Best Debit & Credit Cards for Vietnam 2026

A fast-growing nomad hotspot with improving card usage in cities. Cash is still common, so choosing cards with low ATM and FX fees matters.

Cards Comparison

	No Foreign Fees:	Rewards :	Annual Fee:	Best For:	Apply Link
Wise - Debit Card	Yes (Mid-market exchange rates, minimal transparent fees)	Free ATM withdrawals (limits), real exchange rate with no FX markup	€ 0 ( One-time card issuance fee only )	For everyday spending and ATM withdrawals. It is the gold standard for managing multiple "real-world" currencies and receiving local transfers.	Take a look ;
Nexo - Dual Card	Yes ( Up to € 20.000 monthly with 0% FX fees )	Up to 2% Crypto-Back on all purchases	€ 0	Nomads who wants to spend their crypto or use it as collateral while traveling / Dual Mode is Debit and Credit Card	Take a look ;
RedotPay - Instant Crypto Visa	Yes ( Optimized for real-time crypto-to-fiat conversion )	daily interest on USDT / USDC + 5 $ Signup bonus	€ 0 ( One-time card issuance fee only )	Nomads who need a virtual or physical Visa card instantly to spend crypto via Apple Pay or Google Pay	Take a look ;
PintoPay - Instant Crypto MasterCard	Yes ( Highly competitive market rates for global spending)	Focus on low transaction fees, up to 3% cashback potential + $ 10 Signup bonus	$ 0 ( $ 35 one-time issuance fee for physical MasterCard)	Nomads looking for a reliable MasterCard alternative. It features a KYC-light setup, high limits and prioritizing privacy.	Take a look ;

Wise Debit Card No Foreign Fees: Yes (Mid-market exchange rates, minimal transparent fees) Rewards : Free ATM withdrawals (limits), real exchange rate with no FX markup Annual Fee: € 0 (One-time card issuance fee ) Best For: Nomads who need a reliable Fiat bridge for everyday spending and ATM withdrawals. It is the gold standard for managing multiple "real-world" currencies and receiving local transfers while traveling Take a look ;
Nexo Card - Dual Card No Foreign Fees:Yes ( Up to € 20.000 monthly with 0% FX fees ) Rewards : Up to 2% Crypto-Back on all purchases Annual Fee: € 0 Best For: Nomads who wants to spend their crypto or use it as collateral while traveling / Dual Card is Debit and Credit Card Take a look ;
RedotPay - Instant Crypto Visa No Foreign Fees: Yes ( Optimized for real-time crypto-to-fiat conversion ) Rewards : daily interest on USDT / USDC + 5 $ Signup bonus Annual Fee: € 0 ( One-time card issuance fee only ) Best For: Nomads who need a virtual or physical Visa card instantly to spend crypto via Apple Pay or Google Pay Take a look ;
PintoPay - Instant Crypto MasterCard No Foreign Fees: Yes ( Highly competitive market rates for global spending) Rewards: Focus on low transaction fees, up to 3% cashback potential + $ 10 Signup bonus Annual Fee: $ 0 ( $ 35 one-time issuance fee for physical MasterCard ) Best For: Nomads looking for a reliable MasterCard alternative to RedotPay. It features a relatively KYC-light setup and high top-up limits for those prioritizing privacy and ease of use Take a look ;

last updated Jan 2026

Local Tips for Vietnam

Tip 1

Many digital nomads note that Vietnam remains a cash-first economy, particularly for street food, taxis, and local services. Long-term travelers often plan regular ATM visits to ensure they always have enough cash on hand.

Tip 2

ATMs attached to banks or shopping centers are commonly preferred by experienced nomads. These machines are generally better maintained and more reliable than standalone ATMs, especially in larger cities.

Tip 3

Digital nomads frequently advise declining Dynamic Currency Conversion and paying directly in Vietnamese Dong. Conversion offers often come with inflated exchange rates that make everyday transactions more expensive than necessary.

Tip 4

Keeping smaller banknotes is often mentioned as helpful by long-term travelers. Many local vendors and taxis may struggle to provide change for larger bills, especially outside major tourist areas. Mexico – Loca

Cards for Nomads