month, while 10% cashback on his 12,900,000 VND holiday spending yields 1,290,000 VND.
It also notes that after the holiday, the Elite package remains relevant for a three-month cycle to maximize benefits through additional travel and social spending. The article states that members can adjust the package anytime in the app.
Max Card can be opened online via the Max powered by VIB app, without branch visits or paperwork. The article says users can start with the Starter package at 0 VND to try, or upgrade directly to Elite if they have a holiday spend plan and want optimal benefits from the first transaction.
The 30/4 holiday occurs once a year, and this year the break is longer. The article advises opening Max Card through the Max powered by VIB app to access promotions, and notes that terms and conditions for the promotions can be viewed separately.
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