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FE Credit review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FE Credit is a Vietnamese credit card that suits cardholders who withdraw cash through the FE Online app and want that spending to earn cashback. The card carries an annual fee of VND 0 and pays its rewards on app cash withdrawals, so there is no yearly charge for holding it.

Key facts

Best for
A rewards credit card for app cash withdrawals and instalment flexibility.
Annual fee
₫0 (Source, checked September 26, 2026)
APR
4.58% to 5% (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
2% cashback on cash withdrawals made in the FE ONLINE 2.0 app (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Perks
Interest-free up to 45 days on the Mastercard Plus card, Flexible instalment plans from 0% interest (Flexi IPP at 2.99%/month), Credit limit up to 60 million VND, Free card replacement, renewal, PIN reissue, SMS alerts and ATM cash withdrawal fee, No fee for foreign-currency transactions, over-limit, statement reissue and instalment conversion, Discounts of up to 50% at partner merchants such as Shopee, Xanh SM, ShopeeFood and MoMo (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
VPB SMBC Finance Company Limited (Cong ty Tai chinh TNHH Ngan hang Viet Nam Thinh Vuong SMBC) (Source, checked September 26, 2026)
Headquarters
Vietnam (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
fecredit.com.vn

Apps and profiles

Get the app
App Store
Elsewhere
feol.onelink.me

Pros and cons

Pros

  • Cashback is paid on cash withdrawals made in the FE Online app, so withdrawals through the app earn a reward.
  • Interest free periods, flexible instalment plans and discounts at partner merchants such as Shopee, Xanh SM, ShopeeFood and MoMo.
  • Card replacement, renewal, PIN reissue, SMS alerts and ATM cash withdrawal fees are listed as free.
  • Support runs on phone and help centre, giving cardholders phone and a help centre.

Cons

  • The rewards rate covers cash withdrawals made in the app, not general card spending.
  • The credit needed is good and the card kind is credit, so a thin credit file is unlikely to be accepted.
FE Credit

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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • Vietnamese cardholders who take cash out through the FE Online app and want those withdrawals to earn cashback.
  • Spenders who buy abroad, given a currency conversion fee of 0%.
  • People who want instalment plans and interest free periods alongside a rewards card.

Who should look elsewhere

  • Varo Believe Secured Credit Card, if a secured line suits your situation better, at an annual fee of $0.
  • Chime Card (Secured Visa Credit Card), for a secured Visa credit line at an annual fee of $0.
  • Bitpanda, if you want a card priced in euro at an annual fee of €0.

Fees and currency costs

The credit card carries an annual fee of VND 0, so keeping it in a wallet costs no yearly charge. Interest on a balance carried from one statement to the next runs at 4.58% to 5%, which is the running cost to watch. The currency conversion fee is 0%, so foreign currency spending adds no conversion charge on this card.

How FE Credit compares

Where FE Credit is available

Available
Vietnam

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does the FE Credit card charge an annual fee?+

The annual fee on the credit card is VND 0, so holding it costs nothing each year. Interest on a balance carried from one statement to the next is the ongoing cost to watch, at 4.58% to 5%.

What does it cost to spend in another currency?+

The currency conversion fee is 0%, so foreign currency purchases add no conversion charge. Alongside an annual fee of VND 0, that keeps the running cost of spending abroad low, with interest at 4.58% to 5% on any balance carried.

How does the cashback on FE Credit work?+

Rewards come as cashback on cash withdrawals made in the FE Online app. The rewards rate is tied to those app withdrawals rather than to general card spending, so cardholders who rarely withdraw through the app see little back.

What credit history do I need to be accepted?+

The credit needed is good and the card kind is credit, so the card is aimed at applicants with an established credit record in Vietnam. People with a thin credit file would be better served by a secured card.

How do I get help from FE Credit?+

Support runs on phone and help centre, which is phone and a help centre. Those are the only channels listed, so a cardholder who prefers live chat in the app has fewer routes here.

Can I spread a large purchase over instalments?+

Instalment plans are available, and interest free periods are offered on the Mastercard Plus card. A large purchase can therefore be spread across instalments without interest for that period, subject to the plan terms.

How does it compare with secured credit cards?+

Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) are secured options, with annual fees of $0 and $0. FE Credit also charges VND 0, but it is a credit card that leans on your credit history.

Sources

  • fecredit.com.vn/the-tin-dung checked September 26, 2026

    Backs: Features, Perks, Rewards rate, Rewards type

    “Tan huong dac quyen - Tien ich the: Diem thuong”

  • fecredit.com.vn/the-tin-dung/jcb-plus checked September 26, 2026

    Backs: Annual fee, APR, Card kind, Credit needed, Currency conversion fee, Headquarters, Pricing model, Support channels

    “FE Credit JCB Plus - Phi thuong nien the: Mien phi”

  • fecredit.com.vn/ve-chung-toi checked September 26, 2026

    Backs: Founded, Legal entity

    “FE CREDIT chinh thuc doi ten thanh Cong ty Tai chinh TNHH Ngan hang Viet Nam Thinh Vuong SMBC”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

FE Credit

FE Credit

A rewards credit card for app cash withdrawals and instalment flexibility.

9.1/10See alternatives